davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-29
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. (TX)

I am writing this complaint in reference to XXXX account ending in XXXX, with a remaining balance of {$0.00} ; which was satisfied on XX/XX/XXXX with the agency that the account was sold to, XXXX XXXX XXXX XXXX. My complaint is with Transunion as I have disputed the incorrect information with them several times within this past year and they do absolutely nothing to correct and remove the negative tradeline per FCRA guidelines. Also, instead of following applicable Federal FCRA laws and removing the account due to multiple reporting inaccuracies, Transunion takes my dispute and sends to XXXX, who in turn does absolutely nothing. I as the law abiding consumer get left holding the bag for interconnected oligarchs that commit financial crimes as usual. Lenders and finance companies that I apply to deny me funding due to the negative collection account that XXXX reports to Transunion. In addition, XXXX has written this account off on their taxes shortly after the year XXXX, sold the account to another agency that I paid off, yet falsely represents this account as themselves being the debt owner. Transunion reports no historical data on this negative tradeline. The comments section states, " no payments have been reported on this account ''. How can Transunion report a chargeoff account on my credit file with no historical data that leads up to a chargeoff status? How can you report an account as a chargeoff with no payment history of late payments reported? How can you determine a chargeoff period if their is no missed or late payments that have been reported that verify your credit entry claims? I disputed this with Transunion over 4 times since XXXX of XXXX. They never truly investigate my dispute, they use the E-Oscar computer program that sends back false information about how a human " did not '' conduct a true investigation into my dispute ; This is a FCRA " Metro 2 '' Compliance violation. Date of last Activity is XX/XX/XXXX yet Transunion reports this information as XXXX of XXXX, which is incorrect and another compliance violation. The text in the comments section state that this account was sold to another lender, yet they do not list who the lender is which is, along with monthly payment amount, late payments, terms, company sold to :, and original creditor, which compounds multiple FCRA metro 2 violations. They are not only hurting my credit file but they're also breaking consumer laws with no justification for doing so and have not given any explanation for doing so until this day of XX/XX/XXXX. All relevant documents that prove my claim have been attached to this complaint. I need this account removed from my Transunion credit file immediately upon receipt of this complaint due to multiple FCRA violations including incorrect, incomplete credit entries, and making false representations of historical credit data.
Consumer complaint received 2021-05-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NC)

I sent to this company a letter after calling them for about 3 hours, when you call the company they tell you that they have limited staff because of the covid. I have been working on my credit for about 4 months, I had advised the credit bureau that I had no knowledge of this company or this bill that they were collecting for. The credit bureau took it off of my credit report. Checking on XX/XX/2021, I found this company back on my with a different number and now the company has me owing 3 times as much. When I originally contacted the credit bureau 's I asked them for the original paperwork that had my signature listed on it and the status. If it was my debt I would have paid it off, but the credit bureau 's took the company or shall I said the company who bought my supposedly account. Midland Funding who bought my account had an attorney 's office collecting it for them. When looking at my credit report on the XXXX, I was fabregessed and sent to the floor. When I saw what Midland Funding and XXXX XXXX XXXX had done to me. Even today today is the XXXX of XXXX and I called and XXXX XXXX XXXX a couple of times today and still no answer trying to get in touch with these people. As I stated earlier in this I was on the floor, from such a blatant lie. I could not believe this, all they had to do was show me the original paperwork and this all could have been taken care of.
Consumer complaint received 2019-09-19
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)

I have disputed the Account ( XXXX XXXX XXXX ) with Experian ( In Writing and Certified Mailed ) as Unverified / The account does not belong to me and I have no knowledge of this account. I requested verifiable proof of the original consumer contract with my signature on it that they have on file. I have not been provided any documents or verifiable proof of this account ( XXXX XXXX XXXX ) belongs to me. I have only been informed the account was verified. I request to know " Who Verified this account and I request verifiable Proof of the original consumer contract with my signature on it that Experian has on file. '' Under the FCRA all unverified accounts must be removed ; if Experian is unable to provide me a copy of verifiable proof if must be removed from my credit profile. This item remains on my report. Experian has NOT provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ). I request original consumer contract with my signature or remove this item from my credit profile.
Consumer complaint received 2021-12-15
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)

FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I DO NOT VALIDATE THIS DEBT
Consumer complaint received 2021-05-21
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. (CA)

I contacted XXXX XXXX XXXX today XX/XX/XXXX about a balance of {$1300.00} that is reporting on XXXX and Experian. I spoke with a representative by the name of XXXX who refused payment and stated, The account was sold on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX because we didnt get our money. I asked XXXX why it is still being reported by XXXX XXXX if it was sold and she said she doesnt know, it shouldnt still be reported by XXXX XXXX XXXX and that I could dispute the information with the credit bureaus. I have sent multiple disputes via XXXX Experian and XXXX XXXX but it keeps coming back verified.This is a direct violation of my rights as a consumer. Per the FCRA, if an account was sold to a collection agency the original creditor should no longer be reporting the balance. I am requesting this account be removed immediately or I will take legal action.
Consumer complaint received 2022-10-18
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. (NC)

This is my several 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 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 2019-09-18
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX  REFUSED TO CORRECT MY CREDIT REPORT AFTER I PRESENTED THEM WITH AN ID THEFT REPORT, POLICE REPORT AND ID THEFT AFFIDAVIT. THE DISPUTE HAS BEEN GOING ON OVER 30 DAYS, SINCE THE DAY I FAXED THEM THE INFORMATION. THEY STARTED THE DISPUTE ON XXXX XXXX, EVEN THOUGH I SUBMITTED MY DISPUTE IN MID XXXX. THRY HAVE RECEIVED THE PROPER DOCUMENTATION AND STILL REFUSE TO CORRECT THE PROBLEM. THE FOLLOWING ACCOUNTS DOES NOT BELONG TO ME : CAPITAL ONE AUTO FINANCE AMT. XXXX, XXXX OPENED : XX/XX/XXXX CAPITAL ONE BANK, XXXX AMT. XXXX OPENED : XX/XX/XXXX XXXX XXXXI AMT. XXXX OPENED : XXXX XXXX I ALSO HAVE FRAUDULENT INQUIRIES WHICH THE HAVE REFUSED TO MOVE.
Consumer complaint received 2021-05-28
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. (MA)

Experian stated in response to my dispute that in some dispute a change can be made without contacting the furnisher or vendor. Experian as you have requested I have provided additional supporting proof documentation directly from my XX/XX/XXXXBack checking account clearly showing payment made via automatic payment to XXXX XXXX XXXX account ending in XXXX XX/XX/2020 in the amount of {$410.00} dollars. I have attached proof supporting documentation from my XXXX XXXX  account showing payment made and received on time. You can clearly see from the supporting proof documentation that the payment was made and received on time for XX/XX/2020. I request that Experian review the additional supporting documentation I have attached. 


CFPB I ask that as the governing agency that you hold have Experian uphold the FCRA requirements in regards the additional supporting documentation I have provided to Experian. This additional supporting documentation clearly show my payment made to XXXX XXXX XXXX via automatic payment received on time for the month of XX/XX/2020.
Consumer complaint received 2021-10-18
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: Bread Financial Holdings, Inc. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The 3 Credit Bureaus are reporting inaccurate information on CB/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-05-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (IN)

On or about I called my lien holder Santander and tried to begin or arrange some sort of payment plan because I was falling behind, although they never one time sent a letter of notification of my account being in default and the person on the phone was trying to tell me she was attempting to collect a debt that whole thing with me XXXX this is not a debt collector agency it cant legally charge off the debt and then use it as a loss to their shareholders like I was informed then on several streaming to timely update the major credit reporting bureaus they made huge and potentially very violation and deceptive acts such as making my account as closed and charged off as a loss but they cant sell the debt to themselves because they are as federal law can adjudicate because I also never regret one collection letter to the matter of default or notification to collect because legally they can have the thought that they can identify as. A debt collector and thst bought the debt even not after 180 days to legally fault and anyway they reported on a different report that my account last payment was in XXXX when the other agencies had charged off the entire debt and used as a loss to the shareholders so they also never once made a collection call of sent notice so I could dispute snd also verify the value of the debt so they just came and actually legally had legal documents to take my car they never did one Indiana law to legitimize the repossession of my vehicle because they did not sell the debt in i order to collect my property especially if my other credit report Is showing the balance Id accruing interest after it was charged off because the difference in the charge off amount and the fact the are not reporting that payments I did make after my charge off
Consumer complaint received 2022-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AZ)

Called on XX/XX/2022 for a partial refund of {$20000.00} on my paid off student loan under the CARES act as this payment was made in XX/XX/2022. I was told my request was submitted. I called back on XX/XX/2022 asking for an update and have been told that it has been sent to the Department of Education. There has been no update in the XXXX weeks since I submitted my request
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (TX)

On Tuesday, XX/XX/2023, I received an email from XXXX XXXX Transaction Trust Account informing me that my appeal on the previous denial of purchase protection of a lost item, claim # XXXX was denied. The reason they provided was that " facts regarding the exact location of loss at the venue are unknown, '' and don't meet their definition of lost : " Involuntary and accidental parting with property means the unintended separation from an item of personal property in which the item 's location is known but recovery is impractical to complete. '' There reasoning makes no sense as the items location is known, the venue I attended, and recovery is impractical as it required searching through all the venue 's garbage.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am XXXX XXXX, a woman and a consumer who is a victim of identity theft. Someone has stolen and compromised my identifying information causing my credit standing to be damaged. My credit reports with Trans Union, XXXX, and XXXX have all been compromised due to the theft, and there are accounts being reported that include negative information as a result of the ID Theft. The accounts are : XXXX XXXX amount : {$10000.00}, XXXX XXXX amount : {$18000.00}, XXXX XXXX amount : {$17000.00}, and XXXX amount : {$1300.00}. I have filed an identity theft report and seeking remedy for the compromised accounts to be permanently deleted from my credit reports from all three credit reporting agencies. I need these accounts to be blocked, deleted, and removed from my credit report within 4 business days as required under FCRA Section 605B. I do not known anything about the crime or the suspect. I just want my credit standing restored. Please see my attached documents.
Consumer complaint received 2022-10-18
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. (CA)

In accordance with the Fair Credit Reporting act 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 2021-09-03
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. (IL)

I have contacted the company to pick up the car since the start of car buying overcharged XXXX per month in interest also credit bureau payoff and principal balance are all three different amounts. Payoff is a markup of {$300.00} from principal balance owed. XXXX has offer a fair selling price offer included in this complaint. I have had the car for two Years only paid {$2000.00} in principal. Not sensitive to the pandemic
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. (TX)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed I file a dispute in regard to incorrect items on my credit report it has been well over 30 days and I've not receive any investigation results.15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2021-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (UT)

I stopped the application before it processed but a Victoria 's Secret employee tried to convince me to apply for their " rewards card '' and lied repeatedly to me, insisting it was not a credit card ( and when I asked " so it's not a credit card '' she told me no, not at all ). When the system asked for my SSN and the top said " Victoria 's Secret Credit Card '', I told her " But this says it's a credit card '' and she replied " Oh it just says that but it's not '' then her co-worker stepped in to say it actually is a credit card. 

Had I not been vigilant, only spoke broken English, was naive, or uneducated, I could have been deceived into applying, only to have my credit hurt by the new account and a new inquiry. I'm also getting ready to apply for a house and something like this could have stopped my application from getting approved. I feel if I were disadvantaged, this would have been very unfair, and at best it was a very deceptive act. I'm concerned about those who have actually fallen for this illegal tactic.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I previously disputed the inaccurate accounts that are in my credit report last XX/XX/2021 but to no avail the credit reporting agencies did not fix my problem nor did they investigated or gave me a response. On top of that, they did not verify if the accounts they are reporting are even right! I know that they should be reporting with maximum accuracy but they are clearly not and it's hurting my credit score big time. Please help me resolve this with them as I am losing my patience and I don't know what else to do.
Consumer complaint received 2021-05-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Berlin-Wheeler, Inc. (Kansas) (NV)

I got my credit report recently and found this collection agency Berling Wheeler Inc report on my credit report for XXXX Cable Bill in the amount of {$380.00} The account # XXXX and was opened on XX/XX/2020 for two months. The address on the account was for service provided in XXXX XXXX XXXX , XXXX XXXX, LA XXXX. As of today, I have never been to XXXX XXXX, LA in my entire life. I am also a value customer for both my business and home services with XXXX, I do not have a bill in that amount from XX/XX/2020. Please remove this from my Credit Report ASAP.
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2022.