davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Credit reporting 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)

I recently conducted a review of my credit report and found several items that have caused me significant XXXX These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-10-08
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. (GA)

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 EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX  I am writing to formally dispute the reporting of a closed account referenced as a charge-off from XXXX XXXX on my credit report. This account is erroneously reported as both a closed account and a past due account, which is misleading and inaccurate. Additionally, I have observed that since this reporting, XXXX XXXX has continuously added an extra dollar to the reported balance, which I believe is both improper and malicious. 

The reporting of this account violates specific provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 1. **Section 609 ( 15 U.S.C. 1681g ) ** : The right to obtain a copy of my credit report and dispute inaccurate information contained within. The continuous addition to the balance clearly indicates that the reported information is misleading.

2. **Section 602 ( 15 U.S.C. 1681 ) ** : The FCRA mandates that consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. A charged-off account should not continue accruing a balance.

3. **Section 623 ( 15 U.S.C. 1681s-2 ) ** : This section requires furnishers of information to provide accurate information, and the failure to report the account as charged off only, instead of as continuing to accumulate a balance, is a clear violation. 

Moreover, my payment history across all bureaus shows inconsistencies, where the account appears to be in collections one month and then reported as an on-time payment the next. Such discrepancies cause further confusion regarding my creditworthiness, leading to potential harm in my ability to secure loans or credit.

Given the inaccurate and misleading nature of these reports, I request that the following actions be taken : 1. **Immediate deletion of the XXXX XXXX account from my credit report. ** 2. **A thorough investigation into this matter to ensure compliance with FCRA regulations. ** 3. **Compensation for the damages I have incurred due to these inaccurate and malicious violations of my rights under the FCRA XXXX ** I have attached supporting documentation to substantiate my claims, including copies of my credit report and any correspondence from XXXX XXXX. Please investigate this matter within the required 30 days and provide me with the results. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt response. 

Sincerely, 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 2022-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc. (NV)

Re : Dishonor of Private Conditional Acceptance Presentment This is a notice to inform XXXX XXXX XXXX, and principals of XXXX XXXX XXXX. ( Hereinafter Respondents ). Respondents are in Dishonor and Default for refusal and failure to respond and rebut XXXX 's presentments titled, Private Conditional Acceptance and Offer to Cure, in the form of an Affidavit, dated XX/XX/XXXX ( hereinafter Presentment ). Respondents were " Privately Noticed '' and given allotted time to respond by rebutting XXXX 's Conditional Acceptance and Offer to Cure with specificity and fact of law under the penalties of perjury pursuant to 28 U.S. Code 1746 in the form of an affidavit. Ninety ( 90 ) dats have lapsed since Respondents have been in possession of said XXXX, and Respondents have refused and/or failed to rebut said XXXX in the allotted time and specified manner therein. On XX/XX/XXXX, principals and agents of XXXX XXXX XXXX XXXX,. XXXX XXXX XXXX,. and XXXX XXXX located XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada ( Hereinafter ) deceived Affiant ; a private consumer into endorsing an unconscionable contract ( see XXXX XXXX ) for the purchase of a XXXX XXXX XXXX XXXX which Respondents willfully, falsely, and knowingly purported to be safe, and in compliance with U.S.C. 49 30116 et seq,. and the applicable mechanical, safety standards and regulations of the state of Michigan and state of Nevada. XXXX XXXX XXXX XXXX, and sales representatives of XXXX XXXX, both doing business in the state of Nevada wantonly, falsely and deliberately publicized deceptive advertisements which purported the " XXXX XXXX XXXX XXXX could travel 259 miles on a full charge '', was " Mechanically Sound '' " Eco Friendly '' and " Safe '', These deceptive public announcements and false advertisements was the centerpiece of XXXX XXXX XXXX, and its franchisees ' marketing campaign to garner sales for said vehicle. Considering the public announcements by Respondents, XXXX was deceived into to trading in a XXXX XXXX XXXX and paying a substantially higher price for the purchase of a XXXX XXXX XXXX XXXX, at a price gauging note approximately {$710.00} per month that Respondents knew was unsafe, prone to ignite into fire, and mechanically defective from the onset. Said actions by Respondents are in clear violation of a litany of mechanical and safety standards pursuant to United States Codes, including violating Deceptive Trade Practice statutes pursuant to State of Nevada Statutes ; 598.0903, et seq. Since reviewing models of the XXXX XXXX XXXX XXXX on television and internet completely burned, or on fire, I have since been filled with anxiety, suffer from psychological duress, and have no peace of mind every time I attempt to enter into XXXX XXXX the XXXX XXXX XXXX XXXXXXXX for XXXX of it catching fire, my family and I being injured or killed.
Consumer complaint received 2022-10-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Verify This invalidated account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. Verify This invalidated account XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

