davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-25
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)

To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i.

In response to my dispute regarding the account XXXX XXXX XXXX # XXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate.

According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The reporting of these account ( s ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated.

I hereby request the immediate deletion of this account from my consumer reports.
Consumer complaint received 2024-02-25
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. (GA)

In the recent Credit File Disclosure provided by TRANSUNION, there are several reporting practices that explicitly violate the consumers federally protected rights. Consumer states for the record NO opt out notices were EVER provided, specifically now referring to the opting out of the sharing of nonpublic information with nonaffiliated third parties, pursuant to 12 C.F, R 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third parties. Furthermore, TRANSUNION is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. Please provide a copy of each written authorization that was provided, allowing the proceeding disputed reporting AND 15 U.S. Code 1681e - Compliance procedures specifically Accurate Reporting. Transunion is now committing willful noncompliance and negligence. TOTAL LIST OF THE inaccurate items reporting without consent are highlighted in the attached Credit Report and outlined in the letter sent XX/XX/XXXX. They include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REGULAR INQUIRIES : 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 XXXXXX/XX/XXXX All checking account and XXXX  ACTIVITY YOU HAVE NO CONSENT TO OBTAIN AND/OR SHARE THIS INFORMATION AND YOU FAILED TO PROVIDE OPT OUT NOTICES FOR CONSUMER TO REVIEW THEIR OPTIONS.
Consumer complaint received 2021-04-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

Got a {$400.00} late fee on my loan. Multiple issues with the loan, have a pending complaint already with you regarding this. Want that late fee removed due to multiple issues with usaa. Also when the repo agent was at my vehicle it was damaged by him.
Consumer complaint received 2021-10-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc. (TN)

I XXXX XXXX entered into a consumer credit transaction with Carmax Auto Superstores , Inc finance on XX/XX/2021. A consumer credit transaction is a transaction in this a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. Since, I know the finance charge is the sum of all charges.
Consumer complaint received 2021-08-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (LA)

On XX/XX/2021 Venmo deducted my account - {$1200.00}. I had to report fraud on my Venmo account through my bank. Bank agreed and gave me my money back. Venmo then decided to deduct that money and leave me owing money with a negative balance. 

Within that timeframe I received {$300.00} total from friends/family and that amount was used towards paying the money back Reached out to support. They investigated and closed case. Wont respond any further. 

I want the - {$1000.00} amount cleared to {$0.00} and my {$300.00} returned to me in my account.
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am XXXX applying for a Mortgage. The Mortgage company sent me a copy of my credit report and all three credit bureaus ( Equifax, Experian, TransUnion ) display : XXXX DELINQUENCY XXXX NUMBER OF ACCOUNTS WITH DELIQUENCY I have no delinquencies on any accounts and with this, there should be no " number of accounts with delinquency ''. This marks against my credit are completely untrue and unjustifiable to be on my report.
Consumer complaint received 2023-04-06
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. (CT)

There is an address thats not supposed to be on my experian and XXXX consumer reports. The address is as follows : I have never lived there in my life. Ive lived at the same address for almost 20 years. Ive already tried to dispute this matter before about this address and they havent removed it. This could possibly be a matter of fraud or id theft. 
I would like the address deleted from my experian and XXXX reports immediately please. According to fcra laws they are required to report ONLY 100 % TRUE AND ACCURATE and this is blatantly not true or accurate. It would be negligent to blatantly leave this false information on my report Address for is Experian : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Address for XXXX is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CT XXXX
Consumer complaint received 2020-08-31
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX {$15000.00} XXXX  XXXX  XXXX {$130.00} CHAPTER XXXX BANKRUPTCY DISMISSED {$0.00}
Consumer complaint received 2023-03-26
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: EQUIFAX, 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. 
Account name : XXXX XXXX XXXX, Account Number : 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 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am Currently applying for a Mortgage. The Mortgage company sent me a copy of my credit report and all three credit bureaus ( XXXX, XXXX, TransUnion ) display : 39-SERIOUS DELINQUENCY 18- NUMBER OF ACCOUNTS WITH DELIQUENCY I have no delinquencies on any accounts and with this, there should be no " number of accounts with delinquency ''. This marks against my credit are completely untrue and unjustifiable to be on my report.
Consumer complaint received 2023-04-06
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)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX this an hard inquiry this not my account I would like it removed from all three credit companies please this was opened fraudulently
Consumer complaint received 2021-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (GA)

Southwest Credit Systems at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the amount of {$190.00} the collection has been reported as unpaid balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature nor did they receive my consent for services.
Consumer complaint received 2020-12-10
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: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2020-12-10
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2020-12-10
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Tower Loan of Mississippi, Inc. (MS)

On XX/XX/20 Tower loan contacted me about a debt. I told them I knew nothing about a debt with tower loan. Than he threaten to report it to a credit agency. The next day I get an a alert in my email that some has inquired on my credit. Tower Loan inquired on my credit with my consent.
Consumer complaint received 2020-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (AR)

