davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (KY)

This was an old loan and was paid and closed in full back in 2013. I did have issues with the balance and paid the payments biweekly until paid and then closed. I had to dispute this a long time ago and the last credit report that I had did not list that on there so this just popped back up. It has already been paid, closed, disputed, removed and now it's returned back on there again.
Consumer complaint received 2024-02-11
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)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX EMAIL : XXXX PHONE # XXXX TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX I am writing to formally dispute and request the removal of a unauthorized hard inquiry on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. This inquiry has adversely impacted my credit report and may affect creditworthiness. I kindly request that you investigate this inquiry and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. & 1681b ( Permissible Purpose ). 

Personal Information : Full Name : XXXX XXXX XXXX Date Of Birth : XX/XX/XXXX Last XXXX of Social Security Number : XXXX Unauthorized Hard Inquiry Details : Name Of INQUIRY : XXXX XXXX  Date of inquiry : XXXX Permissible Purpose Violation : I believe that the inquiry made by the aforementioned organization were made without permissible purpose as outlined in the FCRA, specifically 15 U.S.C. & 1681b. My interactions with the organization involved clear communication that I authorized a single credit check for a specific purpose. However, they proceeded to make multiple hard inquiries on my credit report which were not in line with the agreed-upon terms.

15 U.S.C & 1681b of the FCRA explicitly defines permissible purposes for accessing consumer credit reports. These purposes include, but are not limited to, credit transactions, employment, background checks, and account review by existing creditors. The organization in question did not have permissible purpose to make multiple hard inquiries without my consent, as these actions are not authorized by law.

If no permissible purpose can be established for one or more of the inquiries, I request that you make the necessary steps to have this inquiry removed from my credit report. 
XXXX XXXX XXXX
Consumer complaint received 2022-07-13
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America hired XXXX XXXX to appraise a home. She was incompetent and made large discrepancies on her report. I sent Bank of America two appraisals one done 1-2 weeks prior and 1 week after the one they hired XXXX to do to show them the incompetency of the appraisal done by someone they hired. Bank of America denied me the refund based on merchant cam charge for services rendered Bank of America did not want to refund me the money for an appraiser that they hired who appraised the home at a 40k difference than the other two appraisals that were done.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have not supplied the demanded proof of the alleged debt.Under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, in fact exists
Consumer complaint received 2020-02-24
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$1000.00} DEPT OF ED/XXXX  XXXX {$4100.00}
Consumer complaint received 2020-09-08
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-02-24
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)

My wife and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed from a rental property. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my report.
Consumer complaint received 2021-09-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (LA)

I OPENED AN ACCOUNT WITH A LENDER CALLED ONEMAIN IN XX/XX/XXXX. THE ACCOUNT WAS NEVER REPORTED LATE UNTIL XX/XX/XXXX AFTER THE LENDER REMOVED AN AUTOMATIC DRAFT AGREEMENT. THE AUTOMATIC DRAFT AGREEMENT WAS DONE BY PHONE, AND I GOT NO WRITTEN VERIFICATION OF THE AGREEMENT. 

