davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my credit report, which I recently obtained and found several negative items that are impacting my credit score. I would like to address these issues and request that the following items be either clarified or removed from my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX  XXXX Account Number : XXXX, XXXX. XXXX  XXXX Account Number : XXXX, and XXXX. XXXX  XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to request verification of these accounts, including the name and number associated with each account. If these accounts can not be verified, they must be removed from my credit report. 

XXXX Date of inquiry : XX/XX/XXXX and XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX - Pursuant to FCRA 605 ( a ) ( 5 ), inquiries can only remain on my credit report for up to two years from the date of inquiry. As these inquiries have reached the statute of limitations, they must be removed from my credit report. 

XXXX Account Number : XXXX and XXXX. XXXX XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to request verification of these accounts, including the name and number associated with each account. If these accounts can not be verified, they must be removed from my credit report. 

XXXX XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to request verification of this account, including the name and number associated with the account. If this account can not be verified, it must be removed from my credit report. 

XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 2 ), I am entitled to request an investigation to confirm that this account belongs to me. If the account can not be verified, it must be removed from my credit report. 

I request that you investigate these matters and take appropriate action to ensure that my credit report is accurate and up-to-date. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Timely payments have consistently been maintained on this account, preventing any overdue instances. I'm uncertain about the basis for the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit Reporting act, the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15. U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not issued any written consent or instructions for this to be listed on my consumer report.

Additionally, I have disputed these accounts before because they contain inaccurate information. The date opened is not correct nor is the last payment date correct on either of these accounts. 
There is also not a full or truncated account number listed to identify that these accounts even belongs to me.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I submit this request so that you reinvestigate these disputed Accounts from my credit reports as well as fix these Accounts from my reports during the investigation period. As of this date, you have failed to respond to my request. These are the accounts that needed FOR UPDATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

This is the several times I've complained about being a victim of identity theft. The XXXX bureaus must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$1700.00}
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft and a couple of fraudulent accounts have plagued my credit reports and I've made several attempts to have them removed, but to no avail : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-03
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: BMW Financial Services NA, LLC (NJ)

There was damage reported on the XXXX  of the used vehicle I had decided to lease. I was told that the damage was only cosmetic and that the full bumper was replaced to fix that. However, when I left the lot, there was damage on each of the 4 rims of the car. It seems like there was much more damage and now I am afraid of what else may be wrong with the car. I want to return/unwind this lease but have no problem getting a different car instead. I offered a custom order option to get the car exactly how I want it but the dealership and XXXX, in particular, was very rude and not willing to help. He was angry that he had to wait an extra hour on a Saturday for the lease deal to be done. However, I drove almost three hours to this dealership since I thought they had better reviews for customer service but that clearly was not the case. 

The dealership offered to fix the damages but they would be putting an extra 300 miles on the car that will count against my mileage limit since it is a lease. 

All I am asking for is for them to please take the leased car back and I want to go ahead with the paperwork for a custom ordered car. I wish I was presented with that option prior instead of the dealership pushing to buy a car that they had in inventory or could get within the week from another dealership. Please reach out if you need more information.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2023-10-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (CT)

I received a collection notice from Midland Credit In XXXX, and sent a Validation/Dispute letter In regards to said debt via certified mail within the 30 day window. I have had no answer to my request, but they have resumed calling me. This Is a clear violation on their behalf.
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (MD)

I sent an inquiry to Early Warning which keeps track of peoples personal bank accounts. This organization tracks every single transaction made in a bank account. They have never disclosed that they are doing this nor did they ask my permission to do so. When I tried to get a freeze they denied me quoting section of the FCPA 603 ( x ) saying they are a special agency and they don't have to follow the FCPA.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX XXXX is XXXX year date when the New State Statute that antedates of a paid account can not reported on my credit report. All XXXX XXXX personal confirmed that they can not continue to report a paid charge beyond the first date of delinquency that was XXXX XXXX to XX/XX/XXXX XXXX year anniversary. I paid the full balance that resulted in a XXXX balance in accordance to New York State section 380 New York State law ( 380 j ( f ) ( 1 ) ( iv ) XXXXXXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - Fair Credit Reporting Act380-J - Prohibited Information. ( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years ;
Consumer complaint received 2023-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC (MN)

Debt collection agency 12 genesis fs Has been reporting debt I don't own they with credit card terms not agreed to. Also furnish wrong amounts and terms for years with no ownership of debt and wrong amounts knowingly.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-01-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION (MA)

Repeated violations of U.S.C. Title 15 1692 et seq by all person involved caused direct damages. We have in good faith given all individuals involved well over 12 months to comply with this lawful claim for damages. We have sent An AFFIDAVIT in good Faith which regarding this made-up debt on XX/XX/XXXX, as evidenced by USPS electronic delivery and have continued collection efforts in blatant violation of the FDCPA [ Mailing No. XXXX, XXXX, and XXXX ]. This criminal conduct has caused extraordinary damages to the health, personal life, credit score of XXXX XXXX, XXXX XXXX. The Attorney General has been sent a copy of this communication as the Attorney General 's Office must help with these ongoing illegal practices. These individuals ' unlawful actions include Defective products ; Car sales and financing ; Unlawful Auto repossession with XXXX XXXX ; Debt collection ; Making false, deceptive and misleading statements when attempting to collect a debt, collecting or attempting to collect any amount that is not expressly authorized by the agreement creating the debt or permitted by law, and falsely threatening that nonpayment of a debt will result in our false imprisonment or imprisonment. This information was previously sent to the Attorney General who chose to neglect this urgent matter, despite filing identical charges against XXXX XXXX on XX/XX/XXXX. This entity has been found guilty of all violations within this claim by the Massachusetts Attorney general in XXXX XXXX Please be advise that our consumer goods have been stolen without just compensation for XXXX XXXX and XXXX XXXX which XXXX XXXX XXXX  was given power authority originally over claim for damages. In good faith we will this agency of identity theft of personal identifying information which has a commercial value per agent per entity per usage at XXXX usd. XXXX XXXX XXXX  must compensate XXXX : XXXX on behalf of claimants. This is an emergency where the theft of the consumer good has caused direct inference with educational learning and enjoyment of life. Thank you in advance check can be sent to address within. 

c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Massachusetts
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NV)

was denied Hilton Honors bonus points after spending the required amount within the required period of time. Was never informed of this prior to them accepting me for the card of when I received the card.h I feel this is bait and switch by AMEX Hilton 's Honors card, very deceptive customer service practices.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist bank take my paycheck that was direct deposited from my employer with out noticing me And cause me hardship while I m in training at my new job. 
I was left with nothing and I was not able To pay my car insurance and was not able To pay my car note because XXXX have have Any notice that their gon na take paycheck. 

Spoke to the supervisor XXXX And XXXX the manager Both refuse to returned my paycheck Then I just I recieved a notice that I make a payment That I never did. 
And then their took my paycheck like I make a payment. 

The supervisor told me is a bank rules. 

XXXX XXXX XXXX. XXXX
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

MY PERSONAL DATA HAS BEEN INVOLVED IN VARIOUS DATA BREACHES WHICH CAUSED ACCOUNTS TO BE OPENED WITHOUT MY AUTHORIZATION. IVE HAD PLENTY OF INQUIRIES LISTED ON MY REPORTS THAT WERE UNAUTHORIZED AS WELL THAT I NEED REMOVED IMMEDIATELY BECAUSE MY REPUTATION WITH THE BANKING SYSTEM ISN'T THE BEST AND IT WILL HURT MY CHANCES GETTING A MORTGAGE LOAN
Consumer complaint received 2019-12-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (PA)

Santander Consumer has asked for specific documentation to support identity theft from another company that put me in financial hardship. I have faxed, mailed, and emailed trying to correct the problem. Santander Consumer is now threatening the repossession of vehicle. I have included email and also the document from credit union that shows the date from back in XX/XX/2019 when this started. I also mailed registered mail a certified cashier 's check in the pay off amount. To be done and not have to deal with company anymore. We have had to retain a lawyer to proceed against dealership for vehicle that has been in service over right times in under a year.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

per FCRA, there are multiple inaccuracies on my credit report which is a violation of said act. Attached file is my credit report showing such inaccuracies. My XXXX XXXX accounts are displaying inaccurate account balances, inaccurate payment amounts from all XXXX credit reporting agencies. 
My XXXX XXXX  accounts have inaccurate information regarding a pass due status. 
lastly there are multiple inaccurate employers and addresses on my report that also need to be removed due to inaccurate information.