davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Yamaha Motor Finance Corporation USA (MO)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 and purpose.
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-19
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. (OH)

The following is a list of disputes on my report that was ot resolved as per the FCRA. 
1. XXXX XXXX XXXX XXXX - Account number XXXX Reason # XXXX : Terms is reporting incorrecly as 89 months, which it is suppose to be 72 months. 
Reason # 2 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 

2. XXXX XXXX XXXX XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Monthly payment is being reported as {$0.00}, but if that is the case then the late apyments needs to be removed or the account needs to be removed from credit report. 

3. XXXX XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Account type is " Cell phone '' which according to FCRA does not constitutes as a reporting item on your report. 
Reason XXXX # : the previous disputed listed the account marked as a collection on XX/XX/XXXX, but the updated dispute list the account marked as collection on XX/XX/XXXX. Both errors violate FCRA and needs to be removed. 

4. XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : the account is be reported as " charge off '' on XX/XX/XXXX. How is an account that was paid off before XX/XX/XXXX considered a " charge off ''? 

5. XXXX XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Recent payments is marked as " {$0.00} '' would is accurate if I have been making my monthyl payment of {$410.00}. 

6. XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Account type shows " charge card '' when ti should be " credit card ''. This error has been ongoing for 4 years. 

Typiclly, I try and handle things with the CRA themselves, but Experian has been difficult and given me a difficult time regarding these errors. Accounts needs to be delted for continuous inaccurate reporting. 

I have exhausted so muh MONEY and TIME in the process. I have mailed dispute after dispute, pointing out the inacuarcies and adding new information to substantiate my claim and have been giving the " run around ''. That time stops now. And this needs to be removed.
Consumer complaint received 2021-09-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Sentry Recovery and Collections, Inc. (AZ)

I received copies of a writ of garnishment from my employer. A few years ago I received a letter stating I owed a debt from a company I had never heard of to my current address in XXXX  and nothing else since until these copies, which came from my employer and the address for me on the court case is my old one in XXXX. The court case has already been held with out me having any knowledge of it. The debt is now at XXXX where the original debt was XXXX. I believe sentry recovery and collections intentionally used my old address to get a default in court.
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I discovered XXXX XXXX XXXX # XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification or validation of this debt after disputing it. Please delete this item immediately for its a violation under the FCRA. ( See attached documents proving that the debt was deleted after disputing ).
Consumer complaint received 2019-05-03
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. (TX)

I am a victim of Identity theft, I sent a letter to Equifax requiring them the block the hard inquiries and Collections from my Account within 4 days, I sent the 605B form along with all the other required documents. Equifax has refused to comply. After calling them over 15 times I have gotten multiple conflicting information from different supervisors in the fraud dept.
Consumer complaint received 2022-11-20
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. (LA)

Equifax is not taking the proper time to investigate disputes. For example i submitted a dispute on XX/XX/2022 and results came back the same day
Consumer complaint received 2019-05-04
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I was away on military duty, and had no way to pay my cards. They marked me late those 3 months, as soon as i returned, i paid it off completely. Per soldiers and sailors act, they aren't suppose to charge me as late.
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just checked my credit report and find it very misleading that while I've been involved in this 'situation ' with one of my mortgage, that it is now listed as 3 negative entries instead of one. This occurred when XXXX XXXX XXXX transferred the loan to XXXX and they then transferred it to XXXX, it's one 'situation ' and thus should be one entry, not 3 negative entries.
Consumer complaint received 2023-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (NY)

On XX/XX/XXXX, I initiated my most recent dispute by sending a certified mail to LVNV FUNDING LLC. In this communication, I requested thorough verification of the debt, including but not limited to the original contract bearing my signature. Regrettably, I have not received any response from LVNV FUNDING LLC containing the requested documentation, nor have I received the 1099-C form. I also explicitly asked that they cease collection activities on this debt while the verification process is underway. 

Prior to this, on XX/XX/XXXX, I sent a certified letter to LVNV FUNDING LLC requesting the original contract pertaining to this debt. It is important to note that the original debt in question does not appear on my credit report, further necessitating clarification. However, my request for the original contract went unanswered, and the response I received merely stated that the debt had been " verified '' without providing any supporting documents. 

Additionally, on XX/XX/XXXX, I communicated with all three major credit bureaus to dispute the inclusion of the LVNV FUNDING LLC account on my credit report. I asserted that this account did not belong to me and requested its removal. Despite these efforts, the LVNV FUNDING LLC collection account continues to be reported by XXXX and XXXX. 

Then today XX/XX/XXXX I received a certified letter from the sheriffs department demanding payment. 

I have undertaken these actions in good faith to resolve the matter and ensure the accuracy of my credit report. It is my sincere hope that the Consumer Financial Protection Bureau ( CFPB ) can facilitate a thorough investigation into this dispute to ascertain the validity of the LVNV FUNDING LLC collection entry on my credit report. I urge your prompt attention to this matter as it significantly impacts my financial standing. 

Please do not hesitate to reach out if additional information or documentation is required to facilitate this investigation. I appreciate your assistance in resolving this matter and look forward to a prompt resolution.
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello! 

The credit bureaus have responded that I must verify my identity but I have been calling countless times for them to explain to me in more detail how I should proceed and they leave me several minutes on the line waiting and they do not answer me. They are affecting my credit with erroneous information and on top of that they play with my time making me wait and then not solve anything. I want them to immediately open an investigation with my disputes since it has only been me who has been sending letters.
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2019-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

XX/XX/2017 BANK OF AMERICA - I was a victim of a check fraud scam ( from a guy I went to High School with, told me he registered for college in Florida and then moved to XXXX, XXXX and that they college would not send the check there, he needed someone to accept the check and pay his XXXX account ). ( I wasn't working many hours, and needed the extra {$100.00} he was going to let me keep out of the check amount, thus I fell for this scam ) and they will not remove the red flag they have put onto my name. I wrote them, with full description of what happened, the persons name of whom scammed me ..and they sent the rejection letter to my old address and were rude about getting me a copy of the letter after not looking into it. They received my letter and within 1 day refused and rejected my request without explanation.
Consumer complaint received 2019-05-03
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. (CO)

I have previously filed a CFPB regarding XXXX XXXX and it was resolved to my satisfaction. However, XXXX  ; Experian and XXXX are not removing this negative item and it is harming my credit score. ( Please see pages 17 and 18 of the attached credit report. ) Therefore, I am filing a new complaint against XXXX ; Experian and XXXX because I have tried to fix this issue with them, but they are still reporting the late payments.
Consumer complaint received 2019-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc. (IL)

It looks like a bunch of car dealerships pulled my credit report which was not authorized. I have a new car that I bought two years ago and I am not and will not be looking for a new car anytime soon. This was done without my authorization and obviously constitutes fraud
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (CT)

LexisNexis has been negligent, harmful and careless causing harm to this victim. 
LexisNexis was negligent and careless when it reported untrue, inaccurate derogatory information to an insurance company causing astronomical premium rate increases. The negligent reporting by LexisNexis has caused irreparable harm to me, the victim. 

The false derogatory information provided to XXXX XXXX is identified as Reason code XXXX on attachment 1 falsely, with negligence reporting negative public records, delinquencies or collections Attachments ( 3 ) are Summary Credit Reports supporting my " Excellent '' Credit record with no public records, delinquencies or collections
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Consumer complaint received 2020-12-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (AL)

This company put a collection on my credit report which has already been removed and has a police report attached to it for the result of identity theft. This company is claiming I owe a amount of {$910.00}. This company is not the originator of the proclaimed debt. By law this debt collector is breaking the law by attempting to collect a debt that they did not originate
Consumer complaint received 2022-05-15
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. (IL)

I am a victim of identity theft. XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, DEPTEDXXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Consumer complaint received 2023-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

Payments made to Nelnet are not being processed nor is the amount owed being updated to reflect the payment. Their own policy states this will be completed within 48 hours. Its been over a week, and the payment is processing. Cant get anyone to answer a call, Ive been on hold for almost 3 hours.
Consumer complaint received 2021-09-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

1. I received an Offer from Capital One Bank through their website for a Pre-approved Auto Loan called " Capital One Auto Navigator '' on XX/XX/2021. Pre-approval Letter reference No. XXXX attached herewith. 

2. According to the pre-approval letter, I started my shopping for a Car within the sales price Range mentioned in the letter. Also, I received a follow-ups email from Capital One saying that the Pre-approval is as easy as 1,2,3 steps. Follow up email attached herewith.

3. After visiting few Dealers, to my dismay, I found that this so called Pre-approval Letter is nothing but a faux to make the Customers walk into a Dealership for Car purchase.

4. One of my earlier inquiry with an Auto Dealer XXXXXXXX  XXXX  made through the Capital One Auto Navigator website made me realize the nexus between these so called Unscrupulous Financers and the Auto Dealers was infact a game to trap gullible Customers by making them apply for an Auto loan through these financer 's favorite Dealers and a high level CORRUPTION could not be ruled out here. 

5. After receiving the quote for a brand new Car 'XXXX  XXXX XXXX, with a down payment of {$1800.00}, being sold by XXXX XXXX  XXXX I applied online for the same but was shocked to hear from the Dealer that they won't accept the down payment mentioned in the website and I need to put more Money as Down payment which is {$3200.00}. The quote provided by the Auto Dealer and Capital One is attached herewith. That, already a Hard Inquiry was placed in my Credit report the same day.

6. When I sent the website quote printout to XXXX XXXX, the Sales Associate simply replied in One sentance saying that I need to put a down payment of {$3200.00}. The email attached herewith.

7. That the above mentioned same situation resulted with all the Dealership and when I gave a telephonic notice to Capital One Auto Navigator, I received a call from one of the General Manager from Capital One Bank in the second week of XXXX, who told me that they are at Liberty to advertise anything and they have no binding and they can tackle the matter with any Government Establishment including the FTC or CFPB. This clearly shows the Bank 's high handedness and the Corrupt practice, which needs to stop immediately and if it's allowed to grow further, that could Rot the whole of American system of Fair lending and FTC 's false advertising & marketing policies and regulations. 

8. That after giving sufficient time to Capital One Bank as well as XXXX XXXX  with no response from them, I am forced to lodge a formal complaint with CFPB for it's intervention and necessary suitable action.
Consumer complaint received 2023-02-07
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.