THE LENDER ( ONEMAIN FINANCIAL ) TRIED TO RUN A LOAN FLIPPING SCAM BY AGGRESSIVELY CALLING ME MANY TIMES TO REFINANCE MY LOAN. THE REFINANCING OF MY LOAN WOULD HAVE COSTED ME HUNDREDS OF DOLLARS IN NEW FEES AND ADD ON PRODUCTS THAT WOULD HAVE BEEN ROLLED INTO THE NEW LOAN AT A VERY HIGH INTEREST RATE. AFTER MANY AGGRESSIVE CALLS ASKING ME TO REFINANCE MY LOAN, I ASKED TO BE PUT ON A DO NOT CONTACT LIST. I ALSO ASK FOR MY PAYMENTS TO COME OUT OF MY BANK ACCOUNT AUTOMATICALLY TO AVOID ANY FURTHER COMMUNICATION. INSTEAD OF PLACING MY LOAN ON AUTOMACTIC PAY FOR THE LIFE OF THE LOAN, THE LENDER PLACED THE LOAN ON AUTOMACTIC PAY FOR ONLY 12 MONTHS. THIS MEANS I WOULD HAVE TO SPEAK WITH AN AGGRESSIVE SALES AGENT AT SOME POINT IN THE FUTURE. AFTER THE 12 MONTHS OF AUTOMATIC PAYMENTS THE LENDER TERIMATED THE AGREEMENT TO AUTOMATICALLY DRAFT MY ACCOUNT WITH OUT NOTICE. I DIDN'T KNOW THE AGREEMENT WAS CANCEL, AND AFTER REPORTING ME 30 DAYS LATE THEY MAIL ME A NOTICE. I IMMEDIATELY BROUGHT THE ACCOUNT TO A CURRENT STATUS UPON RECEIVING THE NOTICE STATING MY ACCOUNT WAS OVER DUE. I NEVER HAD ANY 30 DAY LATE PAYMENTS ON THE ACCOUNT PRIOR TO THIS TIME. I WASN'T NOTIFIED BY PHONE BECAUSE OF THE DO NOT CALL STATUS DUE TO PREDATORY LENDING, AND THE LOAN FLIPPING SCAM AGAINST ME.
Consumer complaint received 2020-05-23
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: Klarna AB (FL)

On XX/XX/2020 - XXXX XXXX, XXXX XXXX checked my credit without my permission. I was a victim of Identity Theft. 
Also, on XX/XX/2020 - Klarna / XXXX attempted to give me a loan. I did not authorize this company to check my credit. I contacted them already as well to decline any application. I was a victim of Identity Theft.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TransUnion is refusing to look into the inquiries I have informed them that are not mine. I have no recollection of such accounts. 

XXXX. XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 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 consent. And with out supporting that proof written consent the accounts must be removed from credit report.
Consumer complaint received 2024-02-11
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. (CA)

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-07-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (TN)

I took out a loan through credit fresh ( line of credit offered through XXXX XXXX  ) on XX/XX/2022. I received a statement that showed for my first billing cycle, I had incurred a {$55.00} billing cycle charge ( which is fine- I agree to that ). I just paid the loan off today but it changes the billing cycle amount to {$160.00} when paying in full. I agreed to the loan with the {$55.00} charge but I did not agree to them changing it to {$160.00} when paying it in full. On their website 'https : //www.creditfresh.comXXXX XXXX  ' it states there is no pre-payment penalties yet I am being charged more when I was pre-paying the loan. I followed up with them today & customer service states the billing cycle charge changes based off how much you pay which directly conflicts with what was stated on the website about pre-payment penalties when I signed up. This intentional ambiguity is designed to charge me a pre-payment penalty despite stating they would not.
Consumer complaint received 2020-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

Credit Collection Services has infringe upon my right to privacy as a consumer. In they are in violation of the following sections of the Fair debt collection privacy act. 

1. XXXX ( XXXX ) 2. XXXX ( XXXX ) 3. XXXX ( XXXX ) 4. XXXX ( XXXX )
Consumer complaint received 2021-09-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Klima, Peters & Daly, P.A. (VA)

XXXX never contacted me regarding the accounts they had just reported to my credit history on XX/XX/2021. Instead, they hired an attorney by Klima, peters, and daly to sue me in the Virginia general district court for the amount of XXXX the warrant of debt was sent to the wrong address, the only reason I got that mail notice was because the mailman recognizes my name on the envelopes. the Klima peters daly law firm sent a notice for debt settlement 10 days afters they already file the suit. these tactics are unethical, the customer so suppose to be notified of such actions before filing and as the settlement notice states i had 21 days to settle. even though XXXX  never contacted me regarding these accounts, and XXXX also had access to my credit report that has my current address and number. this is was crooked actions. 

note ; the statements they gave the court clearly show my current address so they intentionally wanted for me to miss the court date.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is the second complaint I have filed against XXXX. 

