davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

For over 3 months I have been communicating with the Credit bureaus.I had two public record bankruptcies on my credit report. I contacted XXXX filled a dispute and they deleted from their data awe and my consumer file. For 60days now Ive been getting the run around with the credit bureaus on deleting this from my credit report. Under the fair Credit Reporting act 604 Im asking for these public records be removed. XXXX as informed that they will be filling a manual dispute as well as a unverified clarification dispute also. I spoke with XXXX at XXXX On XX/XX/22 in regulates of this matter she informed that these filling will take additional 40-60 days which is unfair especially when these are not on my consumer report
Consumer complaint received 2023-02-13
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. (TX)

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. Please have the following items removed from my Credit File 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by Federal Law to have the disputed accounts and information removed from my Credit File, so please do so.
Consumer complaint received 2024-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harris & Harris, Ltd. (TX)

Re : Formal Complaint Regarding Violation of FCRA and Improper Reporting of Paid Collection To Whom It May Concern, I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate and improper reporting of a paid collection on my credit report. First of all it should never have been reported as a collection, I switched service addresses with XXXX  and instead of transferring services they created a whole new account instead of doing it properly. Despite paying this account in full, the creditor and the credit reporting agencies continue to inaccurately report it as unpaid or unresolved. This failure to update and verify accurate information is a clear violation of FCRA regulations, particularly 611 ( a ) and 623 ( a ) ( 1 ) ( A ). 

Under the FCRA, furnishers and credit reporting agencies are required to ensure the maximum possible accuracy of consumer credit reports. The continued reporting of this paid collection account demonstrates blatant noncompliance with these standards. Additionally, I suspect that the XXXX system, which automates dispute processing, has failed to adequately investigate my dispute, violating my rights as a consumer. 

Specific Issues : 1. Violation of 611 ( a ) : The credit reporting agencies failed to perform a reasonable reinvestigation of the dispute I submitted regarding this account. 
2. Violation of 623 ( a ) ( 1 ) ( A ) : The data furnisher failed to report accurate information after being notified of the error. 
3. Improper Use of XXXX Codes : The use of inadequate XXXX codes likely resulted in an automated and insufficient dispute resolution process, failing to address my specific concerns. 

Requested Action : I demand the immediate removal of this collection account from my credit report as it has been paid in full and should no longer be reported as derogatory. Failure to correct this matter will leave me with no choice but to escalate this issue, including filing a formal complaint with the Federal Trade Commission ( FTC ), exploring legal action, and seeking statutory damages for willful noncompliance under 616 of the FCRA. 

Attached, please find copies of the following : 1. Proof of payment for the collection account.

2. A copy of my credit report highlighting the inaccurate entry. 

I expect your acknowledgment of this complaint and resolution of the matter within 15 days, as outlined in the FCRAs procedural timeline. 

Sincerely, XXXX XXXX Enclosures : Proof of Payment, Credit Report Highlights
Consumer complaint received 2022-07-04
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. (NC)

My complaint with Transunion is that XX/XX/XXXX. Transunion added to my credit report, XXXX Account # XXXX. I disputed this in XXXX of XXXX in which Transunion removed this account. Proof of deletion is attached. During a review of my credit report I noticed in XXXX. Transunion reinserted this account in which I disputed again and was told it was verified. I know this can't be so If it was investigated the first time and removed. This is in a violation with the Fair Credit Reporting Act Laws. 15USC 1681a [ 1 ] Reinvestigation required [ A ], & 15USC 1681s-2 [ 9 ] Duty to provide notice of status as medical information furnisher. & 15USC 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] i, ii. [ B ] I, ii, iii. [ 1-3 ] [ C ]. & 15 USC 1681s-2 [ 8 ] Ability of consumer to dispute information directly with furnisher [ E ] [ 1-4 ]. 
Along with that issue, I have submitted numerous letters and made phone call in attempt to removed inaccurate inquires off my credit report that are not accurate. These are also in violation of my 15USC 1681 section 602A & 604A. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX In addition please send me the names. business address and phone numbers of those who made these unauthorized credit inquiries so I may contact them directly.
Consumer complaint received 2024-12-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (FL)

The XXXX XXXX Citibank branch manager XXXX XXXX refused to assist with a transfer even though the funds were available. 

I was forced to call the Citibank XXXX number and they were able to help me. 

This was a situation where because of discrimination XXXX XXXX wasn't willing to help me. I would like this investigated, and for someone to call me.
Consumer complaint received 2022-12-20
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. (AR)

On XX/XX/2022 I mailed to Experian by certified mail a request asking for the method in which two accounts reporting on my report were verified. According to tracking information, Experian received this correspondence on XX/XX/2022. 

