davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-18
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$1800.00}, {$0.00}, {$0.00}, {$0.00}, {$2700.00}, {$1400.00}, {$0.00}, {$5100.00}, {$250.00}, {$3400.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX  XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 9. XXXX XXXX/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

11. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Consumer complaint received 2017-08-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NH)

I took out a personal loan through Onemain financial. After going down to the office and reviewing the terms of decided to hold off on taking out the loan. The hold up was the fact that I just started a new job a couple months prior. The paperwork I signed clearly showed i was n't at that job more than a couple months. The sales agent sold me on a unemployment insurance policy. The policy was supposed to pay if I lost my job for reasons out of my control. 8 months later I lost my job but received unemployment from the state. Unemployment sent me paperwork proving I lost my job for reasons that qualify under the insurance policy but the insurance was rejected due to not being at my job long enough prior to taking out the loan. Turns out I needed to be employed by my then current employer for 1 year prior to taking out the insurance. The sales agent never made me aware of this and the proof is he sold me the insurance. Onemain was quick to blame me for thinking I was covered by the insurance i paid for but has refused any option to fix the situation. They started calling me with highly aggressive collection tactics. Calling and hanging on the machine but then calling right back and leaving 4-5 messages a week even multiple on the same day. This started after the insurance company made it 's decision then OneMain quickly sold the debt. After a quick search online I 'm seeing other stories of sales staff not being honest with consumers and illegal collection tactics. I have all voicemails saved and pictures of the caller ID showing they just kept the phone ringing.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I sent all required mail to the main three credit bureaus ( TransUnion, XXXX, and XXXX ) to place an initial fraud alert AND an extended fraud alert on my credit report as I have had fraudulent accounts opened, It doesnt show online that I have any fraud alerts on any of the credit bureaus. I have had fraudulent inquiries under my name and my information. I am a victim of fraud and identity theft. I need an initial fraud alert AND an extended fraud alert to be placed on my credit report on ALL three credit bureaus ( TransUnion, XXXX, and XXXX ) immediately. Thanks.
Consumer complaint received 2022-04-05
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP (NY)

Upon leasing this vehicle I was never notified that I didnt have to make a down payment. I was told a down payment was mandatory to better my chances at getting the vehicle, so I paid in cash/debit. However, I learned today that pursuant to TILA does not include charges of a type payable in a comparable cash transaction that was false information given to me during that transaction. In addition, they repossessed a vehicle and failed to comply with regulations by notifying me of my right to rescind. This corporation did not notify me of my right to rescind they only told me I had to pay or surrender the vehicle. I have just became aware of my rights to rescind today XXXX, XX/XX/2022 & there is no statue of limitations on fraud. They never delivered such forms upon repossession. Now, even after the vehicle is repossessed and my rights withheld from me there is a third party collector consistently writing me to settle the debt with them for a total that is not 25 % of what the vehicle was worth. I did not sign a contract with this third party collector and I did not give them permission to have access to my information and they have no permissible purpose by law to contact their parties with my personal information. This is identity theft ( 18usc1028a ) They are subject to civil liability as well as deleting the derogatory item off my report immediately. Ive written them a letter today and sent it in the mail certified to notify them that I am aware of their failure to comply with these regulations which resulted in these multiple violations and demanded immediate action.
Consumer complaint received 2021-09-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-02-23
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. (FL)

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 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
Consumer complaint received 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX XXXX XXXX  Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX  Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX 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 instruction 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 2022-04-05
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. (DE)

I tried to have equifax remove the incorrect information on my credit report and ask them how the verified the information they have. They have yet to provide me any information and still are posting the incorrect information. 
The Credit bereaus never did a proper " investigation " according to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this Also, they have violated my rights even more. 

In accordance with the fair credit reporting, everything has to be 100 % accurate on my credit report. 

The Credit bereaus stated my account was properly investigation but how is that possible if the open is inaccurate, the date last active is inaccurate and the last reported is inaccurate. This is ground for removal. 

They also violated the law because according to 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. 


I did not give anyone written instructions
Consumer complaint received 2020-09-18
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. (MO)

The following accounts are a direct reflection of the aftermath of what ones credit file looks like after your identity has being compromised, misused, stolen and unauthorized. Im demanding the immediate removal of these accounts, accounts inwhich I have absolute no knowledge about. 

1 ) XXXX XXXX XXXX {$700.00} 2 ) XXXX XXXX XXXX {$120.00} 3 ) XXXX XXXX XXXX   XXXX 4 ) XXXX XXXX XXXX XXXX XXXX  5 ) XXXX XXXX XXXX XXXX  6 ) XXXX XXXX XXXX 7 ) Missouri Department of Child Suprt Im also demanding the physical method of verification for these accounts. As a general rule of law electronic verification can not be accepted as proof.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have lodged disputes regarding a specific account with Experian repeatedly over the past XXXX XXXX months. However, following each purported " investigation, '' the outcome consistently upholds the accuracy of the reported information. It is crucial to underscore that Experian is obligated to report only precise and truthful information. Enclosed with this formal complaint are supporting documents for verification. It is undeniably unreasonable for me, as a consumer, to expend my time rectifying errors made by one company through the intervention of another. Therefore, I express gratitude to the CFPB for their time and dedication in holding companies like Experian accountable for their actions.
Consumer complaint received 2022-10-07
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. (TX)

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

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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) Section 5 states : No consumer reporting agency may make any consumer report containing any of the following items of information or 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 ) Section 1 states : 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 2020-08-21
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. (FL)

Transunion has not investigated or provided any dispute results in any of my dispute investigations. I have sent a dispute letter to Transunion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and I have yet to receive any communication via US Mail. 