I am a full XXXX XXXX XXXX class member. As a full XXXX XXXX XXXX class member who is in the the automatic discharge group. I was due total and complete relief by a federally imposed deadline. Please know what I just said a federally imposed court deadline of XX/XX/XXXX. This is not my deadline. This was a deadline that was imposed by a federal court. This is verifiable by legal documentation I am enclosing with this complaint. Full relief entails discharge of all of my student loans, removal of all student loan data from my credit reports, and refund of all monies paid to any service or including prior service servicers at the time of this writing, XXXX has done nothing. In fact, XXXX has fought my complaints. And verified information to the credit bureaus after the relief deadline in blatant violation of the settlement Furthermore, they have updated my student loan balance with interest increases after the settlement deadline. They are destroying my credit. In fact yesterday my Trans Union score dropped XXXX points Soley because of the interest increase on the student loan they are not supposed to be reporting. They must remove these accounts from my credit report. There is nothing to discuss. There is nothing to debate. They have no discussion they have no excuse. There is nothing up for debate. I am a full class member I have proof I am a full class member I have the settlement documents. There is nothing to discuss. They were required by XXXX XXXX to remove these accounts they failed to do so. I am demanding you get involved you force them to remove these accounts. From my credit report, because they are reporting them in violation of the law to my detriment. This is unethical. 
As they knew, I was a XXXX XXXX XXXX member as they put me in for a XXXX as a result of this settlement. They were aware of the deadline and chose to ignore it. Furthermore, I have received a federal job offer. This job, Offer requires a background investigation. This background investigation requires a credit check. The erroneous information XXXX is reporting causes me to appear as a liability. XXXX may cause me to fail this investigation. They have been aware of this for months because I informed them of writing of the possibility I may receive this job offer. I received the offer on XX/XX/XXXX. The harm I am suffering is no longer speculative. Its real. Its present. You must uphold the law you must force them to remove this information. They were required to remove these loans from my credit report by XX/XX/XXXX. They failed to do so. There is nothing else to discuss. I am not subject to any other lawsuits currently pending or surrounding borrower defense they can not use that as an excuse. XXXX XXXX XXXX is a settled federal lawsuit. I have attached the full text of the lawsuit as well as my notice. Thank you.
Consumer complaint received 2022-07-13
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. (TX)

Equifax this is your final notice to DELETE those charge offs XXXX XXXX XXXX and XXXX XXXX XXXX of my consumer reports!! 
You have been holding this account more than 30 days. 
I am tired of YOUR negligent reckless investigation 15 U.S. Code 1681q - Obtaining information under false pretenses Is a violation!!! 
18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. According to the law everything what can not be verified after 30 days must be DELETED. 

15 U.S.Code 1681s-2 A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall NOT furnish You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a FINAL opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. 
Failure to respond to this factory with deletion of the charge off will result in legal action being taken against your Consumer reporting angency for which I will be also seeking {$1000.00} for violations and more damages Economic Emotional Statutory Punitive Wanton/reckless and willfully Attorney fees 15USC 15 SUITS BY PERSONS INJURED DEFAMATION OF CHARACTER NEGLIGENT NON-COMPLIANCE CIVIL LIABILITY MENTAL ANGUISH
Consumer complaint received 2024-02-11
Product: Credit reporting 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. (MN)

My information has been stolen and used without my permission, consent, nor my knowledge whom ever stole my information applied for Auto loans, credit cards, and many other items, here a list of unauthorized inquiries that was made on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All the above listed inquiries are unauthorized and was done without my permission, permission, nor consent and must be deleted from my credit report with all credit bureaus under these illegal inquiries are reported illegally on my check systems report, XXXX report, XXXX report, and Trans Union report. It must be removed ASAP. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Consumer complaint received 2024-02-11
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-02-11
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. (AR)

i am a natural person, i am a livng human being. i have right under 15 usc 1681 transUnion is goven by 15 usc 1681. and they violated my right numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 i have the right to privacy I did not give transUnion written permission to furnish these accounts XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX child support
Consumer complaint received 2024-02-11
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-02-11
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. (PA)

In acordance with the fair credit reporting act XXXX account # XXXX has violed my rihhts.

15 u.sc 1681 section 602 A. States I have the right to privacy.

15. U.S.C section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-20
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!