davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-24
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. (MI)

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 customer Reporting agency cannfurnish a account without my written instructions.
Consumer complaint received 2022-03-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi how you doin? just writing to follow up with the dispute i sent on XXXX, XXXX XXXX its been over 4 months now and I thought I would get a response from your company after 30 days but it seems my letter is being ignored. I joined an online forum that discusses consumer rights and credit bureau violations and I was told that I could file complaints on CFPB since you are not doing what you're supposed to be doing. I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. Please reinvestigate and send me proof that you validated everything. I will wait for another month before i take my next steps.
Consumer complaint received 2021-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA (MD)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on PHEAA ( XXXX XXXX XXXX ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. Below are the following accounts with erroneous information. 

XXXX ( XXXX XXXX XXXX ) XXXX OPENED XX/XX/2020 BAL {$5100.00} ; XXXX  ( XXXX XXXX XXXX ) XXXX OPENED XX/XX/2020 BAL {$11000.00} ; XXXX  ( XXXX XXXX XXXX ) XXXX OPENED XX/XX/2020 BAL {$19000.00} ;
Consumer complaint received 2022-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MI)

WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS XXXX XXXX.
Consumer complaint received 2022-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS XXXX XXXX
Consumer complaint received 2022-03-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and 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 2022-03-09
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. (FL)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and 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 2023-11-10
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: Experian Information Solutions Inc. (TX)

I obtaind a copy of my credit report from Experian, XXXX and XXXX and noticed several unauthorized inquiries. The inquiries were NOT authorized by me and I have demanded to have the inquiries removed or provided proof that I authorized my credit to be pulled by the companies. 

I was never provided proof/documents showing where I authorized the inquiries.
Consumer complaint received 2021-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (KY)

XX/XX/2021, I signed up for XXXX XXXX, but learned the service would not work in my area. I immediately cancelled. The phones came and I returned them unopened. They didn't reimburse me the {$98.00} for XXXX that was promised. I received a bill from them dated XX/XX/2021 for {$220.00}, but when I tried to call the # XXXX, they couldn't talk to me because I didn't know a phone # and pin #. I received a phone call from Convergent Outsourcing XXXX stating the mini-Miranda and asking me to pay {$220.00} for XXXX. I told XXXX XXXX the story and she transferred me to XXXX where again I could not talk to anyone. I called Convergent XXXX and asked for a supervisor, who ( XXXX XXXX ) again quoted the XXXX. I told her my story. She said she will have XXXX call me, and also said they had auto drafted {$98.00} om XXXX and XXXX, meaning they now owe me about {$300.00}. They called, and said they needed to transfer me, but nobody answered the phone. I called Convergent and asked for the manager, and got XXXX XXXX again, who quoted the XXXX XXXX. She stated they are just pre-collecting and I have to straighten it out with XXXX. If it is pre-collections why are they calling in attempt to collect a debt. Why is the same person posing as supervisor and manager. Why won't they resolve a dispute.
Consumer complaint received 2021-12-14
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. (NY)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on Experian 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the public record reporting on my Credit Report : ( XXXX XXXX Bankruptcy # XXXX XX/XX/2019-Discharge )
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

Per FCRA credit reporting agencies must report accurate information at all times. Experian is inaccurately reporting 3 accounts as 30 days past due : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX while XXXX and XXXX are reporting the same exact account with the Payment Status : Paid or paying as agreed. Please update this inaccurate information " PAID/PAID AS AGREED '' if you are not able to update this information, please provide me with validation that this account has been late.
Consumer complaint received 2021-11-13
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PORTFOLIO RC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-03-09
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. (MI)

As I reviewed my recent report, I have found erroneous information 's reporting on my TransUnion Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to TransUnion to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-02
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)

In accordance with the fair credit reporting act convergent Acct # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX. XXXX XXXX XXXX XXXX states i have the right to privacy. 
XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX : it also states a consumer reporting agency can not furnish a account with out my written instruction.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have already sent multiple requests last XX/XX/XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please update the following accounts completely from my Credit Report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
Tel XXXX Acct : XXXX On XX/XX/XXXX, I rented a car with XXXX for XXXX total of 5 days, until XX/XX/XXXX. 
I proceeded to pick up the car on the previous mentioned date and returned the car on the contract date XX/XX/XXXX. 

Unfortunately, when I proceeded to return the car at the airport XXXX XXXX of XXXX York XX/XX/XXXX, there was not XXXX representative available to take the car keys, for this reason I proceeded to leave the keys inside the car as instructed by the Gate keeper/Airport parking representative. 
I then boarded my plane back home XXXX Florida, on XX/XX/XXXX, ( please find attached the ticket for evidence ) and forgot about the rental car. 

On XX/XX/XXXX, when I check my card, I saw new charges on my Capital One credit card from XXXX, I thought it was taxes and fees which is normal for my previous experiences, however, the next day more charges appeared on my card. I proceeded to call XXXX to questions the charges and the representative told me they were having system issues and couldnt tell me why I was still been charged. 