On XX/XX/XXXX I received a response from Experian electronically. This response stated that the result of my disputes were ready and that the account XXXX XXXX XXXX XXXX was updated. 

Nowhere in my correspondence, which is included, did I request that Experian dispute this account. I requested that Experian provide me with their method of verification regarding the accounts mentioned. It seems as though Experian did not read my correspondence nor perform a proper investigation into these accounts and merely allowed it to be incorrectly sorted by their automated systems. 

According to the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; From my understanding Experian must provide this information to me within 15 business days of my request, which it did not.

This account should be removed from my credit file due to failure to perform a proper investigation.
Consumer complaint received 2022-05-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sentry Recovery and Collections, Inc. (CT)

Sentry Recovery has been calling me non stop since XXXX of XXXX. I've received phone calls from them over the last XXXX years from time to time since the collection was filed against me. One representative calls me about 3-5 times a week. He threatens me with things he can not do like seizing my bank account, assets, or property. He gets extremely irate when I ask to speak to another employee, today he slammed the phone and hung up. People trying to help me in my situation believe they are a scam but it is not, it's from a company based in XXXX XXXX NV who have been sued over 10 times in federal court. They refuse to contact the other members on the lease, they pressure and harass me weekly or daily because I'm the only one they can get a hold of. I thought I was doing the right thing trying to take care of this but it only opened a worm hole of problems after. The disputed amount was for about {$7000.00}. We came to terms and deducted it to {$2500.00}. When I asked the company to provide that agreement in writing the man, XXXX, became furious and got snobby saying " he was only trying to help me '' before hanging up. He threatened to terminate my debt agreement with the company and proceeded with more empty threats. I find it weird that they've had this on my credit report for XXXX years but refuse to send me and written documentation of the debt or what our recent agreed amount was, I was asking them for emails or letters and they continue to tell me that they aren't able to do that for me. I've asked for written things since XXXX from the company but they refuse to comply or send anything in writing. I'm very sketched out because of how aggressive and mean the employees are on the phone, it's terrifying to have your life and income threatened by people who are completely unreasonable and won't provide any sort of legal documentation.
Consumer complaint received 2020-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 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 2020-08-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (NC)

Recently, XXXX XXXX XXXX placed a collection account on my credit report for {$5700.00}. Prior to this account appearing on my credit report, I did not receive a notification of my right to dispute. They claim that they did not have to send me any notice, because the original creditor had already been reporting this account on my credit report. What the original creditor reported on my credit report has no bearing on what a collection agency puts on my credit report. They are still bound by the laws of the Fair Debt Collection Practices Act, and they are violating my rights under federal law. Furthermore, I don't even owe any money to the company they claim to be collecting for. I called them directly myself, and they show my balance as {$0.00}, and they report it as {$0.00} on my credit report. XXXX has not once given me the opportunity to contest the debt, and they continue to violate multiple state and federal collection laws daily.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX  XXXX XXXX  XXXX XXXX, Texas XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/2020 Dear Sir or Maam, I am taking this time to write you about updating my personal information with your company. 

Please update to my full legal name : XXXX XXXX XXXX Please remove all other names or alias such as : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XXXX CC : Driver License CC : Bank Statement Address
Consumer complaint received 2023-07-03
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. (TX)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, NE XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-07-14
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-11-07
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-07-09
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: JPMORGAN CHASE & CO. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (FL)

Hello, I hope you can help me with this problem that I am having with the credit bureaus, especially with XXXX. 

It turns out that I have been sending letters to their offices to investigate certain accounts reported in my report, but the only thing I have received in return is being ignored by them, I have been sending them letters for about 4 months and they still do not deign to answer me. I am tired of trying to repair my own credit and not seeing any results. 

In addition, XXXX sent me a letter saying that they had " Suspicion '' that I was working with a credit repair company, to which I sent them a letter in response. 

I feel that they are playing with my time and credit since in the first letter I attached my ID and a Bill as they indicate on their website.
Consumer complaint received 2021-09-17
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. (MI)

I am a victim of identiury fraud and attempted to make several attempts to get this resolved with the credit bureaus. To date, I have not been successful. I have inquires on my report that are not mine, account and addresses. I have sent this form 3 times via mail and still nothing. I need help as this is damaging my report, BADLY
Consumer complaint received 2021-09-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (FL)

So my car was repossessed back in XX/XX/2020 and Ive been paying on this car for almost 3 years. I was pulled over and found out that my car registration is no longer valid because when my car was repossessed the car was never put back in my name. Now Im having a hard time getting the company XXXX to send me the title paperwork to get my registration back on my car. Im still Making payments on my car but cant drive it. Its been 2 weeks and they are still not telling me what the hold up is. Ive been renting a car and I cant afford to keep doing both.
Consumer complaint received 2020-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit