davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have attempted to fix this inaccurate Public Record on several occasions with the bureuas. They claim to have verified it through XXXX XXXX, this can not be true because XXXX XXXX has removed this inaccurate data. The Bureaus have not conducted a real investigation, I have proof of attached of what XXXX XXXX is removing this the bureaus need to follow suite and Stop falsely validating,
Consumer complaint received 2022-06-15
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. (GA)

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : This is not mine. I am a victim of identity theft. Also Under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2. This is not mine. I am a victim of identity theft. Also Under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TN)

Lexis Nexis is a third party vendor who is reporting inaccurate information to credit bureau I demand that you stop reporting inaccurate information on my credit report you have 30 days if this issue is not resolved I am going to file small claims case because this company is in violation of the FCRA. I have contacted the courts and I have a signed document Im not going to provide until it is time to go to court.
Consumer complaint received 2020-11-25
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. (CA)

XXXX. Shows incorrect balance and the account shows incorrect late payments. Acct. Was granted for Financial Forbearance was granted 3-Times. By XXXX XXXX XXXX. Financial Forbearance was granted for XXXX XXXX XXXX XXXX, It's Written in the Lease, No Late Payments and No Missed Payments will Not be Reported to the. credit bureaus, XXXX XXXX XXXX, Reported to all three credit bureaus as 7-9, Late Payments. 
According to the Lease Agreement. When A Financial Forbearance is Granted, All Payments will be Added to Loan and must be paid at the back End of the Loan. 
XXXX XXXX XXXX Also recently added {$750.00} In Collections Added to the Account. 
This is Incorrect info to the car loan. 
{$750.00} is from a old collections XXXX. 
XXXX XXXX XXXX XXXX XXXX. 
On XXXX, XXXX XX/XX/XXXXAcc. Bal = {$12000.00} Loan Amy. = {$12000.00} Collection Acc.Added = {$13000.00} Incorrect Collection Account was added in the amount of {$750.00} This should be Removed. 
This Information was reported by ; XX/XX/XXXX Request Corrections to be made with XX/XX/XXXX
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC (CA)

Radius Global Solutions, a collection company, re-aged an account and reported inaccurate and false information to XXXX and XXXX  credit bureaus which is damaging my credit. 

My research into the issue revealed that the original medical account with XXXX XXXX was dated XX/XX/XXXX, almost a year earlier. XXXX apparently sold the debt to Radius Global Solutions during XXXX. 

Radius Global Solutions reported two different " Date Last Active '' dates, of XX/XX/XXXX to XXXX  and XX/XX/XXXX to XXXX. The two year payment history for this account is blank. 

I do not have knowledge of this account and certainly never consented to or took part in any activity to result in re-aging or any activity to occur during the year XXXX.
Consumer complaint received 2019-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (TX)

Please refer to my earlier CFPB complaints about this bank ( ally bank ) : XXXX XXXX My husband was told by XXXX ( from Loss and Prevention Department XXXX and email XXXX ) that the entire will be taken care of. I had already wasted 45 minutes last week in terms of dealing with them. Another 1 hr 45 minutes yesterday to contact the Loss Prevention department. Yesterday i was told that my husband should be speaking to them-I have no idea what's going on? 
My husband has already spoke to them multiple times and sent numerous emails. 

This bank is very notorious and cheap - very long wait time - around 2 hours some of the time-why not they hire US Workers locally. 
It's not at all clear what needs to be done ... my spouse was told to send {$3200.00} so that account will be closed. He already instructed them via email. 
We had a check of {$830.00} which for more than 2 weeks back was deposited. We have no idea what happened to the check?