4. Verify This invalidated account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2022-10-03
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-08
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. (GA)

I am filing this complaint due to XXXX failure to investigate my disputes in violation of FCRA regulations. According to XXXXXXXX XXXX website, they outline the acceptable forms of ID verification required for disputing inaccuracies on credit reports. I followed their instructions and submitted the proper verification. However, instead of processing my disputes, they sent me a letter claiming that my disputes were not submitted by me and that they would not proceed with investigating my claims. 

Experian engaged in the same conduct, also in violation of the FCRA, specifically Section 611 ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must conduct a reasonable investigation of disputes. Meanwhile, XXXX failed to respond to my disputes altogether, further violating FCRA guidelines. 

I have attached all affidavits sent to each credit bureau, along with the exact same forms of ID that were submitted with each dispute. Please review the attachments for further details. 

Thank you for your attention to this matter.
Consumer complaint received 2022-10-03
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. (SC)

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-08
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. (GA)

This has been over a three year process. Has continuously failed to comply with federal law. Have sent all irrefutable proof and I also have spoken with the fraud Department of XXXX. They verified that the information being sent to Experian is being blocked and sent back. I filed identity theft in XXXX XXXX XXXX XXXX XXXX XXXX XXXX it took till almost the end of the A year to even get a representative on the phone to address the Identity theft. I also found out that this was done in Florida and I live in Georgia and I have never lived in Florida I sent them affidavits proof of residence a police report FTC report my CFPB complaint and other irrefutable information that proves that I could not have been there at the time because I was recovering and couldn't fly. I have since spoken to the fraud department at XXXX on two or three occasions and they have informed me that when they try to send something to experience it bounces back. When I spoke with people inexperienced on about four or five occasions they constantly tell me that it's being reported as current which is incorrect and I addressed to them that they are blocking the information from XXXX and of course they claim they are not. Based on federal law they were supposed to have blocked and removed the information pertaining to several of the US codes and they have failed to do so. There is another representative from Experian that I spoke to and she specifically told me that it was set that way in the computer and that they were not going to change. She let me know they were going to ignore anything sent. XXXX Removed it Instantly when I sent them the information in XXXX took longer but they've removed it as well. I lost over {$150000.00} in funding for my business and 2 personal cards and a Decrease on one of my cards because this hit my credit report. I had an XXXX XXXX XXXX before this was placed on my file.
Consumer complaint received 2024-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I see items on my credit report that I dont recognize, suggesting my identity may have been stolen, as I did not approve these accounts. Ive raised this issue before, and Im now requesting that these accounts be removed from my report promptly. Their presence is causing me significant stress and does not accurately reflect my credit history or financial behavior. If this issue can not be resolved, I am prepared to take legal action to protect my rights. These inaccuracies on my credit report are a serious obstacle, hindering my ability to achieve important financial goals, such as buying a house and supporting my family. I hope we can resolve this matter quickly.
Consumer complaint received 2024-10-30
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. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

I demand you to remove this account from all 3 of my credit reports asap or I will have no choice but to forward this to my litigation attorney for furnishing a false account on my credit report.
Consumer complaint received 2024-10-30
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. (IN)

XXXX ) XXXX XXXX XXXX Account opened XXXX Account Closed XXXX This is not my account- Identity Theft 2 ) XXXX XXXX Account XXXX XXXX Account Closed XXXX This is not my account- Identity Theft XXXX ) XXXX XXXX : Opened XXXX Account Closed XXXX This is not my account- Identity Theft
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MD)

Experian is the company. There is no clear way to contact them to obtain my free credit report. 
Background : I attempted to use the annual free report site. I was able to get my report from XXXX and XXXX by entering my email address and my cell phone number. Both sent a code via text. 
When i attempted to get my Experian report through the annual site, Experian sent a link to my cell phone, instead of a code. When i attempted to open the link they sent, i got a message that said my phone 's browser settings had to be adjusted, including enabling XXXX, which is a security vulnerability. 
Second attempt : i went to their web site where they prompted me to enter my SSN last 4 and my cell phone. Expecting that i would get another unusable link, i called their toll-free number. Every time i asked to speak to an agent or specialist, i got stuck in a voice response loop that eventually hung up on me.

This is unacceptable. Experian appears to be making it very difficult to obtain the free credit report, when compared to the other two agencies.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a reme
dy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX