davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

This complaint serves as a follow up request to rectify the inaccurate information present on my credit reports. Enclosed are my personal documents and FTC Report # XXXX for your review. Below, I have delineated the inaccurate information by bureau : XXXX : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2021 -- -- -- -- -- -- TRANSUNION XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. In accordance with the Fair Credit Reporting Act, I respectfully urge the removal of these listed addresses from my claim. I request the immediate deletion of the aforementioned inaccurate addresses. Additionally, I request the issuance of a corrected copy of my credit profile to the address provided. Pursuant to Fair Credit Reporting Act Section 605B ( a ), you are obligated to remove any items opened without my knowledge, consent, or authority within four business days, upon receipt of ( 1 ) appropriate proof of consumer identity ; ( 2 ) an identity theft report ; ( 3 ) identification of the disputed information by the consumer; and ( 4 ) a statement from the consumer affirming that the information does not pertain to any transaction by the consumer. Thank you for your attention and cooperation.
Consumer complaint received 2024-03-12
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. (TX)

I'm writing to ask that an unapproved credit inquiry be taken off my credit record. I discovered an inquiry on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XX/XX/year>
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I have contacted Chex System and Early warning system about incorrect inaccurate information reporting on my consumer report regarding bank accounts opened by identity theft. I have sent each data furnisher a police report, federal trade comission identity theft affadavit, formal dispute and supporting identification documents. The bank accounts are still being listed on my consumer report regardless of the police report being supplied showing them that I was a victim of identity theft in the past. I am asking for assistance in getting this information blocked and remove per Federal Law FCRA.
Consumer complaint received 2022-12-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Crow Creek Sioux Tribe (FL)

This organization is owned by the Wahido XXXX XXXX located in XXXX XXXX and is listed as Wahido Lending DBA River Valley Loans. This organization needs to be closed down due to the unreasonably high interest rate charged for these loans. 

I took the loan out and have been paying up to XXXX x the loan amount since it was an urgent situation I take a short term loan. 

I took this loan out on XX/XX/22 in the amount they transferred into my account {$1200.00} Since then - a payment of {$320.00} has been paid XXXX XXXX XXXX XXXX for a total of {$2500.00} has been paid toward this predator loan company. On XX/XX/XXXX I negotiated a settlement amount of {$970.00} to be paid on XX/XX/22 in which this was agreed upon to stop this group from taking any more funds from my bank account. 

I asked for a final payout to stop there pulling the payback amount from my bank account. We did a settlement, and this was paid in full on XX/XX/22 in the amount of {$970.00}. 

Today I received an email from Wahido Lending DBA River Valley Loans with a Notice of Delinquent Account. I responded back saying this has been paid in full. 

This XXXX XXXX predator loan group needs to be closed down so other people will not be taken advantage of.
Consumer complaint received 2023-02-23
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. (PA)

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 XXXXXXXX XXXX  XXXX # XXXX XXXX XXXX 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 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 2023-02-23
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. (PA)

My name is XXXX 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 inquiries. 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 2018-10-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

Statement Accounts for checking and savings which have now been closed. While they were researching the fraud I purposely had them lock the accounts where I didn't have access to them and surrendered the debit card, credit card and false credit card, which I never used since it had the wrong zip code and they just added all the fraudulent charges to it that I said I didn't do plus charged back the merchant which they reported me to a collection agencies after I reported to the credit bureaus. Please see attachment. This statement printed at their branch location XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Shows my deposits it then shows XXXX being electronic transfers but my electronic withdraws only amount to {$3900.00} and ATM debits are XXXX plus overdraft fees when funds were available. Then my next statement I am at XXXX? See attachments.
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Remove the fraudulent items from my credit report immediately ; TransUnion 's denial is unacceptable, and failure to comply will result in legal action. I demand prompt action in accordance with the law to ensure my credit report is accurate and free from fraudulent items, with written confirmation of the removal. XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$880.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$380.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$920.00}, and XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2023-02-23
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. (DE)

My name is XXXX 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 2018-10-30
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: KEYCORP (NV)

Purchased a boat in XXXX Filed Bankruptcy in XXXX Paid off loan through bankruptcy in XXXX received credit balance check on XX/XX/XXXX Bank will not send title
Consumer complaint received 2017-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (GA)

I have an account that is showing in collection status for a former debt owed to XXXX XXXX XXXX, XXXX. which was sold to the law office of XXXX XXXX XXXX and XXXX, XXXX. 

I will attach letter below showing proof that the debt showing in collection now for this same lender bill that is already " settled '' with previous law firm in 2010. There has been no other collections contact for me from this original lender XXXX. 

I dont owe the bill twice and ask that the XXXX showing as collections from another law firm for XXXX be deleted as a duplicate. Apparantly this debt was sold again in error and showing it not paid by another law firm trying to collect this same debt. The current collections company needs to go bac to XXXX XXXX law firm and work there problem out but I wont pay twice. There is no court order for payment so it is showing in collections in error. 

I wont pay it twice and ask that the current collections company be notified and that this debt not owned be deleted by all three credit bureaus for the lender for the account showing under collections who is trying to collect an already paid debt. 