The FCRA states that when a consumer submits a written dispute about an item on their credit report, credit bureaus must conduct a reasonable investigation of the disputed debt. Transunion did not do this. 

I have attached all 3 letters to this compliant as well as the certified receipt showing that I mailed a letter to them and it was delivered and pick up by Transunion. So, Transunion can not state that they did not receive my dispute nor can they say I didn't submit the proper identification documents because I attached those as well. 

My consumer rights have been violated not once but three times. I understand that we are in a global pandemic and Transunion may be  short staff, that's why I had given Transunion a total of 45 days to investigate instead of the standard 30 days which is required by law.
Consumer complaint received 2022-10-07
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: Atlanticus Services Corporation (CA)

In accordance with the fair credit reporting act. This XXXX, XXXX XXXX has violated my rights under 15 USC 1681, section602 states I have the rights to privacy. 15 USC 1681, section604A section 2. It also states a consumer reporting agency can not furnish an a account without my written instructions. Under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-04-26
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: Central States Recovery, Inc. (MO)

I am filing this complaint due to no response from the creditors after previous request for investigation and validation. This issue is stressing me out, adding to the pressure that this pandemic is already has in me. The following accounts I am listing here XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, CER STS REC XXXX
Consumer complaint received 2020-09-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent CERTIFIED letters out over 60 days ago and have yet to receive a notification. As a consumer I feel like these people dont care and are taking advantage of me. Also, THIS IS ME THIS IS ME THIS IS ME!! DO NOT SEND ME A VAGUE STANDARD RESPONSE!!!
Consumer complaint received 2020-05-15
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. (WA)

I made a purchase with XXXX XXXX XXXX it auto selects XXXX  payment that specifically says it will not check your credit. It has a learn more button and says no credit check. I dont need a payment plan it auto picks that as the first option. I am super XXXX that it says no credit check then i get an email saying it pulled my credit. That is so freaking illegal to say no credit then to pull it. I did not authorize it to pull.
Consumer complaint received 2017-09-09
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. (CO)

Equifax is one of the three main credit reporting bureaus in the United States, maintaining a database on millions of individuals. On XX/XX/XXXX, Equifax announced a security breach comprising of personally identifying information ( PII ) of approximately 143 million individuals. According to their statement, they learned of the breach on XX/XX/XXXX. According to their website set up in response to the breach, I and my wife are two of the millions of affected individuals.
I am particularly incensed by three things : 1 ) A business relationship with Equifax is not optional in modern society. If you have ever paid a utility bill, or had a bank account, or applied for a job, Equifax likely has some information about you. Given that they are inescapable, they should be held to high standards that they clearly failed to meet. 

2 ) That no notification was made by the company for 40 days after the breach was notified. Identity theft does not take 40 days to happen, and neither should notifications of a failure of this magnitude. 

3 ) Equifax 's security measures are clearly lacking, both in allowing this breach of the public trust and millions of people 's PII, but also in the hastily constructed websites in responses to the breach.
Consumer complaint received 2023-01-26
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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 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
Consumer complaint received 2021-04-26
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: Opportunity Financial, LLC (MO)

I am filing this complaint due to no response from the creditors after previous request for investigation and validation. This issue is stressing me out, adding to the pressure that this pandemic is already has in me. The following accounts I am listing here XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OPPITY FIN XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (OK)

Opened an account with M & T using a code to receive a cash bonus if I direct deposited to the account, completed the XXXX direct deposit on XX/XX/XXXX. Never received the cash bonus. Since this time, my account has been locked due to " fraud '' with no explanation given. They requested my social security card and a recent credit card or bill statement sent in to them at email address : XXXX. Sent in this information XX/XX/XXXX, was advised account would be unlocked within 24 hours so that I could withdrawal my money and close my account. My accounts are still locked and M & T is unwilling to cooperate or unlock my account. Also charged XXXX for 7 months just for having an account with them, that I was unable to withdrawal from.
Consumer complaint received 2021-04-25
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: EQUIFAX, INC. (NJ)

Previous complaint : I noticed inaccurate information on my consumer report and requested an investigation into these items, but never received a response and it is to my knowledge that I should receive a response within 30 days. I submitted my initial request on XX/XX/2021 and today is XX/XX/2021, which makes it the XXXX day, so I am demanding per the FCRA that these inaccurate items be removed. I've attached the original documents and will be attaching my Demand to Comply letter as well. 

Now : I've attached a FTC report as an additional measure.