davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, ( Original Creditor XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2023-04-02
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. (PA)

I am not requesting debt validation or a copy of my payment history I am demanding the following late payments to be updated to current due to the following billing errors and Consumer trade and commerce law violations late payments are not legally required to be reported to credit agencies but if reported must be accurate if reported but they fall under transactions and experiences between creditor and consumer pursuant to 15 USC 1681a ( b ) ( d ) ( 1 ) ( 2 ) and 15 usc 1681 ( C ) ( a ) I am also opting out of credit reporting of my personal financial information and Im requesting the limitation of my financial information being share and I do not want any financial derogatory information to be shared please delete all previous derogatory information that has been reported to agencies pursuant to 15 usc 1681s-2 ( a ) failure update account will result in a {$1000.00} fine per violation of U.S codes and consumer rights laws 15 usc 1681n. - Civil liability for willful noncompliance And 15 usc 1681o. Civil liberties for negligent noncompliance u seven days to delete all late payments and all derogatory financial information from my consumer reports
Consumer complaint received 2021-05-30
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. (MO)

I contacted transunion after receiving my credit report about inaccurate items on my report. 
Transunion is showing different variations of name ion their report. My legal name is XXXX XXXX XXXX. I sent a copy of birth certificate with proof of address and a copy of my drivers license which all state my legal name. 
Transunion shows XXXX, XXXX, XXXX as a name I am known as which is inaccurate reporting. 
Transunion also shows inaccurate information concerning my address. They state my address as XXXX XXXX XXXX XXXX  which is inaccurate reporting and XXXX XXXX XXXX XXXX which is inaccurate as well. My address is XXXX XXXX XXXX. XXXX XXXX, Mo. XXXX
Consumer complaint received 2022-07-21
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. (FL)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXX XXXX Dates XXXX
Consumer complaint received 2020-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Account Number : Current Employer : XXXX  2. The following personal information is incorrect Account Number : Addresses : XXXX XXXX XXXX XXXX md XXXX 3. The following personal information is incorrect Account Number : Addresses : XXXX XXXX XXXX  XXXX XXXX md XXXX 4. The following personal information is incorrect Account Number : Addresses : XXXX XXXX XXXX XXXX nc XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Consumer complaint received 2020-07-01
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. (CA)

The name XXXX XXXX XXXX appears on my credit report I called XXXX XXXX and they became XXXX XXXX in XXXX They are aware that this XXXX XXXX XXXX is a fraud and trying to collect debt that does not exist from consumers My credit report says this account was opened on XX/XX/XXXX The amount they say I owe is {$110.00} Please contact me at XXXX and please stop this fraud from happening to me and others. 

Thank you XXXX
Consumer complaint received 2023-06-03
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)

In accordance with the fair credit reporting act, XXXX XXXX Acct # XXXX has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 2020-07-01
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: LEXISNEXIS (IA)

I disputed public record Chapter XXXX bankruptcy dismissed reference number XXXX with XXXX by certified mail on XX/XX/2020. XXXX responded back that the item had been verified as belonging to me in XXXX of 2020 and they listed Lexis Nexis as the furnisher of the Information. I then disputed the information with Lexis Nexis and on a later date ( XX/XX/2020 ). Lexis Nexis further found the Public record info was inaccurate and it was removed from my records there. They stated they would also notify anyone they furnished that information too that it was incorrect and should not have been reported. EVER. XXXX was mentioned by name in the letter as a company they had given incorrect information too and that it would be resolved within 30 days with follow up letters. That I never received from either company. I would just simply request the information be removed from XXXX records. They are incorrect and are not mine.
Consumer complaint received 2020-07-01
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. (NY)

I have Equifax the credit bureau about a new set of financial account that added and removed which induced a drop in my credit score of 76 points overnight. I immediately call Equifax to report the change and the false information that were inserted, I spoke to a representative and a supervisor whom acknowledged the information would neither explain why, how some information was removed ( usually good reporting accounts ) and old accounts which are not active were reported and created a drop of 76 point without a single account changing. I am suspecting fraudulent activity on behalf of Equifax which is designed to wreck someone report and artificially lower the score and make consumer pay more for credit, I was in the middle of a house refinancing and now that this maliciously was inserted i would have to pay tens of thousands more. I am attaching a copy of the change that shows what account were removed and the ones added with a phony balance, this is totally wrong.
Consumer complaint received 2022-07-21
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. (MD)

I am sending this complaint because I still believe there are some errors on my credit. I would like Credit Bureaus to verify the information below and verify that its not untimely, inaccurate, unverifiable, or incomplete. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) Please evaluate the following items : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$470.00} ; NOXXXX XXXX Balance Owed : {$0.00} ;
Consumer complaint received 2024-10-12
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. (NJ)

I would like to dispute the following items on my credit report. 

