davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
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. (DE)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2024-02-14
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 sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to address the failure to comply with the law to remove a fraudulent account from my credit report, despite confirmation from the bank of the validity of the associated identity theft report and assurances over the phone to remove the account. Other bureaus have rectified this error by removing the account from their report. 
XXXX  XXXX
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Verbally advised they were in violation for the XXXX XXXX Act. Every single BANK I SPEAK WITH AND QUOTE THIS LAW TOO. DOES NOT CONFORM. I have been hung up on, told they do not have ID NUMBERS AND REFUSE TO COMPLY. They will not honor that I have a federal right to speak to anyone in that company per federal law. And will not comply. The will follow FCRA LAW. Lengthy hold times, inaccurate information and numerous transfer because they abuse a XXXX American that worked there and has verified they still study laws every year. This is pure and utter RETAILIATION. Which is also against the law. Or do you enforce anything? Thank you for holding this bank accountable for their lies and manipulation from someone who worked there and verified Inahve been lied to on multiple calls on XX/XX/2022. I have an open fraud case also. Went to the branch office, as the frauXXXX department would not answer the phone aft a long wait. They refused to help even though I have a fraud charge and abuse of elderly. The looked at me like I have the PLAGUE WHEN I quoted them the law they study every year. I am totally disgusted with AMERICA. You sit there and make hug salaries. And state this and that and call yourselves honorable. Actions speak louder than words. Is there any action left or only WORDS THAT ACCOMPLISH NOTHING. Please do some freaking due diligence and see the hypocrisy. Do it, dont play patty cake and ask them. INVESTIGATE AND PROSCUTE. Or there is no law. Only what you do and dont get caught. Thank you.
Consumer complaint received 2021-05-20
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. (MI)

Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten any response please remove this inaccurate information : XX/XX/XXXX-XX/XX/XXXX Experian XXXX XXXX XXXX Experian XXXX XX/XX/XXXX experian XXXX XX/XX/XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-02-14
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 recently perused a copy of my credit history. It said that the credit request originated from the credit inquiry listed below. However, I did not provide my consent for this question to be asked. In response, I'm writing to contest this inquiry and ask that it be removed from my credit report. 
XXXX XX/XX/year>
Consumer complaint received 2024-02-13
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. (CA)

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the XXXX XXXX ( 15 USC 6802 ). XXXX BANK is depriving my rights under the XXXX of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX, TRANSUNION, and XXXX. By way of identity theft, said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2019-02-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (AZ)

I have been experiencing major hardships due to medical bills for my XXXX year old daughter. I am a single XXXX mother with no other monetary assistance except what I earn. My daughter has been in and out of the hospital  and I have been laid off work due to excessive absences because of her illnesses. 
In the course of this loan, I have given you {$3500.00} for my now repossessed car. I managed to pay this in spite of all of my difficulties. However, I can not at this time catch up my payments and I see that your fees continue to escalate. 
I am not currently in a position to pay off this loan and the loan payoff amount is more than what I originally bought the car for. This is a terrible hardship  for me and I have requested to have the loan canceled but can not speak to anyone " in charge '' at this " bank ''
Consumer complaint received 2024-02-14
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 want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2021-05-20
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. (MI)

Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten any response please remove this inaccurate information : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX Ussm Bus Admin XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern. I ask that you rectify this mistake promptly by updating my account.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I paid the balance in full on a Capitol One Credit Card prior to the closing date of the account of XX/XX/2022. Capitol One did not post the payments on the account prior to the statement closing date of XX/XX/2022. Capitol One did post charges against the account on XX/XX/2022 which was AFTER it received my payments but before the closing date of XX/XX/2022. Essentially, Capitol One posts charges but not payments. They charged me a late fee and interest even thought they had my payment. When I called, I spoke with a person identified as " XXXX '' - but he refused to give me his last name or other information even though I made multiple requests for it. I told him that I did not believe that his name was just " XXXX '' with no last name and that he was lying to me. He said he did not have to give me his name because it was company policy not to have representatives identify themselves. Basically- it is Capitol One 's policy for the representatives to lie to consumers. It is theft for Capitol One to take my money, not post the payments on the account, but post additional payments to merchants after not posting my payments, and then charge me interest and fees. " XXXX '' tried to talk me into having " Auto-Pay '' set-up on my account. I think the entire thing is a scam so that people set-up Auto-Pay. I do not want Auto-Pay on my account and should not be forced into Auto-Pay. This business should be illegal. They should not be charging me fees and interests because they do not post my payments to the account.
Consumer complaint received 2018-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NV)

I had a collection account with XXXX XXXX XXXX XXXX XXXX I paid them in full and they agreed to remove the collection from my credit report and they did but now I just received a copy of my credit report and the collection is back, I called Equifax and they told me they will remove it again but nothing has been done. Please remove the collection account from my credit report.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (GA)

Barclayss Bank is reporting inaccurate information on my credit report. Barclays Bank Delaware supplied the 3 major credit bureau with inaccurate information about a 30 day late fees in XX/XX/2019. The late fee was removed and expunged from my account and I was refunded. There was an error on Barclays behalf and my account was corrected. I called customer service and they said that the late was removed in their system. I have disputed the error and reported this to Barclays but Barclays have failed to correct the credit reporting. Please remove and corrected the inaccurate information with all the bureaus.
Consumer complaint received 2022-01-19
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. (PA)

I submitted serval disputes dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requested that an account be properly investigated and properly verified and the method of verification. I have received responses that the account was accurate and updated. I seen no changes made i received no responses of the method of verification. This account in question HAS NOT BEEN PROPERLY VERIFIED OR INVESTIGATED according to the FCRA 611 ( 15 U.S.C. 1681I ) my consumer right have been violated as well as the Health Insurance Portability and Accountability Act of 1996 Section 1173. By improperly verifying this account you are compliant in violating my rights, and will be held accountable if legal action does persist.
Consumer complaint received 2022-07-19
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. (NC)

XX/XX/2022 I sent a written letter requesting documentation to prove that these accounts belong to me. I requested to see contracts, my signature etc. I also sent a letter with inquiries that did not belong to me. I did not receive a response. 

On XX/XX/2022 I disputed information that was not correct on my credit report. Everything is still there. 

It is illegal to report inaccurate things.
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Creditor - XXXX XXXX XXXX ( Mortgage from XXXX XXXX ) Please change Status to CLOSED PAID IN FULL. BALANCE XXXX. I was part of the governments sanctioned forbearance plan and as a XXXX protected person I am unfairly being targeted by this additional statement by not being able to obtain housing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXX, 2015 I paid off the XXXX XXXX XXXX, account. I received a letter on XXXX XXXX, 2015 that the account had been resolved. However Trans Union is still reporting it on my credit report.
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: REGIONS FINANCIAL CORPORATION (GA)

THANK YOU : I HAVE A PRESTIGE VISA CREDIT CARD BY REGIONS BANK. CREDIT LIMIT IS {$5000.00} AVAILABLE CREDIT IS {$1300.00} THE BANK DECIDED TO CLOSE MY ACCOUNT. THE ACCOUNT IS TILL OPEN BUT I CAN NOT USE THE CARD. I HAVE NEVER BEEN LATE OR BEHIND ON THE ACCOUNT. I HAVE A LINE OF CREDIT WITH THE SAME BANK FOR {$250000.00} OPEN AND IN GOOD STANDING NEVER LATE. PUT THEY DECIDED TO CLOSE MY ACCOUNT BUT I STILL HAVE TO PAY INTEREST FOR A CARD THAT I CAN NOT USE. I BELIEVE THAT THEY RIPPING ME OF FOR OVER A YEAR. 
I HAVE NOT FOLLOWED ON THIS BECAUSE I HAD TO HAVE XXXX XXXX XXXX XXXX. JUST GETTING BACK ON MY FEET AND AGAIN I HAVE NOT BEEN LATE ON MY ACCOUNT. 
THANK YOU AGAIN FOR TAKING A LOOK AT THIS MATTER. 
SINCERELY XXXX XXXX
Consumer complaint received 2024-02-13
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. (CA)

XXXX XXXX BANK XXXX XXXX XXXX my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the XXXX XXXX ( 15 USC 6802 ). XXXX XXXX BANK XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2021-05-20
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. (CA)

Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten any response please remove this inaccurate information : XXXX  of XXXX - XXXX XXXX XXXX XXXX XXXX-XXXX XXXXXXXX XXXX XXXX-XXXX XXXX XXXX
Consumer complaint received 2022-12-12
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. (NH)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I do not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX  Balance {$2500.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$2300.00} Balance updated XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} Balance updated XX/XX/2022 XXXX
Consumer complaint received 2021-05-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (IL)

In XXXX of XXXX Ally financial XXXX auto division, stop sending me bills after I ask them to validate the debt to make sure I was paying the right bill after I received ally bills with different people names on it for same amount I was paying for my car. After further investigation, loan was done in fraud and in fact they never lent me any money for the car, they actually took my application, applied it as a assets on their book entry, double book entry, then bill me for a loan that didnt exist. Since then they suspended my online payments, and made me go to XXXX in order to pay, but after couple months without current bill XXXX denied me to make payments until I received an updated bill. I told Ally about the situation every month since then, in XX/XX/XXXX XXXX XXXX XXXX was illegally repossessed with compensation. This happened a day before my child was born in which we had no way to drive to the hospital, and was forced to delivery the child at home.
Consumer complaint received 2022-01-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: General Motors Financial Company, Inc. (FL)

Regarding GM FINANCIAL Account Number XXXX XXXX XXXX XXXX 36 Month Lease @ {$440.00} per month. 
Vehicle was leased on XX/XX/XXXX thru XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. 
After the lease term expired, I accepted two monthly extensions for which I paid {$440.00} each month. Unable to arrange for an agreeable lease on a new vehicle, I exercised my lease purchase option and forwarded the amount stipulated in the underlying lease document {$21000.00} to GM Financial Leasing ( my check # XXXX dated XXXX, XXXX ) at the address furnished in their related letter dated XX/XX/XXXX which is XXXX XXXX XXXX XXXX XXXX TX XXXX. I enclosed the required odometer notice and statement and requested that the title be released to Virginia XXXX XXXX and XXXX XXXX XXXX. I also enclosed a prepaid FedEx return envelope in the hope of expediting handling of the transaction. On XX/XX/XXXX, I received XXXX XXXX check for {$21000.00} with absolutely no cover letter or explanation whatsoever! In response to my telephone inquiry, I am informed that I must go to XXXX XXXX and payoff the lease! Of course, the dealership can then send the payoff back to GM Financial! In order to accommodate this FRAUDULENT CHARADE, I was forced to pay XXXX XXXX {$590.00} captioned as Predelivery Service Charge! Please note that the dealership did not have possession of my vehicle and simply filed out a vehicle buyers order and applied to the XXXX of Florida for issuance of a title which was subsequently issued on XX/XX/XXXX. Obviously, GM Financial orchestrates this scam in order enrich their dealer partners while simultaneously abrogating their responsibilities to their lessees! I ask for a thorough investigation into this matter which is symptomatic of a widespread fraudulent scheme against the public!
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the XXXX XXXX ( 15 USC 6802 ). XXXX  is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX and EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).