Finally, after all pending transactions posted from XXXX 10 days after, I call them again, only to find out that they never received the parked car at their parking lot at the airport, and they were charging me for it, just like I did never return the car, which is totally XXXX XXXX since I did return the car. 

I will be more than happy to pay for the XXXX period that we agreed on, however I felt like is abusive, unfair, and and misleading the fact that they give clients the wrong information and make it very difficult to get confirmation o returned due to the poor staffing. 

Also after reporting this issue to Capital one bank and and them conducting an investigation, they refer me back to the merchant, violating all the XXXX purchase protection agreement that we are bounded with. 

Next step will be to seek legal advice if this matter is not resolved I will be more than happy to pay for the XXXX period that we agreed on, however I felt like is abusive, unfair, and and misleading the fact that they give clients the wrong information and make it very difficult to get confirmation o returned due to the poor staffing. promptly.
Consumer complaint received 2023-09-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NATIONWIDE ACCEPTANCE LLC (IL)

The Email I sent to their Senior Manger was " I am one of your clients that has just experienced a ruinous phone conversation this morning with one of your managers. Around XXXX hrs of today, I called to speak to XXXX of your staff members about my account in hopes of assistance with my payment thats scheduled for tomorrow. Ive been having complications with my payments for the past three months and was seeking further assistance when I spoke to your Manager XXXX. I was understanding, and respected him informing me of my account 's situation and was completely respectful the entire time ( recording would show ) However XXXX was not! 

XXXX was displaying an aggressive tone while talking to me making me feel attacked about a personal situation. His talking in a coercion manner and cutting me off was him displaying His professional representation of your company. He continuously tried to belittle me and talk to me as if I was ignorant or a juvenile was out of line. 

XXXX XXXX XXXX I hope you are willing to investigate this interaction me and XXXX had and there will be some consequences on his behavior. Please check the recording for yourself and notice how XXXX was talking to me and was representing your company at that time. '
Consumer complaint received 2022-03-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I was not notified of any results from the credit bureaus. On XX/XX/2022 I sent in letters requesting verification on some incorrect items that's reporting to my credit. These negative items are holding me back from opportunities I can have to improve my financial situation. I'm already on a social security-based income. Please help me solve my issue.
Consumer complaint received 2022-03-09
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. (FL)

I am writing to you to let it be known that there are accounts in my report that were unverifiable, incorrect and inaccurate. According to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, you are obligated by federal law to verify any and all accounts that you place on my credit report by physically verifying the original signed consumer contract. I will enclosed the previous letter as proof that I sent here for complaints and you are reporting those account as not disputed.
Consumer complaint received 2022-07-24
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. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS FROM MY FILE TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. HOWEVER, I REQUEST THAT YOU REMOVE THESE ITEMS IMMEDIATELY. OR I WILL GET MY ATTORNEY INVOLVED
Consumer complaint received 2022-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

My wife and I have had credit cards issued by XXXX, I have had my accounts and she has had hers. The one in question went into default and shows up as I am an authorized user, I have never had a card issued for that particular account, they sent a card without my wife 's consent, she never requested and has called them numerous times to get it resolved. XXXX and XXXX has since removed it from my credit reports but TransUnion refuses to remove it even though I have requested several times.
Consumer complaint received 2022-03-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2022 I requested verification on some inaccurate items reporting to my credit report and have not been responded to. It's been over 45 days and it still haven't been a response. I honestly feel like I am being disregarded and ignored. Can you please get to the bottom of this?
Consumer complaint received 2022-03-09
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: Experian Information Solutions Inc. (PA)

Upon checking my most recent credit report, I noticed that you are continuously reporting accounts with incorrect erroneous information. This is a massive violation to the Fair Credit Reporting Act. I have already addressed Experian with regards to this issue and I have not received any response from them until this date.
Consumer complaint received 2022-03-09
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2022-03-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings (KS)

I have been made aware that someone got a payday loan in my name using my birthdate social security number and I wasnt aware of this still I starting receiving invoices in the mail that it was being paid by someone and then I was aware that I needed to take action and I called the payday loan place and told them this wasnt me and that someone was using my information for this loan and they said that it was being paid but couldnt tell me anything other then that and that they would report this as fraud and they would close the account.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I reached out to the Credit Bureaus about the XXXX XXXX XXXX accounts on my report on XX/XX/2022. I sent a photo copy of the receipt that shows that the balance was paid in all accounts totaling {$780.00}. The receipt also shows the account number provided by XXXX XXXX XXXX. They told me that it takes about 30 days for their system to update. I called Equifax and XXXX on XX/XX/XXXX as the accounts were still being reported as verified and accurate I submitted another dispute with all bureaus only to still be told that its being reported as accurate. I also have a confirmation number that I submitted on both dates. Im addition I submitted the payments listed by the original creditor that shows that a collection agency payment was received and the balance is now {$0.00}. Ive contacted XXXX XXXX XXXX directly on XXXX XXXX and spoke XXXX who told me that they have reported these collection items as paid. I am unable to obtain any credit or new credit due to this false reporting.I received notification on my last dispute on today XX/XX/2022 that the debt and amount being reported has been verified as accurate and correct