davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
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. (PA)

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX PINE XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-06-19
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. (FL)

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my TransUnion credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote TransUnion a letter on XX/XX/XXXX to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay TransUnion wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a XXXX XXXXXXXX with very XXXX XXXX and i am able to write my letters of dispute without need for a third party. 
TransUnion is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist. 

COMPANY : XXXX XXXX  INQUIRY DATE : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Attached is the letter i wrote to TransUnion and the letter TransUnion wrote back to me refusing to process my dispute. 
i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Consumer complaint received 2021-08-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Purchased a car from XXXX XXXX XXXX XXXX, Ga location, provided my information online also had my dad as a co-signer. Went to the car lot and was informed that i wouldn't be able to use my dad as he was not present at the time. So they told me my limit and had me pick out a car, and sign the paperwork I checked that the loan paperwork had all of the correct information and signed. Months went by and the car never showed up on my credit, call the dealership and informed them of the issue they told me to and i quote " give it some more time ''. Ended up checking my dads credit and the car was on his report, we immediately contacted the car dealer and they kept giving us the run around for over 6 months. We then decided to contact Capitol One Auto finance, they were no help either. Tried to file a police report didn't work police informed me that it was a civil matter. Dealership tricked me into giving them the car and filed it as a repo and had the car resold to wash they're hands of the fraudulent loan. Capitol one has not returned my year worth of payments ( {$7200.00} ) nor my down payment that was my XXXX XXXX  XXXX  that I traded in ( {$2500.00} ). As an American state citizen and a as a flesh and blood living being ( non entity/ non debtor ) under oath to the most high of creation only and provided the facts listed herein XXXX XXXX XXXX
Consumer complaint received 2021-08-06
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: Experian Information Solutions Inc. (OH)

Ive noticed that there is a bankruptcy on my credit file for which I need to dispute. Ive disputed with XXXX and they have removed the Bankruptcy right away as it remained on my credit illegally for years. 

Please see to it that XXXX and Experian do the same too. Ive contacted the clerk of courts and they never verified items on credit files so Im baffled as to how a public record such as the BK is on my credit report!! 

I know for certain that the bureaus are in violation of the FCRA, Comprehensive Credit Act of 2020 sec 401 and other laws. At this point, Im entitled to compensation!! {$1000.00} per item! 

XXXX needs to remove the Bankruptcy. 

Experian also needs to remove the Bankruptcy. 

No negative items such as inquiries, late payments etc. should even be listed especially if none of its true for which none of the information can Be verified ln my credit file! Again none of this untrue info has been legally verified to be true. 

If this isnt resolved soon, Ill be litigating soon!!
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: EQUIFAX, INC. (OH)

I just pulled my report and saw a lot of errors. I saw some inquiries in my account that are not allowed under FCRA guidelines. I have tried contacting the bureau for validation but they chose to ignore my demands.
Consumer complaint received 2021-08-06
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: TD BANK US HOLDING COMPANY (TX)

I never applied for a target credit card and I called target and I was waiting on a fraud form to fill out and I never received it and the reps are rude to me and wouldnt close my account .. now I didnt make those payments on my accounts and I dont own a bank account Im a XXXX and living with my parents and the credit bureaus failed me and didnt take any actions to remove this account off my credit report with target {$790.00} balance that is currently reporting and I will keep fighting
Consumer complaint received 2021-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc. (NC)

McCarthy, Burgess, & Wolff reached out to me via a letter XX/XX/2021 and then with a phone call stating that I owed a debt of {$3300.00} to XXXX XXXX. I do not have a XXXX XXXX account.
Consumer complaint received 2022-07-18
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. (NE)

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Credit Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions
Consumer complaint received 2022-07-25
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)

I ordered a copy of my report from XXXX on XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, Experian, XXXX has not responded to my disputes. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the follwing accounts because I believe these accounts are reporting in error : XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$6600.00} DEPTEDXXXX   XXXX Balance Owed : {$23000.00} DEPTEDXXXX   XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-08-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (NC)

Xoom, a XXXX XXXX Repeated issues with them. I send money to the same people all the time. I added a new person this week and now they suddenly want my W-2 or a copy of my taxes for proof of funds AFTER I already sent them a copy of my bank statement, with my account number marked out of course. I have been doing business with them for three years and every time, I have met all of their compliance regulations. Finally, this is out of hand. There is limited customer service, no where to escalate issues within Xoom or XXXX and they handle millions of dollars every day and stay sheltered. Yesterday, I held for the Xoom compliance department for 5+ hours on the phone and was disconnected by them before ever speaking to a Live Person. Unacceptable. An agency must step in and help us, the customer, with this company. I have a large log of calls and emails with this company. Their customer service is based in XXXX and besides being difficult to understand, they have zero authority to handle issues. They are reading from a script and if the script don't fit, the customer is the one that loses. They refuse to escalate and nowhere on the Xoom.com or XXXX website does it allow you to file corporate complaints. 
They also tell you that you have " sending '' limits, but nowhere on their website can you find your personal limits, or if you are a level 1, 2, or 3, yet they will use that against you if it fits their " script ''. As a money service responsible for millions of dollars in transactions per day, the consumer deserves more control over their account. I hold my breath with every transaction I send, knowing I have not done anything wrong, but wondering what they might try to find wrong with it. It's almost like they arrest you for speeding, but never post a speed limit sign or tell you what the speed limit is. Please help us, the consumer.
Consumer complaint received 2021-08-05
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 writing to you because I have items that are not mine. Please check the following items, make an investigation of them, and delete them : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (TX)

