davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-11
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. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-04-03
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. (TN)

Experian is reporting an account that not my account. I have made several attempts to get this account removed, but there are coming back Certified with no information as to why this is not my account. You will see the supporting documents attached.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MI)

I have been paying {$10.00} a month for over a year to protect my credit by locking my file, monitoring my bank account, phone numbers, emails, and social security. Today i received an email saying my account was unlocked and cancelled. I tried to renew it but the new price is {$34.00}. I did not receive any email notifying me this would take place and now i only have coverage for reports. I have no dark web coverage like before and I have to pay {$35.00} if i want my file locked.
Consumer complaint received 2022-06-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp. (MO)

On XX/XX/2022 at XXXX a debt collection company emailed my mother regarding a very old credit card account. My mother is not and never has been affiliated in any way with this account. The email disclosed the bank name as XXXX  XXXX XXXX XXXX XXXX account ) and a debt amount of {$2300.00}, for which the collection agency was seeking recovery. Additionally the email named a XXXX XXXX XXXX as the current creditor - even though I have no relationship to or knowledge of XXXX XXXX XXXX. Again, I want to restate that my mother has never been authorized for communication regarding this very old credit card account ( in fact the email address she uses wasnt even in existence when this account was originally opened ). 

Further more, the account in question is no longer collectible as the statute of limitations for the agreement governing this account has elapsed. I no longer owe the balance state ( which I am unable to verify ) ; it is no longer collectible and ceased to be collectible SEVERAL years ago. 

None of this information was provided to me - rather it was sent to my mothers email address ( again, which I have never used or authorized for any communication ). I am not currently a minor, nor was I at the time the account in question was opened.
Consumer complaint received 2022-06-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A. (AZ)

A person called me from a unknown number stating they were trying to find out if I would be home to be served legal papers by a process server. I asked suprisingly what legal papers. The guy said XXXX XXXX law firm. He asked if the address he was giving me was mine. I said, " I don't know what your talking bout? '' The man calling as a process server gave me a number for XXXX XXXX XXXX. I called the number and know one answer a few minutes later a guy called back and said did someone call this number? I said, " Who is XXXX XXXX, They guy said, who is asking. I told him who I was and he told me i owed a debt on a XXXX XXXX. I said, " Know that car is paid off. The guy told me that i had not paid the car note since XXXX. I said, The XXXX has been paid off. Is this a scam or something? The guy began to holler at me. He told me I should pay my bills. I said, " The car is paid for. '' He asked for proof. I had nothing more to discuss with the guy. 
I was pretty shaken by the call because the car was paid off. I have know credit issues at this time. God bless those challenged, because i have had problems in the past. I am not perfect but I don't want to feel like I am in a pool of people searching to see who they can prey on. The other thing is there has never been any credit or collections concerning the XXXX XXXX on my credit for anyone to call or have a man to come searching for my address to serve me. It is very dangerous in America at this time. I want to find out my rights and also how to make my information private. I want to be harassment free people preying on innocent folks concerning debt, public access to my name, and address, phone number, and any unauthorized person invading my privacy regarding.
Consumer complaint received 2022-06-12
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. (MO)

In accordance with the Fair Credit Reporting act 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 2020-11-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION (NY)

I, XXXX XXXX, believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 

XXXX XXXX DEPT OF ED/XXXX ACCOUNT # XXXX US DEPT OF EDXXXX ACCOUNT # XXXX UD DEPT ED ACCOUNT # XXXX XXXX  XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX  XXXX  ACCOUNT # XXXX,
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. (MI)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 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. (LA)

According to 15 U.S. Code 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

If they are unable to provide that proof, or if lacking proof of these payments being late please update my payment history to P.A.A.N.L. status ( Paid As Agreed, Never Late ) according to consumer protection laws. 

XXXX XXXX / Account # XXXX / Update : XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX/ Account # XXXX / XXXX : XXXX XXXX XXXX / Account # XXXX / Update : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX / Account # XXXX / Update : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX / Account # XXXX / Update : XX/XX/XXXX XXXX XXXX XXXX XXXX / Account # XXXX XXXX Update : XX/XX/XXXX XXXX
Consumer complaint received 2019-09-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (TX)

I bought a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX Texas back in XX/XX/XXXX and made on time payments and kept it until I decided to trade the vehicle in on XX/XX/XXXX when I purchased a XXXX XXXX XXXX. Both of my cars were financed through Santander Consumer USA. After signing the contract and paying for my tax, title, and license, I was current with my loan with Santander and the vehicle was supposed to be paid off after the trade in. According to the State of Texas laws they have 25 days to pay my loan off. XXXX XXXX in XXXX never paid off my loan. When I asked them about it they told me that they sold my car off to auction. I am stuck with a loan for a car that I do not have and because I could not afford two car loans at that time, it resulted into tow truck coming to my home every night and then a charge off on my credit. Too add to my problems, I never received my tags and the car is still not registered in my name. I am paying for a car that I technically don't own. This issue has not been resolved and there is no timetable for a solution. I still have expired temporary tags since XX/XX/XXXX. As of right now. I am stuck with a $ XXXX loan charge off and no tags on a car that I don't own. Please help.
Consumer complaint received 2022-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion Account name - XXXX card Account number - XXXX This is not my account. Also, a ridiculous time lapse between account closed and last activity reported. 

Also, I was denied credit by XXXX XXXX twice based on inaccurate information reported by Transunion, I will not pay additionally for my credit report nor do I want any more side hustle product advertising.
Consumer complaint received 2022-12-30
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. (FL)

I write to complain about XXXX XXXX XXXX credit card for willful and wanton violations if the FCRA for failing to report updated data to XXXX since XX/XX/XXXX despite the fact that so have made monthly payments monthly. My XXXX attached copy of my credit report dated XX/XX/XXXX inaccurately fails to include my payments for XXXX XXXX XXXX XXXX XXXX etc. XXXX last updated my file in XXXX and my report shows No Data Available monthly since XX/XX/XXXX as clearly evidenced from my report. Since I made monthly payments XXXX violated the FCRA by failing to mark 6 months of monthly payments. No Data Avsikabke is inaccurate and known to be inaccurate by XXXX and XXXX. Obviously, the date of last payment of XXXX  is inaccurate as future payments were never reported as required. The date of last activity of XX/XX/XXXX is also obviously inaccurate. XXXX has breached its obligations to report accurate and complete data therefore it no longer has a right to report data mandating permanent deletion of my account from every CRA and sn obligation if every CRA to block access to XXXX to insure permanent deletion is insured. It is too late to correct data so Permsnent deletion is required. I dispute all payment and incomplete data so, until the account is deleted, my XXXX account MUST include the permanent designation Of Account Disputed by Consumer and failure to mark account as disputed, even if XXXX disagrees, shall constitute additional willful FCRA violations which I claim now for {$1.00}? XXXX per violation.
Consumer complaint received 2022-06-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

Please note this is a new dispute and not a duplicate dispute and should be treated as such. 
Credit bureau in question : Experian - Account Number Unknown / Date Assigned XX/XX/2022 / Balance Owed {$250.00} Company posting false information : XXXX XXXX XXXX. 

This collection has been recognized as fraudulent and removed by XXXX and XXXX. We're working to remove the XXXX collections from Experian as well. We'd greatly appreciate your assistance in removing this false collection account from my Experian credit report as your claim has no basis. We've made several attempts to collect valid proof of this collection account but havent been provided with anything. After speaking with XXXX XXXX XXXX, they will only share the proof of debit if I give them a credit card. This has been noted as extortion and we are still awaiting proof of debit from XXXX XXXX and or XXXX. Documents sent to me by XXXX did not validate or prove the debt was mine and were barely legible. Please send proof of this collection account as it is not legitimate. If you can not provide clear, concise, legible proof that this collection account is mine, or remove it from my Experian credit report, I will be forced to take legal action. 
Once again, I am notifying you that these items are not reported correctly for the reasons listed below, and I am asking you to reinvestigate them : 1. The account reported above are not my debit, and I have no knowledge of it. 
2. The address listed on the account is a XXXX store in XXXX XXXX, which is not a legal home address. This inaccuracy once again proves XXXX, XXXX illegal reporting practices. 
3. We have not received enough clear, concise, legible proof that this debt is mine and not fraudulent. 
According to the Fair Credit Reporting Act, Section 607, Experian must ensure maximum accuracy of the information contained in my credit report. Without clear, concise, and legible proof that this debt is mine, Experian has failed to comply with the Fair Credit Reporting Act, Section 607.
Consumer complaint received 2022-06-12
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. (MO)

In accordance with the Fair Credit Reporting act 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 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. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2022-06-11
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 an account without my written instructions
Consumer complaint received 2022-06-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (TX)

I made a purchase for items through XXXX with Affirm as a lender. The amount was over {$800.00}. Unfortunately the account was charged off so I am unable to give an exact number. 

In any case, when I complained to XXXX that I had not received my order, they suspended my account. I provided proof that the items were not delivered to my home and also the police XXXX who wrote the report agreed that the home in the delivery pictures were was not mine. 

I contact Affirm XX/XX/2022 then when no one responded, I contacted them again on XX/XX/2022. I would also Receive emails telling me that my account would be charged off eventually if I did not make a payment. At maybe two or three separate times I called the firm to confirm that I would not be charged off since the debt was technically not mine to pay since I had not received my items. At one point in time I was told by a representative that my account was on a special type of old which would not which would not affect my credit report. Every time I called, I was told that the situation was still being investigated. 

Today I received an email telling me that my account was charged off. When I called in, a representative told me it was because I didnt respond to an email on XX/XX/2022. Upon further investigation, they determined that I actually did respond. 

I was told by a supervisor named XXXX that it was too late to stop the charge off and that my lack of payment would affect my credit report and future loans with Affirm. When I told her about the hold on my loan she told me that they could not guarantee such a thing and that all she could do was forward my case to higher ups. Obviously Affirm had no plans on investigating anything. Even though I provided pictures and a police report. 

XXXX a XXXX veteran that has worked off to pay off her debt and get back on her feet. The items purchases were for XXXX XXXXXXXX and I ended up having to sell other things to get things for school. This company is disgusting.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX 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.