Yesterday i received this letter from them to pay them money ... after that myself and spouse are wasting time to reach out to them and on hold of more than 2 hours. This XXXX guy is not available ... if we speak to somebody else ... we get a different story ... this bank is really good for nothing.
Consumer complaint received 2019-04-12
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've called in to both Experian and XXXX to remove alerts and freeze I requested due to my background check coming back as not being mines, because of Experian spelling my name incorrectly as result if a background check from XXXX XXXX. Every time I spoke to different representatives even from another dept. I was asked questions to verify my identity that lead me to wondering if people are opening up credit cards, lines of credit in my name. When I asked the reps if this is showing on my credit, I keep being told that it's not that this infor. is on my credit reports, but, these are the questions they are showing to ask me in order to identify who I am. This made no sense to me ... 
Therefore, please investigate if anyone has open any lines of credit for auto insurance, or any credit cards, any type of accounts for any auto services & purchases. I have never requested or had any vehicles! I have never even applied for a driver 's license to have need to request for any auto insurance. Please, find out if anyone has open a line of credit for any jewelry, property or anything using my identity : name, social security, etc. These questions are being asked for a reason. When I am unable to answer due to not recognizing these companies or this infor. I am told that I am unable to be identified by reps. 
When I tried to go online to take care of them matter myself, I have had problems with being allowed to log in even after creating usernames & passwords. I did get in to XXXX XXXX website, but was suddenly logged back out. Then sent a message the the password I created & got in with, no longer works ... I was trying to removing alert, freezes to apply for a mortgage as a 1st time home buyer, which is my 1st time only doing this. I came across this problem. This is all for this. I believe that all of the cases I have had to report are connected to " politics '' being done against me due to retoliaton of putting my daughter 's college under investigation for suspecting fraud with loans ... ( I do choose my battles- if red shirt, please believe me. ) I have had to report to the EEOC as well. 
Thank you XXXX XXXX
Consumer complaint received 2022-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CO)

I have received 4 phone calls from Sequim Asst SO at their phone number XXXX I have asked them to stop calling me. 
They have my name, but will not give me any information about who they are or what they want. My credit score is around XXXX and I have no unpaid debt. 
Please help me!
Consumer complaint received 2022-09-11
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. (IL)

Good day, I XXXX XXXX, have come to the conclusion regarding my three consumer credit reports have been compromised in terms of my identity. Across XXXX, Experian XXXX XXXX there is fraudulent inquiries posted that I have attached in an attached documentation along with an auto loan that is tied to my name and an address that I have no association with. This has caused me great emotional, financial, and mental distress as this is inaccurate and in factual as I was XXXX XXXXXXXX so it is impossible for me to have taken out a loan for an auto loan. Upon my investigation and research it appears to be I was added to this account I am not the primary holder which explains that the thieves who compromised my identity used me in order to acquire this auto loan. To my understanding I did not offer consent to use my credit in the attached documentation for this auto loan or apply for any applications of credit for the attached inquiries. The Credit Bureaus have neglected to look into this matter so I am reaching out to the CFPB to get these fraudulent matters removed from my credit report as to not cause me any more harm and distress as I have already been through enough.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

This morning, I was completely taken aback to see wrong accounts on my credit report, with no explanation for how they appeared. I check my report routinely, but this time, I was met with discrepancies out of the blue. I tried refreshing my browser, thinking it could be a technical glitch, but the errors didnt go away. The inaccurate accounts were still there after refreshing. Im requesting a detailed review of my submitted documents to ensure I never have to stress over this again.
Consumer complaint received 2024-10-16
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. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-12
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)

I recently disputed credit reporting of an account on my credit report with Equifax. I received a response from Equifax and the data remains incorrect. 

I have attached Equifax response, confirmation # XXXX dated XX/XX/XXXX. 

I am disputing the recorded date of first delinquency reported on my Equifax Credit Report for XXXX XXXX Account # XXXX. 

Statement of Facts : My Equifax Credit Report contains two mortgages : XXXX # XXXX and XXXX XXXX # XXXX. 

The First Date of Delinquency is recorded as follows : XXXX XX/XX/XXXX and XXXX is XX/XX/XXXX. 