Hello Kia Motors Finance is reporting that I missed a payment and I have not missed a payment. 
This dropped my score XXXX points and I need this corrected. I have paid every month, never missed a payment Thanks
Consumer complaint received 2021-08-05
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. (FL)

I have disputed erroneous accounts present with XXXX, XXXX, and TransUnion for many months with little response from the credit bureaus. This is a violation of the Fair Credit Reporting Act and the accounts listed in the attached letters should be deleted.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

My Capital One credit card payment is due today, XX/XX/2021. I made the payment today, but was informed that it would not post on the due date because the payment is being made after XXXX XXXX. I called Capital One, and they refused to accept my payment and post it for the date it is being made. I spoke with XXXX, who informed me that the " system '' won't allow her to accept it on time, and that I would be charged a fee, despite not having made a single late payment in the almost 8 years the account has been open. She informed me that after the late fee is charged, I will have to call back and request for the fee to be reversed, and that only then can they determine whether it qualifies to be reversed. They would not disclose what factors contribute to whether a fee waiver is available, but it seemed implied that perhaps certain personal factors may contribute to the situation. Is that even legal? As a consumer, who has made every effort to pay this bill on time for years, I am deeply concerned at the lack of care shown by Capital One. This should have been a simple matter to resolve.
Consumer complaint received 2021-08-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc. (NE)

XXXX Received notification through XXXX  that a delinquent account had been added to my credit report. Call the debt collector, Kansas Counselors @ XXXX CST. Was informed that I owed a debt from XXXX to XXXX  XXXX XXXX. Called XXXX  XXXX XXXX @ XXXX CST. Informed that there was a debt from XXXX of XXXX in the amount of approx. {$180.00}. Claimed they sent a bill for these services in XXXX. I have no recollection of this bill ever coming. I requested XXXX  XXXX XXXX forward me a copy of the original invoice. Provided them my email address. They never sent me the bill. One, I question the validity of the bill AND two I question the practices of a company who would wait 3 years and with NO notice sell a debt to a third party collector. What am I supposed to do in this situation to protect myself? My credit?
Consumer complaint received 2021-08-06
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. (FL)

The FCRA applies only to the 3 main credit reporting bureaus -- XXXX, Experian, and XXXX. ... XXXX, Experian, and XXXX  are legally obligated to provide identical information Upon review of my XXXX  and XXXX  report it states under Account summary : account ever late 3. That information is inaccurate. Looking at the report in the detailed view there is only 2 late payments.

Per XXXX  report the payment history is unknown for XXXX XXXX. So there should not be 3 accounts late when XXXX XXXX  payments are not able to be verified. 

Per further investigation I am requesting that information being reported by XXXX XXXX  be verified based upon accuracy. XXXX is showing no payment data. XXXX  is showing 17 late payments reported by XXXX XXXX. Experian is showing 16 late payments being reported by XXXX XXXX. 

Experian is showing 2 accounts ever late. XXXX  is showing 3 accounts late as well as XXXX. But under XXXX  and XXXX  only 2 accounts are displayed I do not see a 3rf account in the detailed view.

I have submitted disputes about accuracy and I am not able to get anywhere. XXXX I do not see where the fairness lies per FCRA.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Conn's, Inc. (TX)

I went to Conns on XX/XX/2021 my boyfriend and I were greeted by XXXX I then showed him a BEDROOM SET ( keyword set ) that I wanted. He told my boyfriend and I to sit on some massage chairs and I told him that I wanted to pay upfront. He insisted that we finance because we just moved out here and itll save us money, so us being naive we listened. We filed out everything and after the paper work was finished I asked if he had made sure he got the correct bed set and if he had my dressers on there and I informed him that I didnt want two nightstands that I only wanted one. He told me that he got all that and that Ill revive my dressers after I make a couple payments so we set up a delivery date for the bed and I went home. On XX/XX/2021 I contacted Conns because I havent received my dressers and they told me they had no knowledge of me supposed to be getting the dressers. So I told them the story and they said sorry there wasnt anything they could do about it so Im stuck paying a loan for a XXXX bed. I would of never got just a XXXX bed Ive been mislead and tricked.
Consumer complaint received 2021-08-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (KY)

XXXX XXXX XXXX I sent a debt validation letter to G.L.A. Collection Compton to validate a debt. Instead they sent me a copy of the billing statement of the alleged debt in the amount of XXXX dollars and XXXX dollars. It is my understandings that this company has failed to validate or verify this debt owed and has continued to report this to the credit bureaus damaging my credit report, which is a clear violation of the FCRA regulations. Please delete this information from my credit files and cease all collection activities.
Consumer complaint received 2023-09-30
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: Experian Information Solutions Inc. (PA)

I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication XXXX any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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 2022-11-07
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. (GA)

XXXX XXXX XXXX XXXX OPENED XX/XX/2021 AMOUNT {$190.00} I contacted this company to ask for verification of this account unfortunately, they was not able to do so and they are still reporting. It is not my intention not pay for debt that I owed, however, I do not recalled doing any type of business with this company, however, I asking this company to verify this account and I am not asking for any itemized bill, I am asking for contracted with my signature that stated I have done business with this company.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I have called XXXX many times in an attempt to rectify this issue. They are reporting late payments to the CRAs even though the terms were {$XXXX} for XXXX months. The account was paid off before then. In fact equifax shows XXXX derogatory months while XXXX XXXX shows XXXX. The amount due was paid in a lump sum of {$XXXX}.