davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-23
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. (GA)

I never consented to authorize nor benefited from all Inquires and accounts mentioned on my Identity theft repot, Block and delete them. If I have received goods and services from the furnished Inquires and account, let Experian, XXXX and XXXX have one of their senior executive certify under the penalty of perjury that I did received good and service from those transactions.
Consumer complaint received 2022-01-23
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 never consented to authorize nor benefited from all Inquires and accounts mentioned on my Identity theft repot, Block and delete them. If I have received goods and services from the furnished Inquires and account, let XXXX, XXXX and Transunion have one of their senior executive certify under the penalty of perjury that I did received good and service from those transactions.
Consumer complaint received 2022-01-23
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. (IL)

ON XX/XX/2021 I SUBMITTED A COMPLAINT WITH CONSUMER FINANCIAL PROTECTION BUREAU ABOUT CREDIT INQUIRIES THAT ARE REPORTING ON MY CREDIT REPORT THAT I HAVE NOT AUTHORIZED WITH ALL THREE CREDIT BUREAU. IT HAS BEEN OVER 30 DAYS AND THESE INQUIRIES HAVE NOT BEEN REMOVED FROM MY CREDIT REPORT. I HAVE OVER 20 HARD INQUIRIES DAMAGING MY CREDIT REPORT AND WOULD LIKE THEM TO BE REMOVED.
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 15 US 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 an account without my written instructions.
Consumer complaint received 2022-04-08
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: Colony Brands, Inc. (WI)

On XXXX I was alerted that my name, address & SS number were used to open an online line of credit with a company named " XXXX XXXX XXXX' in XXXX, WI and made a purchase to buy products from this company. I called the company directly and was able to put a lock on the account to prevent future purchases while they investigated my Identity Theft-Fraud claim. The shipment was not sent, so I was not liable for cash. Two more attempts were made to make purchases on XXXX & XXXX, neither which went through. No more attempts were made. I followed up with a letter to the company to confirm my statement. After several phone calls and being given the run around, on XXXX, I sent a letter from a template available on IdentityTheft.gov to request that my credit report be amended and that the Hard Inquiry of my Credit Report be removed. I also requested that I recieve a letter confirming that the account had been cancelled or closed and that they were sending information to XXXX to remove the Hard Inquiry on my report. I got USPS confirmation that the letter had been received on XXXX. I did not receive the confirmation letter, nor has my credit report been adjusted to remove the Hard Inquiry. I called again on XXXX and was told that the account was closed and I was not liable. The person I spoke with claimed that a letter was sent on XXXX. I did not receive any letter. I was told another letter would be sent and verified the address. It is now XXXX and I still do not have that letter. 
Company I have the dispute with : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
Consumer complaint received 2022-01-23
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 XXXX XXXX XXXX I submitted a a Complaint with the CFPB Report Number XXXX RE : TransUnion that they received as well, In reference to my previous dispute that was delivered on XXXX, XXXX. TransUnion responded back to my Complaint on XX/XX/XXXX, stating that they are STILL INVESTIGATING MY DISPUTE ALONG WITH THE DOCUMENTS I SUBMITTED AND WILL NEED 60 DAYS. THIS IS ABSURD. TransUnion RECEIVED my dispute back in XXXX and this is CLEARLY NOT IN COMPLIANCE WITH THE FCRA as the DEBT COLLECTOR ( S ) HAS 30 DAYS ONE TIME TO VALIDATE/ VERIFY THE DEBT. OR IT MUST BE DELETED. XXXX has provided two amounts as the BALANCE OWED is HIGHER THAN THE ORIGINAL BALANCE which is INACCURATE REPORTING. Diversified Adjustment Service, A REAGE ACCOUNT AND, IS ILLEGAL ACCORDING TO CFPB, and was VERIFIED WHEN DISPUTED. In Addition To, the THE DEBT COLLECTOR ( S ) is the one presuing to collect on the debt and SHOULD HAVE ALREADY ACCURATE/ COMPLETE INFORMATION FOR THE DEBT FROM THE ORIGINAL CREDITOR. THIS IS JUST ANOTHER TATIC THAT TRANSUNION USES TO CONTINUE TO REPORT INACCURATE ACCOUNTS TO MY CREDIT REPORT. ALL PARTIES INVOLVE HAS A PART IN THIS PROCESS AND I'VE DONE JUST THAT. DEBT COLLECTORS MUST FOLLOW THE FDCPA according to the CFPB. I have attached the documents AGAIN.regarding the INACCURACIES OF BOTH OF THESE ACCOUNTS AND, THE DISPUTE PROCESS BY MAIL THAT STATES ON TRANSUNION WEBSITE. I will be seeking legal counsel regarding this.
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (LA)

CHRYSLER CAPITAL account, date of reporting XX/XX/2021 Chrysler credit ids reporting erroneous information on my Credit report. Disputed with CRA 's nothing happened. violations are 1 ) No date of closed or by whom 2 ) no credit limit reported 3 ) no date of last activity or payment 4 ) no answer to 623 request. These are FCRA violations and account must be deleted. This account was sold to XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-01-23
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)

I requested validation regarding an assumed bankruptcy that is reporting to my consumer report. The reference number along with court names are not reporting the same information between TransUnion, XXXX, and XXXX. Also, after I disputed these items and the credit bureaus failed to provide the method of use to validate the account, instead I received a letter from TransUnion stating after investigation it was verified as accurate. The term investigative consumer report means information on a consumers character, reputation, characteristics, mode of living is obtained through personal interviews with neighbors, friends, and associates of the consumer. An investigation was not done with any of these sources.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

TransUnion was nice on the phone. The phone is the only way i can get my credit reports because I live in XXXX. No customer service persons ever denied that my credit report couldn't be mailed to my address. After verified the information they wanted, XXXX XXXX. XXXX, XXXX from my pension company, a signed statement with SS #, and an electric bill, it would be mailed to me here in XXXX. After the hassles I got from XXXX and XXXX, what a joy to do business with. 

It appears that Transunion may have lied to me. My letter asking for my free report went out on XX/XX/XXXX. I called on XX/XX/XXXX to check on it. I was told that it was mailed out XX/XX/XXXX, and the file # XXXX was in the mail. I still have NOT received it. 

I get lots of mail from the USA sent to me here in XXXX and have never had a letter lost. I had to spend many hours on XXXX begging and pleading with several customer service people all claiming I can't mail out anything to me, ( from XXXX and XXXX ). 

It appears that Tansunion just simply lied about their intentions to keep the phone time short and the customer happy at that time.
Consumer complaint received 2022-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am filling this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " .... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2024-03-07
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. (NC)

This complaint is for ALL Future, Past, And Current reports to my consumer report.

15 U.S. Code $ 1681b - Permissible purposes on my consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion and correction of any and all accounts IMMEDIATELY.
Consumer complaint received 2022-01-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Recovery Systems, Ltd (FL)

Nationwide Recovery Systems XXXX is calling me multiple times a day. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and will not tell me what it is about until I provide them my full name, SS #, date of birth, and address. I refuse to due this and they hang up. 

As I do not have anything in collections, this is harrassment.
Consumer complaint received 2022-04-08
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: Experian Information Solutions Inc. (NJ)

I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify and/or validate the accounts I disputed. Being that they have gone past the 30-day mark and can not verify and/or validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " .... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2022-04-08
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. (PA)

Credit Reporting Agencies continued to violate my consumer rights I report Fraud accounts on mu consumer report, filed a FTC report. Even after being informed the continue to be inviolation.
Consumer complaint received 2024-03-07
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)

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 : XXXXXXXX XXXX XXXX Account Number:XXXX  Account Name : XXXXXXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXXXXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX IN Account Number:XXXX  has violated my rights. Or a 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 2022-01-23
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: EQUIFAX, INC. (GA)

To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 
XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$81.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$970.00} XXXX {$1000.00} XXXX {$680.00} XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$190.00} There are no contracts, no valid claim ... accounts were settled with original creditors, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2022-02-19
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. (TX)

On XX/XX/2022 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 30days 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, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-14
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2018-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is will not remove fraudulant inquiries from my report that include XXXX XXXX  XXXX XXXX on XX/XX/2018 as well as XXXX XXXX on XX/XX/2018 need removed for my job
Consumer complaint received 2022-01-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I cancelled my extended warranty directly from the company ( XXXX ) on XX/XX/2021. The extended warranty company informed the dealership where I purchased the vehicle and the warranty on XX/XX/2021. The next step is for the dealership to send the refund check to Mazda Financial where I am currently paying for the car and the extended warranty. It has been more than 60 days with no response from the dealership and Mazda Financial is unable to help as well. Essentially I am paying for a product that already has been refunded back on XX/XX/2021.
Consumer complaint received 2022-01-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Charlottesville Bureau of Credits, Inc (GA)

My refund I never received 2 years put banks account in my name threw online banking hacked all my accounts my son school email my devices stalking me I haven't never ever seen her face to face. Stole unemployment 10,200 stole my stimulus checks I been going threw this 2 years I'm scared to file this year cause I don't know who too trust I show prove police fbi president everybody I could and everyone turned they back on me and my kids and daughter pregnant staying at her friend 's house cause my hackers ruined my life and I lost everything.
Consumer complaint received 2022-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

I settled with the company XXXX XXXX in a court hearing in the amount of {$1500.00}. It was agreed upon that if the amount agreed ( 1500.00 ) would settle the debt in full ( original amount was {$3100.00} ) if payment was received within 30 days the civil case and account would be closed. Check was received by them in XX/XX/XXXX, cashed, and applied to my original balance.I fulfilled my part of the judges order however I received a paper in mail stating that I owed the other half of the original debt amount which was not agreed upon in the court
Consumer complaint received 2019-08-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IL)

I opened a Citi checking and savings account on XX/XX/2019. Per the offer details : XXXX XXXX XXXX I kept over XXXX daily on the account for more than 60 days already, and have my direct deposit going into the checking account from my job. I should have gotten the XXXX $ bonus but have not and Citi won't help when I try to contact them.
Consumer complaint received 2023-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

i just received a bill in the mail from '' XXXX XXXX '' no dr name only a date. i have 100 % coverage from Medicaid and Medicare plus XXXX XXXX medically necessary. 
this allegiant debt is from XX/XX/2022 plus added interest from TSI and a letter stating pay or it will go against my credit rating
Consumer complaint received 2022-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Retail Merchants Associates (LA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2020-02-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (OH)

Threatened to provide information to my grandmother after being advised not to call her phone number anymore. The debt collector repeatedly keeps on calling her and advised her that I owe debt and call past XXXX in the evening sometimes XXXX.