davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-17
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. (KY)

The following accounts does not belong to me and I'm respectfully requesting that these unauthorized accounts be removed. I've requested a Method of Verification for this investigation, I've requested physical documentation all to no prevail. The credit bureaus can not relay on electronic verification, nor shall they ignore a consumer inwhom identity has been compromised. And before these credit reporting agencies report accounts to a file they must be thoroughly and physical verified. I'm asking that these accounts be blocked and removed immediately. 

1 ) XXXX XXXX {$470.00} 2 ) XXXX/ XXXX 3 ) XXXX XXXX {$610.00} 4 ) XXXX XXXX {$10000.00} 5 ) Dept of ED/XXXX   {$4500.00} 6 ) Dept of ED/XXXX {$3500.00} 7 ) Dept of ED/XXXX {$2200.00} 8 ) Dept of ED/XXXX  {$2100.00} 9 ) Dept of ED/XXXX {$2000.00} 10 ) Dept of ED/XXXX {$1800.00} 11 ) Dept of ED/XXXX {$1700.00} 12 ) Dept of ED/XXXX {$1300.00} 13 ) Dept of ED/XXXX  {$1000.00} 14 ) Dept of ED/XXXX {$1000.00}
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: Experian Information Solutions Inc. (TX)

Experian will not adhere and follow the law that a credit agency was given by CFPB when it comes to the timeframe of validation of debt. Per CFPB regulation F subpart b 1006.34 ( b ) : ( 5 ) Validation period means the period starting on the date that a debt collector provides the validation information required by paragraph ( c ) of this section and ending 30 days after the consumer receives or is assumed to receive the validation information. For purposes of determining the end of the validation period, the debt collector may assume that a consumer receives the validation information on any date that is at least five days ( excluding legal public holidays identified in 5 U.S.C. 6103 ( a ), Saturdays, and Sundays ) after the debt collector provides it. 
I am providing the laws that you ( CFPB ) have put in place to protect a consumer ; I have provided proof and sent a certified green card letter to Experian, XXXX, and XXXX proof that XXXX has not sent any validation of debt for all XXXX of my student loans in the 30 days, only a letter saying verify. Experian only updated and did delete off my consumer account, even with all the documents provided. Now it is your responsibility to have these credit agencies to abide by the federal laws ( you have written CFBP ) by removing all XXXX of my student loans from my consumer credit file. Since, Experian has not complied with the federal laws that are here to protect me ( XXXX XXXX XXXX, I am now requesting for CFPB to have these credit report agencies to follow your law and remove now! I have read the laws on what you as an agency must follow, and you have failed to act. I am not requesting for you to validate the information for me, I am telling your agency that I request for XXXX to validate all XXXX of my student loans and I only received one piece of paper without anything else according to CFPB XXXX, you as a consumer reporting agency is not above any law! As of today XX/XX/XXXX, I just receive a package from XXXX from my original request on XXXX XXXX and Complaint with CFPB XX/XX/XXXX, this is proof that it took 2 months for me to receive any information to my first original request for validation of debt on XX/XX/XXXX. I only receive 1 letter saying that an account is verify and accurate. That letter from XXXX does not follow the guidelines and law written by CFPB, which states what a validation of debt is and what is required by the debt collector/ servicer within 30 days.
Consumer complaint received 2022-07-16
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. (TN)

I Have a Right to Privacy and to know what's being reported to the CONSUMER REPORTING Agency. 15 U.S.C. 1681a. It states a CONSUMER reporting agency can not furnish an account without my written instructions. I have not given any written consent to put anything on my CONSUMER report the law also states that the information got to be 100 percent accurate. XXXX XXXX # XXXX, are violating my rights I have asked them to stop showing my transaction history and my payment history a credit report is a CONSUMER REPORT and base on the law 15 U.S. Code 1681a ( 2 ) ( i ) a CONSUMER REPORT DO NOT INCLUED transaction history which is credit utilization and experiences which is payment history between the consumer and the creditor. By reporting this information you have made this account and my CONSUMER REPORT INACCURATE because you know this already your in violation of 15 U.S. Code 1611 ( 1 ) you are giving ON PURPOSE FALSE and INACCURATE information. The reporting of such inaccurate information has caused severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. YOU ARE HEREBY PUT ON NOTICE that you are furnishing inaccurate information. After this letter if you do not remove my transaction history and payment history like I have ask and written today you will be receiving a subpoena to court for all the violations and damages you have caused by not following the law 15 U.S.C 1681 ( s ) ( 2 ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( 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 information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2019-06-17
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. (MO)

These accounts are not mines, not sure if they are mixed up with someone with a close name or just an clerical mistake ..but please remove these accounts immediately. 

