davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (LA)

I was involved in an accident in the vehicle on XXXX/XXXX/XXXX. The vehicle was declared totaled by XXXX shortly thereafter. XXXX agreed to issue a payment of {$12000.00} toward the remaining balance on the loan, and I had gap insurance through XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX agreed to pay the remaining {$310.00}. The amount has been approved and the check has been sent to GM Financial by XXXX XXXX XXXX XXXX per a phone call on XX/XX/XXXX ; however, because of the delay in payment by XXXX XXXX XXXX XXXX, GM Financial has reported my account as being past due for 30 days to all three credit bureaus.
Consumer complaint received 2017-06-28
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: Experian Information Solutions Inc. (IL)

This letter is to inform you that Experian has failed to respond to my inquiry dispute letter that I sent certified mail on XXXX XXXX, XXXX. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, Experian received my dispute letter on XXXX XXXX, XXXX. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Pursuant to the FCRA ( Fair Credit Reporting Act ), it is the duty of TRANSUNION to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting XXXX inaccurate late payment for the XXXX XXXX account ending in XXXX. This includes a 30 DAY late payment posted in XX/XX/XXXX ( SEE EXHIBIT A & B-1 Attached ). This is incorrect and is supposed to be reported as PAID AS AGREED or have a rating of OK. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to TRANSUNION via written letters to remove this inaccurate and false reporting of late payments on XXXX XX/XX/XXXX ( Certified Mail # XXXX ), XXXX XX/XX/XXXX ( Certified Mail # XXXX ), as well as a previous CFPB complaint on XXXX XX/XX/XXXX ( # XXXX ), however they have continued to ignore my requests. While, XXXX has CORRECTLY reported this account ( SEE EXHIBIT B-2 Attached ) on my consumer report, TRANSUNION has yet to update and remove these late payments from my consumer report ( SEE EXHIBIT A, B-1, & B-2 Attached ). XXXX has clearly verified the accuracy of my credit report while TRANSUNION only claims it has yet, there are still false and negative inaccuracies in my report. It is because of this inaccuracy that is causing my wife and myself an enormous amount of mental stress, anxiety, and pain. I fear that if these inaccurate late payments arent removed soon, that we will be homeless due to these negative and false reporting methods from TRANSUNION.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Pursuant to the FCRA ( Fair Credit Reporting Act ), it is the duty of TRANSUNION to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 2 inaccurate late payments for the XXXX XXXX XXXX account ending in XXXX. This includes a 30 DAY late payment posted in XX/XX/XXXX ( SEE EXHIBIT A, B-1 & B-2 Attached ) and a 30 DAY late payment posted in XX/XX/XXXX ( SEE EXHIBIT A, B-1 & B-2 Attached ). This is incorrect and is supposed to be reported as PAID AS AGREED or have a rating of OK. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to TRANSUNION via written letters to remove this inaccurate and false reporting of late payments on XXXX XX/XX/XXXX ( Certified Mail # XXXX ), XXXX XX/XX/XXXX ( Certified Mail # XXXX ), as well as a previous CFPB complaint on XXXX XX/XX/XXXX ( XXXX ), however they have continued to ignore my requests. While XXXX has CORRECTLY reported this account ( SEE EXHIBIT B-2 Attached ) on my consumer report, TRANSUNION has yet to update and remove these late payments from my consumer report ( SEE EXHIBIT A, B-1 & B-2 Attached ). XXXX has clearly verified the accuracy of my credit report while TRANSUNION only claims it has yet, there are still false and negative inaccuracies in my report. It is because of this inaccuracy that is causing my wife and myself an enormous amount of mental stress, anxiety, and pain. I fear that if these inaccurate late payments arent removed soon, that we will be homeless due to these negative and false reporting methods from TRANSUNION.
Consumer complaint received 2024-10-26
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. (GA)

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.