Experian : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXL Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/scrub>XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Date of inquiry : XX/XX/scrub>XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2020-07-02
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. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX  XXXX   XXXX/XXXX  XXXX  XXXX  XXXX  XXXX XXXX   XXXX  XXXX XXXX  XXXX  XXXX/XXXX  XXXX/XXXX  XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-07-21
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)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX OF XXXX ) XXXX Balance XXXX {$230.00}
Consumer complaint received 2021-10-30
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: Merchants' Credit Guide Company (IL)

I have file several dispute to the bureaus, and creditor in regards of the inaccurate, errors, name, addresses and derogatory items on my credit report.. It's well over 90 days and I haven't received any results nor correction or deletions off my credit report ... At this point the parties involved is in violation of the FCRA and compliance law.. 

pleas help me by assisting with making them comply and and remove the items off my credit report..
Consumer complaint received 2020-07-02
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THE ACCOUNTS WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2023-04-02
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: SANTANDER HOLDINGS USA, INC. (AL)

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (OH)

Two things first of all : I have a credit card from U.S Bank National  Association. It is a XXXX XXXX Mastercard. Also, I have NEVER used a debit card in my life ( I'm XXXX years old ). I did not request this debit card and do not plan to ever use it. I've tried to call the company many times, but can't get through. They have no contact info for an e-mail on their web site so that's the reasons I'm writing to you. More troubling is that they sent one to me and one to my wife. She passed away in 2018! I would really like to know why they took this action. 

Please note that I have provided the card number on the next page, but have NOT activated it for obvious reasons already stated.
Consumer complaint received 2022-07-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (UT)

When I went to get a car loan I was told that I had a CITIBANK VISA account that had been opened and used in my name. I have not opened a BEST BUY VISA in my name at any time. I froze my credit report and have filed an identity theft report with the federal trade commission. I have received response from XXXX, XXXX, and XXXX. The only one I have had a problem with is XXXX  and Best Buy Visa or Citibank itself. They state they have verified the information and therefore they found it to be correct. I have not ever been contacted to verify these charges. The account is not even mine nor have I even known it existed. XXXX  and CITIBANK VISA have now sent this account to a collections agency.
Consumer complaint received 2023-01-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: PENTAGON FEDERAL CREDIT UNION (PR)

On XX/XX/2022, I went to buy a vehicle from XXXXXXXX XXXX XXXX XXXX XXXX. The dealership contacted PENFED to file an application for financing. The salesman had calculated the payment using the 6.24 % interest rate that PENFED uses ( at the time ) for clients with low credit risk. PENFED responded with a 7.99 % ( 175 basis points higher ) allegedly because my credit report showed certain flaws. The salesman pointed out that the payment wasnt proportionally much higher. 

A few days later, I received a letter from PENFED that showed a credit score of XXXX from XXXX which is considered excellent, ( the credit bureau company they used ). The payment offered at a higher rate does not seem to be much higher, but the interest accumulated over the life of the loan is ( {$5200.00} estimated by PENFED vs {$3900.00} ; a {$1200.00} difference ). 

I submitted a formal request to correct the interest to the proper rate and was declined because PENFED does not renegotiate loans as you can see in their response uploaded. Their representative said they take other things into consideration, but did not care to point them out. 

This seems to me like a scheme to hook up the client with a published interest rate that will not be honored unless you find out what is going behind the curtain. My XXXX credit score is excellent, I do not have major bills because my house is fully paid, my only two credit cards have XXXX balance and there is nothing else.
Consumer complaint received 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the fair credit Reporting act XXXX  Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-07-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WAKEFIELD & ASSOCIATES, INC. (NJ)

This complaint is against the debt collector company Wakefield and  Associates , Inc., which is a debt collector company, and against XXXX XXXX XXXX XXXX, a company that represents emergency room doctors. Wakefield and Associates has purchased medical debt from XXXX XXXX XXXX XXXX. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I went to the emergency department at XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX, NJ, XXXX. The bill from XX/XX/XXXX is {$480.00}. The bill from XX/XX/XXXX is {$780.00}. The bill from XX/XX/XXXX is {$1100.00}. A total amount of {$2400.00}. Wakefield and Associates , Inc. has stated that each bill is fully my responsibility. 

On each date of service, I presented my insurance card to the hospitals registration specialist. The primary insurance that I had ( for each of the dates of service ) was XXXX XXXX XXXX XXXX. I was a member of XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I have spoken with a XXXX XXXX XXXX representative and he/she has stated that they received a claim from the hospital, however they never received a claim/bill from XXXX XXXX XXXX XXXXXXXX. 

If XXXX XXXX had submitted the claim to my insurance in a timely manner on the dates of service, the cost could have been negotiated lower and my insurance may have paid for some of the cost. As a result of their negligence to file a claim, I am being charged the full non-negotiated prince. Another result of their negligence is that this debt has negatively impacted my credit report and my credit has decreased due to this debt. 

Since it has been more than 180 days since the dates of service, Wakefield and Associates ( debt collector company ) and XXXX XXXX XXXX XXXX ( company that represents doctors ) can not file a claim with XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX should have filed a claim in a timely manner on the dates of service because I presented my insurance information on the dates of service. I should not be responsible for this debt because XXXX XXXXXXXX XXXX  XXXX failed to file a medical claim to my insurance carrier. 

In addition, I called Wakefield and Associates during the month of XX/XX/XXXX. One of their representatives pressured me into creating a payment plan. He/she stated that I currently did not have a warrant out for my arrest, and to prevent a warrant I would have to pay back the debt. I was very frightened ; therefore, I created a monthly payment plan of {$45.00}. On XX/XX/XXXX, {$45.00} was taken out of my XXXX XXXX XXXX debit account. 

During the month of XX/XX/XXXX, I realized that debt collector companies can not threaten a warrant for your arrest due to outstanding debt. I promptly called Wakefield and Associates and I canceled the payment plan. I explained to a representative from Wakefield that I was canceling the payment plan because felt threatened and pressured.