The information provided for XXXX is correct, the first date of delinquency is indeed XX/XX/XXXX. In Equifax response to my complaint, they provide detailed month by month delinquency from XX/XX/XXXX thru XX/XX/XXXX. This mortgage stop reporting to Equifax in XX/XX/XXXX because it was transferred/sold to XXXX XXXX. 
I have included a copy of the transfer deed in this complaint to record the actual transfer of the mortgage. 
What remains incorrect is the reporting of XXXX XXXX as the date of first delinquency as XX/XX/XXXX. This is the same mortgage as XXXX, it was simply transferred to them in XX/XX/XXXX. 
The Fair Credit Reporting Act ( FCRA ) defines the Date of First Delinquency ( DOFD ) as the date a consumer first becomes 30 days late, and never brings the account current. 
This account were never brought back to current from the original first date of delinquency reported by XXXX ( XX/XX/XXXX ). A simple review of the payment history on my Equifax report shows this information. 
According to the Fair Credit Reporting Act 's Furnisher Rule in the Fair Credit Reporting Act, lenders shall prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers. 
Based on this information, the XXXX Account should be reporting the date of first delinquency as XX/XX/XXXX to match the XXXX Account. I have attached documents supporting this information to this complaint.
Consumer complaint received 2019-01-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery has been harassing me for many years. I did not know I had rights and that they have been violating them. First they call from multiple numbers. 
( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX are just a few of the numbers that they call me from. They have threatened to sue me. They have threatened to serve me papers at my job on XX/XX/2018 at XXXX XXXX. Many of calls are robo calls including call on XX/XX/18 XXXX XXXX ,XX/XX/2018 at XXXX XXXX, XX/XX/18 at XXXX XXXX, XX/XX/18 XXXX XXXX. I have asked them to stop calling me. I am on the do not call registry. I have never given consent for them to call. Every time I tell them to stop calling, they call from a different number! They have never provided me with any proof that I owe them money or proof of the original debt owner.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

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

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of th notice. I LOOK FORWARD TO YOUR RESPONSE.
Consumer complaint received 2020-11-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX  data breach and might have got to the hands of the wrong people.
Consumer complaint received 2019-01-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BMW Financial Services NA, LLC (PA)

I just buy a BMW at bmw dealer, weh have finance with bmw finance, i know they help to get the car, they are very good sales and manager was nice we us, we just ask to have better interest rate on the loan because we trade a XXXX XXXX XXXX XXXX with less than 11,000 miles, almost new..we ask for more on trade.by the can't get more for the trade.we said ok so give me a better interest since we have 1,9 percent with XXXX XXXX in the XXXX..i was not expecting the same rate but better than 7,9 that we get we ask they said is the best we can do..i believe they can do better since we never miss a payment on my mortgage or on the car loan.also my husband and i we have a total income for about 80,000 a year. also we put XXXX dollar down.
Consumer complaint received 2022-07-22
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. (NY)

I have reached out to the credit bureaus, and they said that they verified the information from my credit report during their investigation. But how is that possible when the last date active was incorrect, the account type is also inaccurate. This is definitely grounds for removal, which they have violated my rights under 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 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Former 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 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
Consumer complaint received 2019-04-10
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 (TN)

XXXX XX/XX/2019 I ordered a 10 '' Full Touch Screen Dual lens Mirror Dash Cam for teenager car from XXXX XXXX. I received a cheaper 4.3 '' unit with single lens on XX/XX/2019. I immediately contacted the merchant by email on XX/XX/2019 and then again on XX/XX/2019 that the wrong unit was sent. I never received a response. I contacted CaptialOne once I was not going to have a resolution from merchant. I received a letter this week from CapitalOne that they are charging me back again for this wrong unit sent. They are considering the case closed now. It has been three months since the initial order. CapitalOne is not standing by their fraud prevention protection for their customer. This is clearly a bait and switch case. 
Case # XXXX with CapitalOne. At this point I want my {$59.00} returned to me as I received a bogus product.
Consumer complaint received 2022-09-20
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. (PA)

Transunion has furnised 2 accounts on my credit report that have been stoping me and my children from purchasing a home. I have called Transunion 5 days in a row and they refuse to remove the items from my consumer report. I contacted the CEO and have attached a copy of the email I sent to him. Transunion is in violation of Permissible purpose of consumner reports. I did not give them written instruction to furnish these accounts on my consumer report. Please assist me and having these items removed from my report so that my children and I may purchase a home.