davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-08-22
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. (NC)

First and foremost i have been dealing with this issue for months now as while as numerous other problems with this company TransUnion have horrible customer service I have spoken with numerous of different customer service representative and supervisors with in this company and they all give me the same exact step to take in order to get these fraudulently items off. I have not apply for any of this items they say the investigated and I came back accurate once I fill a complaint but they have not provide with any results of an investigation. Tell these places to prove proof of identity that it like a copy of State identification card that is required in order to apply for any line of credit please conduct a proper investigate or remove theses fraudulent inquires!!! Then the response time always take more than XXXX days very horrible customer service I have reached out to TransUnion numerous times about this issue I was talked to very rudely and i told to take these steps a second time by a supervisor within the company I have been a victim of fraud someone has been trying to open up accounts with my information I have listed the ideas below please help me resolve this issue once and for all : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account XXXX : XXXX XXXX days late in XX/XX/XXXX. 
. 
XXXX. XXXX Account XXXX : XXXX XXXX days late in XX/XX/XXXX and XX/XX/XXXX. 

XXXX. XXXX Account XXXX : XXXX XXXX days late in XX/XX/XXXX.
Consumer complaint received 2022-08-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  days late.
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

XX/XX/XXXX XXXX Investigation [ File # XXXX ] DELETED XXXX XXXX {$280.00} collection [ Helvey & Assoc ] from my credit report. 

XX/XX/XXXX XXXX XXXX, I called XXXX XXXX Customer Service to request they update records with all 3 major credit bureaus and delete collection account. XXXX XXXX responded on XX/XX/XXXX with fraudulent, deceptive practices by creating and reporting a new collection account reflected on my XX/XX/XXXX credit report as : Date Updated XX/XX/XXXX Remarks >PLACED FOR COLLECTION< ONLINE INFORMATION SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX COLLECTION AGENCY Past Due >Collection< High Balance {$280.00} Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Estimated item will be removed XXXX/XXXX XXXX XXXX records should reflect current, accurate account information. Since XXXX, XXXX XXXX 's unfair, deceptive and abusive practices have : i. ) adversely impacted my credit report, ii. ) severlely impaired my ability to obtain funding, iii. ) declined my credit score XXXX points, iv. ) resulted in higher credit rates, v. ) caused reputational harm to my livelihood as a licensed financial professional.
Consumer complaint received 2022-08-22
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Holding Company, Inc. (FL)

I took out a {$6000.00} personal loan with Avant on XXXX XXXX. Therefore it has been approximately 6 years and 8 months since the origination date. 

During the time, Ive encountered numerous financial difficulties. At times, payments were missed or I was set up on a payment plan. However I have been current on this loan now for many years despite these struggles. 

To date, I have paid {$9900.00} to Avant for this {$6000.00} loan. At this time, only {$840.00} has been paid towards principle., meaning I have over {$5100.00} in principle only to pay off on this loan according to them. 

While I understand at times I have been on a payment plan, or pushed payments to the end of the loan, I have still paid {$3900.00} in excess over and above what was lent out to me. Avant- has made a profit on my loan. 

With these extensions and payment plans, it is not clear at all how I can still owe this much remaining on the loan. There is nothing clearly spelled out saying so in my loan documents. At best it is confusing, at worst it is deceptive.
Consumer complaint received 2022-08-22
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-03-10
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. (GA)

This is my second time addressing this issue with Equifax and XXXX through the CFPB. The charged off account known as Department of Ed XXXX XXXX has multiple inaccuracies. 

1. No last payment dates ( How can you verify if account was to be charged off with no last date of payment? Charge offs are implemented after 120 days of no payments from the last payment date ) 2. They were also reporting 90-days late within the time span of 30 days. ( Blatant inaccuracy ) XXXX. In XX/XX/2018 account is reporting as current and in good standing ; then in XX/XX/2018, ( the very next month ) account reports as 90 days late. ( NOT POSSIBLE ) THIS IS A VIOLATION! 
3. There were multiple times where I wrote these agencies and received no response at all and they continue to this day, reporting this negative, erroneous account. 


My rights have been violated for several years. 

According to FCRA Section 623 ( a ) ( 1 ) ( C ), and I quote in part " A credit reporting agency CAN NOT UNDER ANY CIRCUMSTANCES, REPORT ANY INFORMATION THE CONSUMER HAS TOLD YOU IS INACCURATE IF IT IS, IN FACT, INACCURATE. '' In my previous dispute I attached the undeniable proof of INACCURATE CREDIT REPORTING, yet even after notification via repeated letters to each agency and the CFPB, EQUIFAX AND XXXX continue to report this account.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

on XX/XX/XXXX I logged into citi.com and paid my credit card balance in full as I do every month. On XX/XX/XXXX, after logging into my checking account I learned someone had hacked into my account and wiped my checking account out, as a result, a security closure was done to protect my account from further ID theft. A day later XX/XX/XXXX CITI finally presented my payment scheduled for XX/XX/XXXX to my bank, but the account I scheduled the payment from the week prior was already closed and the new account had been generated already. 

During that time I made several calls to CITI to discuss disputed payments on my account and no one bothered to notify me my account had/or would be closed, or that my payment had been returned. 

By closing the account, CITI also removed the XXXX XXXXXXXX reward certificate I had earned from the previous year 's spend. 

As I had never been late with my payment and never missed a payment, closing my account without notice, based on the resulting account closure of my checking account due to Identity Theft seems extremely uncalled for, irregular, and seriously deceptive practice. 