Account Name : US BKPT CT XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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 inaccurat
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Pursuant to the FCRA ( Fair Credit Reporting Act ), it is the duty of TRANSUNION to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 2 inaccurate late payments for the XXXX XXXX XXXX XXXX  account beginning in XXXX. This includes a 30 DAY late payment posted in XX/XX/XXXX ( XXXX XXXX XXXX XXXX ), and a 30 DAY late payment posted in XX/XX/XXXX ( XXXX XXXX XXXX XXXX ). This is incorrect and is supposed to be reported as PAID AS AGREED or have a rating of OK. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to TRANSUNION via written letters to remove this inaccurate and false reporting of late payments on XXXX XXXX XXXX ( Certified Mail # XXXX ), XXXX XX/XX/XXXX ( Certified Mail # XXXX ), as well as a previous CFPB complaint on XXXX XX/XX/XXXX ( # XXXX ), however they have continued to ignore my requests. While, XXXX has CORRECTLY reported this account ( XXXX XXXX XXXX Attached ) on my consumer report, TRANSUNION has yet to update and remove these late payments from my consumer report ( XXXX XXXX XXXX XXXX XXXX XXXX Attached ). XXXX has clearly verified the accuracy of my credit report while TRANSUNION only claims it has yet, there are still false and negative inaccuracies in my report. It is because of this inaccuracy that is causing my wife and myself an enormous amount of mental stress, anxiety, and pain. I fear that if these inaccurate late payments arent removed soon, that we will be homeless due to these negative and false reporting methods from TRANSUNION.
Consumer complaint received 2018-03-06
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (MA)

XX/XX/2017 I lost my job. 

I sent over 15 copies of required and requested forms by Navient by fax and US Postsl mail and they provided no assistance. 

They with held information on available forebearance options as a means to put my account on hold so they could damage my credit history. 

I have since lost over 100 points on my credit which will impact my job search.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Pursuant to the FCRA ( Fair Credit Reporting Act ), it is the duty of TRANSUNION to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 3 inaccurate late payments for the XXXX  XXXX account beginning in XXXX. This includes a 30 DAY late payment posted in XX/XX/XXXX ( XXXX XXXX XXXXXXXX Attached ), a 30 DAY late payment posted in XX/XX/XXXX ( XXXX XXXX XXXX XXXX ), and a 30 DAY late payment posted in XX/XX/XXXX ( XXXX XXXX XXXX XXXX  ). This is incorrect and is supposed to be reported as PAID AS AGREED or have a rating of OK. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to TRANSUNION via written letters to remove this inaccurate and false reporting of late payments on XXXX XXXX XXXX ( Certified Mail # XXXX ), XXXX XX/XX/XXXX ( Certified Mail # XXXX ), as well as a previous CFPB complaint on XXXX XX/XX/XXXX ( # XXXX ), however they have continued to ignore my requests. While, XXXX has CORRECTLY reported this account ( XXXX XXXX XXXX XXXX ) on my consumer report, TRANSUNION has yet to update and remove these late payments from my consumer report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). XXXX has clearly verified the accuracy of my credit report while TRANSUNION only claims it has yet, there are still false and negative inaccuracies in my report. It is because of this inaccuracy that is causing my wife and myself an enormous amount of mental stress, XXXX, and pain. I fear that if these inaccurate late payments arent removed soon, that we will be homeless due to these negative and false reporting methods from TRANSUNION.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NY)

I am writing to formally submit a complaint against XXXX XXXX for the following reasons 1.inaccurate reporting XXXX XXXXXXXX XXXX XXXXXXXX has reported inaccurate information regarding my account to credit reporting agencies, This misinformation has adversely affected my credit score and financial stability. 2. Misuse of Federal Reserve Loans, I am concerned that XXXX XXXXXXXX XXXX XXXX may be abusing loans obtained from the Federal Reserve it appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relations to accounts. 3. Abuse of Insurance Policy, XXXX XXXXXXXX XXXX XXXXXXXX charged me and continue to charge me while collecting on the insurance policy that was supposed to insure the alleged loan. This practice appears to be and abuse of the insurance coverage and has resulted in additional financial burden for me. 4. XXXX XXXXXXXX XXXX XXXXXXXX is in violation of the FCRA and Privacy Act of 1974 as I havent received a Privacy Notice from them to be able to Furnish to my consumer report
Consumer complaint received 2024-11-13
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC. (NM)