1 ) XXXX XXXX {$1000.00} 2 ) XXXX XXXX XXXX {$83.00} 3 ) XXXX XXXX 4 ) XXXX XXXX  5 ) XXXX XXXX
Consumer complaint received 2022-07-16
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. (TN)

I Have a Right to Privacy and to know what's being reported to the CONSUMER REPORTING Agency. 15 U.S.C. 1681a. It states a CONSUMER reporting agency can not furnish an account without my written instructions. I have not given any written consent to put anything on my CONSUMER report the law also states that the information got to be 100 percent accurate. XXXX XXXX # XXXX, are violating my rights I have asked them to stop showing my transaction history and my payment history a credit report is a CONSUMER REPORT and base on the law 15 U.S. Code 1681a ( 2 ) ( i ) a CONSUMER REPORT DO NOT INCLUED transaction history which is credit utilization and experiences which is payment history between the consumer and the creditor. By reporting this information you have made this account and my CONSUMER REPORT INACCURATE because you know this already your in violation of 15 U.S. Code 1611 ( 1 ) you are giving ON PURPOSE FALSE and INACCURATE information. The reporting of such inaccurate information has caused severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. YOU ARE HEREBY PUT ON NOTICE that you are furnishing inaccurate information. After this letter if you do not remove my transaction history and payment history like I have ask and written today you will be receiving a subpoena to court for all the violations and damages you have caused by not following the law 15 U.S.C 1681 ( s ) ( 2 ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( 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 information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
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)

Hello, I recently noticed fraudulent activity on reports. What I have found has led me to believe that I may be the victim of identity theft as I did not approve any information to be used in my name. I am requesting that these items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being run. I did not receive any notification or alert to my credit being run for these accounts which is concerning. These fraudulent items are reporting inaccuracies which are directly impacting my relationship with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident.
Consumer complaint received 2022-07-16
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA (NJ)

I have a XXXX Hyundai XXXX XXXX. I leased the car in New York, and at the end of XXXX I moved to New Jersey. In order to register the vehicle in New Jersey, I need Hyundai Motor Finance to release the lien on the title. Simply, they need to send the title to the DMV so I can register my vehicle in this state. 

First attempt was XX/XX/XXXX. They told me it was processing and would be done in 7-10 days. 

Called back in XXXX. Same thing. I've since been calling almost every 2 weeks since. 

In XXXX, they finally " submitted '' my request. Only to find out in early XXXX that the request to release the title was denied because " the proper sales tax information was not provided ''. This clearly does not make sense, because sales tax was paid at the time of lease signing, and they are the one 's who have the lease in their possession. They are Hyundai Motor Finance. 

A representative from Hyundai told me I needed to resolve this as the DMV. I went to the DMV, and they told me this was nonsense. They would never " reject '' a title, it's not possible as title 's are recieved in the mail. They do not even consider sales tax in the recieving of a title. 

The DMV then provided me with a form to send to HMF, requesting again for the title release. I faxed and emailed the form to HMF. I called 2 weeks later, and they said it was never received.

Finally I got a " specialist '' on the phone who agreed with me the sales tax denial did not make sense, and they told me they submitted the request again with the proper information. But at this point after 6-7 months, I do not have faith this is being handled correctly. 

My New York registration is due to expire on XX/XX/XXXX. I have been waiting 6 months for Hyundai Motor Finance to send the title to my DMV here in New Jersey to register the vehicle. And I am going to have an unregistered vehicle soon because of this.
Consumer complaint received 2022-07-16
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION (SC)

Navy Federal Credit Union drafted XXXX on XX/XX/2022 from my checking account for a charged off Credit card balance. I asked to have it refunded and set up payment arrangements. I was declined a refund. XX/XX/2022 XXXX was drafted for charged of credit card from my checking account. I want my money refunded and I will set up payment arrangements.
Consumer complaint received 2022-07-16
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. (CO)

in accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX  account XXXX auto loan date opened XX/XX/XXXX account charged off {$4500.00} written off {$5400.00} as of XXXX 15 U.S.C 1681 section A, states I have the right to privacy 15 U.S.C. 1681 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instuctions
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OK)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2020-01-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (NC)

Yesterday, XXXX  contacted me through email that I had a change to my credit report. I checked it. First Federal Credit Control reported on my credit report that I owe two bills for the amounts of {$120.00} and {$74.00}. The report says the original creditor was XXXX XXXX. 

I have never heard of the collection company or the original creditor on my report. I also was never notified by the collection company or the original creditor for a bill. I am disputing both amounts since these bills do not belong to me.
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Contacted the credit bureaus following speaking with them and the US bankruptcy court. The court stated that they did not report a bankruptcy yet there has been a bankruptcy posted on all my credit bureaus for almost 7 years. This is gross negligence on their part. I never did a bankruptcy. I was going to do one back in 2016 and told the Judge that I decided against it. The Judge from the bankruptcy court then proceeded to dismiss my case. I explained all this to the credit bureaus and they stated there was nothing they could do. I then went to the court and got the dismissal paperwork sent to the credit bureaus which I am forwarding to you and to this day the bankruptcy is still on all my reports. I can not get a credit card. I can not buy a house. This has effected my ability to proceed forward in various jobs. And also has effected my score impacting my car insurance amount. The bankruptcy must be removed immediately.
Consumer complaint received 2022-07-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Afterpay US Services, LLC (VA)

On XX/XX/22 I purchased a pair of shoes from XXXX  and paid with an Afterpay virtual card in the amount of {$500.00}. On XX/XX/22 XXXX  issued a partial refund in the amount of {$55.00}. I contacted Afterpay because the debit card I had on file with them initially to pay back my purchase has since been closed along with the bank account. With Afterpay the purchase is split into 4 payments. My first 2 payment were paid with the debit card that has since been closed and my last 2 payments were made with my new debit card. I wanted to inform them of such so that they dont credit the closed card since the bank will reject the refund due to my account being closed. The refuse to give me a straight answer on this issue and insist on crediting the closed account when they know I wont receive the refund. Its seems as if Im being given the run around and that they are trying to keep my money.
Consumer complaint received 2022-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MN)

On XX/XX/2022 I clicked a website offer to sign up for a XXXX XXXX American Express card. The offer included XXXX bonus XXXX if I charged {$2000.00} in the first two months I had the card. On XX/XX/2022, I had charged more than {$2000.00} on the card, but did not get the bonus. I contacted American Express through the chat feature of their App, and was told that they did see that I had activated the offer for XXXX miles, but that the offer was " rescinded '' during the application process, and I should have seen a pop up indicating the offer was rescinded. There was no such pop up, and at no time did AmEx communicate that the offer was rescinded until I contacted them. They indicated they would research it and get back to me in 7-10 business days. I never heard back. 
Unfortunately, the app does not allow you to save a transcript of the text, so I then called Customer service and spoke to " XXXX '' -- she confirmed the same information : that the offer was " rescinded '' during the application. I told her I was never told it was rescinded. She " opened a case '' for me and said I would hear back fr them in 6-8 weeks. I never got any response. It's now been 13 weeks, and no one from Amex has gotten back to me.
Consumer complaint received 2022-07-16
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. (OH)

Experian failed to investigate fully and remove this account with XXXX  XXXX. Proof paid in full attachment to XXXX  XXXX  I took out a loan in 2019 with XXXX  XXXX. It had XXXX payments due, which I made all of the payments. They claim I still owe {$130.00} and have been reporting this is past due and charged off on my credit report cents. I have contacted all three credit bureaus, XXXX Experian and XXXX XXXX to dispute this. When they investigated it XXXX  XXXX  continued to verify that I was past due and did not make the last payment. I have disputed this directly with big loans as well and provided proof through my bank statements that for payments in the amounts due were paid. They continue to try collection efforts on me, and tell me that their verification shows that one check was not cleared and bounced. Obviously through my bank statements it shows for withdraws from my checking account over four months, and this proves that I do not owe them any money. They are continuing to violate my rights under the fair credit reporting act and the fair credit debt collection practices acts. I want this I want this account removed from my credit reports with all three bureaus immediately. No late payments were made and no money is owed to this company. They have also violated the law and I am due compensation Of {$1000.00} per incident.