Citi is also required to provide me with written notice of their adverse actions closing my account. However, I have not received any letters regarding the account closure, and none are shown in my online document center, which is where they should all show up as I am setup for paperless documents, billing, and statements.
Consumer complaint received 2022-08-22
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. (MD)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX - Account # XXXX - Amount {$5900.00} XXXX - Account # XXXX - Amount {$0.00} XXXX XXXX  - Account # XXXX - Amount {$0.00} XXXX XXXX - Account # XXXX - Amount {$0.00} XXXX Bank XXXX Account # XXXX - Amount {$0.00} XXXX - Account # XXXX - Amount {$1500.00} XXXX XXXX- Account # XXXX - Amount {$0.00} XXXX XXXX XXXX XXXX Account XXXX XXXX - Amount {$0.00} XXXX XXXX XXXX XXXX Account XXXX XXXX - Amount {$0.00} XXXX Account # XXXX - Amount {$0.00} DEPTEDXXXX - Account # XXXX - Amount {$8200.00} DEPTEDXXXX XXXX Account # XXXX - Amount {$3500.00} DEPTEDXXXX - Account # XXXX - Amount {$8600.00} DEPTEDXXXX - Account # XXXX - Amount {$3900.00} USDOEXXXX - Account # XXXX - Amount {$0.00} has violated my rights. 

15 U.S.C 1681 section 604 A, states I have rights 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 2022-08-22
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. (MD)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX - Account # XXXX - Amount {$5900.00} XXXX - Account # XXXX - Amount {$0.00} XXXX XXXX  - Account # XXXX - Amount {$0.00} XXXX XXXX - Account # XXXX - Amount {$0.00} XXXX Bank XXXX Account # XXXX - Amount {$0.00} XXXX - Account # XXXX - Amount {$1500.00} XXXX XXXX- Account # XXXX - Amount {$0.00} XXXX XXXX XXXX XXXX Account XXXX XXXX - Amount {$0.00} XXXX XXXX XXXX XXXX Account XXXX XXXX - Amount {$0.00} XXXX Account # XXXX - Amount {$0.00} DEPTEDXXXX - Account # XXXX - Amount {$8200.00} DEPTEDXXXX XXXX Account # XXXX - Amount {$3500.00} DEPTEDXXXX - Account # XXXX - Amount {$8600.00} DEPTEDXXXX - Account # XXXX - Amount {$3900.00} USDOE/XXXXXXXX  - Account # XXXX - Amount {$0.00} has violated my rights. 

15 U.S.C 1681 section 604 A, states I have rights 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 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The IRS Clearly defined a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT! 
BY Definition The IRS Clearly says a Canceled or Charge Off is Income. The reporting of this account as debt is inaccurate. 
After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXX XXXXXXXX XXXX + XXXX As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-08-22
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-22
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. (MI)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-22
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. (MI)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-03-10
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. (IN)

I am not sure of these accounts with XXXX XXXX XXXX XXXX, XXXX, XXXX. These accounts are unfamiliar to me and I don't remember having any agreement with them. These were reported in TRANSUNION so I believed TRANSUNION was not able to investigate these accounts promptly. Please supply any signed agreement with this company.
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NJ)

I recently changed my checking account to pay for the regular monthly payment to American Express. However, an assailant or a criminal overdrafted a {$130.00} payment from my XXXX account to American Express. They caused me to overdraft the XXXX checking account. I think that someone at American Express, illegally, went online and accepted a payment of almost {$300.00} to ruin my checking account. Basically, they went online at American Express and authorized a large payment so that they would continue to ruin my account at XXXX and American Express. I was supposed to be in a payment plan at American Express and my normal payments would not go over {$40.00} per month.
Consumer complaint received 2022-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$6200.00} ( Account in Collection/Charge off please delete ) Account Name : XXXX XXXX  Account # XXXX PAST DUE BALANCE OF $ {$1100.00} ( Account in Collection/Charge off please delete ) Account Name : XXXX  Account : XXXX PAST DUE BALANCE : {$1100.00} ( Account in Collection/Charge off please delete ) This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANNCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my second time addressing this issue with XXXX and Transunion through the CFPB. The charged off account known as Department of Ed XXXX XXXX has multiple inaccuracies. 

1. No last payment dates ( How can you verify if account was to be charged off with no last date of payment? Charge offs are implemented after 120 days of no payments from the last payment date ) 2. They were also reporting 90-days late within the time span of 30 days. ( Blatant inaccuracy ) XXXX. In XX/XX/2018 account is reporting as current and in good standing ; then in XX/XX/2018, ( the very next month ) account reports as 90 days late. ( NOT POSSIBLE ) THIS IS A VIOLATION! 
3. There were multiple times where I wrote these agencies and received no response at all and they continue to this day, reporting this negative, erroneous account. 


My rights have been violated for several years. 

According to FCRA Section 623 ( a ) ( 1 ) ( C ), and I quote in part " A credit reporting agency CAN NOT UNDER ANY CIRCUMSTANCES, REPORT ANY INFORMATION THE CONSUMER HAS TOLD YOU IS INACCURATE IF IT IS, IN FACT, INACCURATE. '' In my previous dispute I attached the undeniable proof of INACCURATE CREDIT REPORTING, yet even after notification via repeated letters to each agency and the CFPB, XXXX AND TRANSUNION continue to report this account.