davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My CURRENT and ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC (CO)

JD BYRIDER reported full repossession with {$0.00} owed in error after I paid {$700.00} to restore the account. I made the payment 6 days prior to the company making the report as shown on all credit reporting agencies. This caused my credit score to drop almost a 100 points even though I have full possession of the vehicle. I called the company and the finance manager stated they would not have done that and would look into it. The following day they shut off my car while we were at a convenience store. I have proof that I was only 2 weeks late on payment. Not 30 days. I pay biweekly. Their f8nace team sent an email about payment today but did not state the car would be shut off. There are major repair issues that they sold me the with and yet they refuse to fix without me paying for it. I have asked to file a formal complaint about the illegal reporting and they have not responded. They took my money XX/XX/23 and reported on XX/XX/23 full repossession with {$0.00} money owed.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hey Ive been trying for the past month to have the Credit bureaus and creditors update my personal info on all three bureaus. They still havent made the desired changes. My personal info should be : XXXX XXXX XX/XX/1994 XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Theyre still reporting wrong addresses on my credit report. I need the address of XXXX XXXX XXXX XXXX removed immediately, that was never my address. I also need the address of XXXX XXXX XXXX removed immediately, that was never my address. I need all of these erroneous addresses removed from my credit report immediately. Ive been trying for a while now and nothing has changed.
Consumer complaint received 2024-03-21
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. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My CURRENT and ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My CURRENT and ONLY address is " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX '' I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX EXperian, XXXX  XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX EXperian XXXX XXXX XX/XX/XXXX EXperian, XXXX XXXX  XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

A letter requesting in investigation into this matter was send to all three credit bureaus with no response. I would like for these accounts removed form my credit profile. XXXX XXXX Balance : {$190.00} Account # XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Balance : {$360.00} Account # XXXX Open : XX/XX/XXXX XXXX XXXX XXXX Balance : {$800.00} Account # XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} Account # XXXX Open : XX/XX/XXXX XXXX XXXX XXXX Balance : {$1400.00} Account # XXXX Open : XX/XX/XXXX XXXX XXXX Assoc Balance : {$450.00} Account # XXXX Open : XX/XX/XXXX XXXX XXXX XXXX Balance : {$710.00} Account # XXXX Open : XX/XX/XXXX
Consumer complaint received 2021-01-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2023-01-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (IN)

I have a loan agreement with affirm that I make one payment for {$110.00} a month but they debited my account for five payments consecutively on one day when I contacted them they said they were aware of the problem but said they couldn't give me an answer that it may take 3 to 5 days to get an answer and said they were not responsible for any fees that I may accrue from their mistake such as late fees or non-sufficient fund fees. I believe this is a breach of contract by affirm we had an agreement and they have breached it. Also hard telling how many customers this may cause financial hardship to with no repercussions for affirm just I'm sorry.
Consumer complaint received 2023-07-17
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. (PA)

I have credit protection but it wasnt activated after I lost my job XXXX XXXX XXXX  was supposedly to activate I called in and nothing credit protection is sto protect your credit score According with the fair curtain reporting act This creditor has violated my rights under 15 usc 1681 Section 602 states I have the right to privacy 15 usc 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions Under 15 USC 1666B a creditor may not treat be a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-06-10
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. (AL)

I ordered a copy of my credit report. I noticed some fraudulent accounts that were not opened by me. Please investigate these fraudulent accounts and remove them from my credit report. Please send an updated copy of my updated credit report.
Consumer complaint received 2023-02-16
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXXXXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX, TransUnion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law.
Consumer complaint received 2023-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (ME)

For a few years I have been disputing the same collections account from several different collection agencies for debt XXXX says that I owe, but is not accurate. I won the dispute the first few times from all three credit bureaus, but the debt keeps getting updated by different collection agencies, now, two different collection agencies appear on my credit report. The collection agency on XXXX is Enhanced Recovery Company and says the account was opened on XXXX, but I didn't receive any notice until XX/XX/2023 when my credit scores changed, before this account updated the collection agency was XXXX XXXX and I disputed it last year, finally in XX/XX/2023 it was taken off only to be replaced by Enhanced Recovery Company in XX/XX/2023. XXXX XXXX is reported on XXXX, so I have two different collection agencies reporting the same debt that has been disputed several times, but still keeps on coming back and shouldn't. XXXX so far has not reported this debt since the last time I won the dispute. This account from XXXX was closed almost 4 years ago and because of how my account was treated the customer service rep at the time said I do not owe a balance, I had spoken with other reps that said otherwise, but this company is only going to share favorable info, but they do have a recorded conversation between me and the customer service rep that closed the account at the time. I have good credit and pay my bills, if I owed this debt and the XXXX was fair in their judgement I would've paid this debt back then, at this point it is just wasting time. How can I resolve this so the debt does not keep on coming back on my credit report? I need your help to the resolve this.
Consumer complaint received 2019-01-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (MO)

I had one first mortgage on my house I had one second mortgage on my house Both are paid. 

I had one loan on my duplex All debt was paid before the property was taken in foreclosure Wells Fargo took the property and kept the escrow that paid off the mortgage The foreclosure balance was added back into the loan modification on my house and now been paid back ... again
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year> .Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2023-07-16
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: Experian Information Solutions Inc. (LA)

I am a single hardworking mother to XXXX kids trying to buy a safe home for us to live to get out of the shelter. I realized that I had damages on my credit report. According to the 15 USC 1681 law there should not be any damages on my credit report as a result this is major defamation to my character. I have disputed all fraudulent accounts and inquiries with all 3 credit bureaus dispute center. Nothing is being done. I am in dire need to get these items removed to be able to secure a safe home for me and my children.
Consumer complaint received 2020-07-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (SC)

I was threatened to be sued and put in prison for things that I have no hand in. I shouldn't owe anyone anything. I have been hassled for at least 4 years for loans that were taken out by my ex wife.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT. DO NOT CLOSE THIS COMPLAINT STATING THAT THIS ISN'T ME! PLEASE SEE ATTACHED.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
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. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-07-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia. XXXX XXXX Night of XXXX of XXXX XXXX XXXX XXXX To : Manager Customer Accounts, HONDA FINANCE EXCHANGE CUSTOMER ACCOUNTS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX From : XXXX XXXX XXXX General Executor XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX Dear Manager Customer Accounts, I have sent you some documents related to account number XXXX at address XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX to this date we have not received a response the service for payment, the document sent to you concerning this account was a Estate/Trust Estate letter , certificate of trust and the billed was not responded too. 

The 1099A made out to HONDA FINANCIAL in the amount of {$24000.00} for the full amount of services any future bill will be continuous discharge, Restore and keep services on at XXXX XXXX, General Executor at XXXX XXXX XXXX XXXX XXXX, Georgia XXXX. MAIL ALL TITLES TO ADDRESS ABOVE. 

Authorize Representative XXXX XXXX, Estate/Trust PAYMENT CREDITS MUST BE RELEASED TO ABOVE ACCOUNT XXXX IN THE FULL AMOUNT {$24000.00} WITH 1099A FORM, PLEASE SEND TO ACCOUNT MANAGER OR CORRECT DEPARTMENT THAT UNDERSTANDS HOW TO RELEASE THESE PAYMENT CREDITS.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT. DO NOT CLOSE THIS COMPLAINT STATING THAT THIS ISN'T ME. PLEASE SEE ATTACHED.