.Other than a date opened ( which may be incorrect ). There is no past due indicated, no past due history, no specific account this XXXX XXXX was pursuing. Vague details and do not follow guidelines of complete information required to report to credit report bureaus under state and federal credit laws as required.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

To XXXX, XXXX, and Transunion. I am writing this letter asking you all will you please delete all inquiries off my credit repot so that my Credit will go up into the XXXX or XXXX please. My name is XXXX XXXX. These inquires has pulled my score down alot. Can these inquires be moved ASAP. These inquires have stopped me from opening up credit. Thanks
Consumer complaint received 2024-03-12
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. (MI)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information that is found to be opened due to identity theft. 
XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-05-18
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. (WI)

The Credit bureaus stated all my negative account, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2024-03-12
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. (GA)

MY INFROMATION WAS USED FRADUALENTLY TO OPEN SEVERAL AACOUNTSDUE TO IDENTITY THEFT WHICH RESULTED IN FRAUDULENT ACCOUNTS BEINGOPENED AND SEVERAL INQUIRIES BEING FRAUDULENTLY MADE. ATTENTIVELYREVIEW my formal writ composed DECLARATION of Not Proven CompliantMisinformation that is all or in part : DEFICIENT of adequate current status in fullnessof TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory andregulatory requisite compliant reporting thereby mandating your immediate actionsto rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returningto DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 datafield formatted reporting! To be clear, you are mandated by laws to eliminate everynotation and or aspect of any and all derogatory and adversary items from any and allalleged claims still yet unproven to be true, correct, complete, timely, documented asbeing mine, testimonial to be of my responsibility, with FCRA compliance, and orCRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and allderogatory or potentially injurious reporting MUST be all of the aforementioned andcan NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTsensuring the physically verifiability of the CONFIRMED manual validation of any itemupon a consumer complaint, such as is this notice here and now.Please RETURN to orretain federally lawful reporting with your unwavering and unconditional annulmentof every single one even each any and or all of the allegations accused of medeficient of physical evidence to every and all aspects of said claims, be them true ornot. I would like to forge forward with a righted disputation challenging what likely isan inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not evenof my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements andinjury to my credibility. While studying my report I have come across a number ofmistakes and inaccuracies that you are reporting.Please review and eradicate any andall of these following unproven true, correct, complete, timely, mine, myresponsibility, FCRA compliant, metro 2 compliant, or else wise compliant to everysingle one even each any and all of the regulations, laws, and standards of reportingof which you are undoubtedly mandated in your obligation to obey : The followingallegations each require immediate deletion, do so now and here!
Consumer complaint received 2023-02-23
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. (PA)

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 2023-02-23
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. (NY)

My name is XXXX 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 2020-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (PA)

hello i have tried multiple times to reach out to Bonton about this credit card that they say is charged off on my credit report and they have not fixed the issue ... .I did not owe anything on my card for a longgg time then they shut this store down and i get this on my credit report and it is inaccurate ... I did not have a balance at all ... .There must be a mix up in their transferring of files when they sold to the liquidator ... As a matter of fact they owe me money ... i had a {$250.00} gift card that i was unable to use once they sold to a liquidator out of the blue ... they said it wasnt possible so i lost that money ... .i will attach a file of the reporting and one of the letter i sent out in which i received nothing back ... how are the credit bureaus saying this is verified? i have disputed with all 3 bureaus and thhey have not even marked it in dispute ( see attachhed ) so how did they conduct a full investigation? this is all a mess and is killing my credit score i need this deleted
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ECMC GROUP, INC. (SC)

My name is XXXX XXXX XXXX. XXXX XXXX is my XXXX. On XX/XX/2023, ECMC purchased the loans and this was placed on my credit. On XX/XX/2023 via certified mail ; I request validation of the debt of all of different amounts reported on my credit. ( Same account number which was XXXX, but different amounts ). First, with the help of the XXXX XXXX XXXX ; I found out these accounts were sold to XXXX. ECMC first denied it, but they PURCHASED this account in the amount of {$27000.00}. This was an agreement between ECMC, US Dept of Education, and XXXX. Then on XX/XX/2023, XXXX from ECMC stated, " XXXX  XXXX XXXXECMC Account # XXXX ; Education Credit Management Corporation ( ECMC ) has reviewed your concerns. Following is history of the nine loans in question held by ECMC that match the first & last name, mailing address and email address provided by you on this complaint. '' ECMC stated that this account belongs to XXXX XXXX. I have never in my life been identified as XXXX XXXX. To this date ECMC, XXXX, or US Dept. of Education has yet to provide to me an original signed contract in addition, ECMC provided proof to myself and XXXX  that the nine accounts belong to XXXX XXXX. ECMC wishes for me to accept this as an simple typographical error. I REFUSE TO!! I have been reporting on multiple occasions that the loans are not mine has here is proof and ECMC. XX/XX/2023 the ECMC discount the amounts 107 %, the amounts as reported on my credit do not have a payment amount further proof that there is not accounts associated with me and these entities. This company provided alledged spreadsheets. All the proof that was given to me by ECMC, showing further proof that their records was and can be altered, XXXX. the account belonging to XXXX XXXX. These accounts were falsely generated.
Consumer complaint received 2023-02-23
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. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.