Ive been keeping a close eye on my credit report through XXXX XXXX and various apps. XXXX   notified me of a account in collections that I never received any communication about. The debt information was dated back in XX/XX/2020. To my knowledge that debt is over 5 years which is time barred. Also XXXX XXXX XXXX wrote the debt off the following year. I believe AFNI is doing illegal tactics by not sending any notice to the consumer in writing and reporting time barred debt.
Consumer complaint received 2021-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

On XXXX XX/XX/2020 I opened a PayPal account and on the XXXX of XXXX my funds I program to my PayPal cash direct deposit was received and I was notified sum of {$1200.00}, almost immediately even while still expecting my PayPal card which after I received havent being able to activate due to the closure I need this sorted and my PayPal released so I can have access to my funds
Consumer complaint received 2023-04-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (TX)

U.S. Bank vastly over reported the amount of interest income I received for the XXXX tax year to the IRS and has failed to correct the issue despite repeated my repeated attempts to come to a resolution. On or around XX/XX/XXXX, I contacted U.S. Bank to notify them of the issue and was told an investigation into the situation would be completed and I would be informed of the outcome of the investigation via letter. Rather than investigating, U.S. Bank simply sent me a duplicate copy of the XXXX I had originally received. On XX/XX/XXXX, I called U.S. Bank to follow-up on the issue and spoke with an employee named XXXX at XXXX PM XXXX who told me he was submitted a " CC request form '' and that someone would follow-up with me via phone within 48 hours. No one followed-up with me as promised. It is not XX/XX/XXXX and the deadline for filing taxes is rapidly approaching, and U.S. Bank has been totally unhelpful in correcting the mistake they made on my XXXX.
Consumer complaint received 2020-11-17
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. (GA)

I DISPUTED THE CREDIT ISSUE BELOW IN XX/XX/XXXX. XXXX  DID NOT FIX THE ISSUE AND CLOSED THE INVESTIGATION. XXXX IS THE CREDIT CARD IN WHICH I HAD A SECURED {$200.00} Security deposit that was NOT RETURNED TO ME WHEN I FILED BANKRUPTCY, they kept my money and reported me as bad debt. THERE IS NO PROOF OF ANY CASHED CHECK THAT XXXX HAS SENT ME. PLEASE REMOVE FROM MY CREDIT, REPORT CARD WAS PAID! I ONLY OWED {$24.00} in which I would like waived for inconvenience. 

XXXX XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX
Consumer complaint received 2024-02-25
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: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-12-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (KY)

I have repeatedly tried to pay on my debt, but every time I tried to pay info was misplaced or payment was not set up properly. I also had insurance so the amount that they have for collection is not the amount that I should be charged for. I contacted the credit card people I was disconnected like they were trying to mess up my credit. Please check with the company or companies involved, you will see that I usually paid promptly or whatever I made agreements/or arrangements too.
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX # XXXX is double reporting an account with the bank on my credit. This account has also been paid off and is still reporting a balance and I never received a notice for my 30 day right to dispute in the first place. I need this removed off my credit as they are in violation.
Consumer complaint received 2020-12-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CURO Intermediate Holdings (CA)

Some one used my information to get cash from Speedy Cash it was not me I believe Speedy Cash approved {$250.00} and now a Credit Agency - XXXX  XXXX is sending me messages that I owe {$300.00} When I called Speedy Cash to let them know I did not ask for nor receive money from them they told me to make a police report -- the hours that I work do not allow me to go to a police station to file a report -- the local sherriffs office is not open on XXXX. -- the credit agency told me to file with you so that's what I'm doing -- I did have some one try through the XXXX XXXX XXXX XXXX file for a bunch of dept. store cards online - XXXX  XXXX, XXXX, XXXX XXXX, to name a few so I think it might be whoever did that - XXXX XXXX  did tell me that they are the bank for XXXX to which I had a card I cancelled so I think this all a result of cancelling that card. -- Thanks -- I did not take a Speedy Cash loan wasn't me
Consumer complaint received 2020-12-10
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. (NJ)

Hi, I'm a dad of XXXX. I have been working my XXXX off during this pandemc. I was always a stay away from credit guy but I have recently been more in tune with it because of current situation. As I look my report, I notice some fraud accounts and they aren't sitting well with me. I've sumbit the documetation to the federal and they tell me that I should follow up with the bureas of reporting. I saw that sectin 605 of law say that these accounts have to be remove from my report. I am not to good with computer so I did my best to upload my stuff.
Consumer complaint received 2021-06-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

Well its been actually a few years this problem has been going on. I have sent all credit agencies XXXX, XXXX, And XXXX  a police report about this loan being fraudulent. They still have't taking it off.
Consumer complaint received 2021-06-05
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: CITIBANK, N.A. (HI)

My mother 's Home Depot/Citibank North America card information has be added to my XXXX, XXXX  and XXXX  credit reports and being used as a factor to compute my credit score. I'm only listed as an authorize user. I'm requesting that this be taken of my credit report.
Consumer complaint received 2024-02-25
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-12-10
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, XXXX  and TransUnion consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.