In XXXX of 2024, I received a letter of Intent to Initiate Administrative Wage Garnishments Proceedings from Pioneer Credit Recovery. I responded to the letter by checking the box that stated that I was ineligible for wage garnishments because I was involuntarily laid off from my previous employer, and I was currently unemployed. I submitted a letter from my previous employer, and a hand-written letter from me stating that I was currently unemployed. I started a new job the last week of XX/XX/year> after submitting my response to pioneer. I received an identical letter of intent to initiate garnishments again in XXXX of 2024. I did not reply to this one since I had already replied to the one back in XXXX. In XXXX of 2024, my new employer received a wage garnishment order. He showed it to me. It was made to look like a court ordered garnishment, but did not look real. It did not have a judge 's signature nor an official seal. He asked me about it, and I told him that I had responded to the letter of intent back in XXXX. He has not been garnishing my wages. Back in XXXX of 2024 he tells me that Pioneer has been harassing him every single month via phone calls and letters demanding payments. Since, then I've been seeking legal advice on how to proceed forward. After several weeks, I finally received advice and I contacted Pioneer on XXXX XXXX, 2024. When I spoke to the initial receptionist, and I explained the problem, she told me that they did receive the letter from my previous employer, but that they did not received my response to the letter of intent. All the correspondence ( letters from me, previous employer and response to letter of intent ) were mailed in the same company provided envelope. She then transferred my call to the wage garnishment division where I spoke to another lady. I again explained my situation to her stating that I had responded to letter of intent back in XXXX of 2024. She claimed that Pioneer never sent me a letter of intent in XXXX of 2024. She claimed that the first letter they sent me was in XXXX of 2024, and that they had no correspondence from me. She offered to resend me the XXXX letter of intent again so that I can resubmit my response to which I agreed. I asked her to stop contacting my employer in the mean time and she said that she couldn't. She said the process was automated and that my employer was not complying with an official order.
Consumer complaint received 2017-06-28
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: EQUIFAX, INC. (IL)

OnXX/XX/XXXX, I sent a letter to XXXX ( see Attached ) requesting for them to correct the errors on my credit report, AND to provide me with a validation document bearing my signature. There are several serious errors reported by XXXX XXXX and XXXX XXXX XXXX/XXXX ( All account numbers listed on my report ). XXXX send me a response stating they will not re-investigate these items. On XX/XX/XXXX, I sent a 2nd letter to XXXX to requesting for them to correct my report and to provide me with the a copy of the original document I signed, as well as their verification method. I also requested for them to give me the name, address, and telephone number of the verifying party. XXXX again, replied with the same letter stating that they would not re-investigate. As per the FCRA I am entitled to be provided with documentation from the credit reporting agency, bearing my signature, to validate the debt. Furthermore, this request is supported by XXXX v. XXXX XXXX XXXX, No XXXX ( XXXX XX/XX/XXXX ). <P/>I believe that XXXX should not be able to use " Bully '' tactics and hold consumers at bay from receiving lower cost financing. As you can see by the attached, I am having the same exact problem with XXXX XXXX and Equifax.
Consumer complaint received 2024-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA) (OK)

I keep receiving mail from them for my ex.Husband who I have not seen in over 15 years and I do not want his mail coming to my house.I have already sent back several letters.And I have repeatedly asked them to stop sending letters to my address
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (AZ)

Home Depot/Citibank issued a credit card in my former legal name ( I changed my legal name in XX/XX/XXXX ) to an identity thief on XX/XX/XXXX. The thief proceeded to make approximately {$4000.00} in purchases with the card on the same day. I noticed the account opened fraudulently and reported it to the creditor immediately. An investigation concluded by the creditor in XX/XX/XXXX that the charges were not fraudulent and that I was still responsible. I disputed the investigation and provided further proof via fax on XX/XX/XXXX ( my legal name change court order, my drivers license, an identity theft report I filed with the FTC ). Home Depot and Citibank seem unwilling to dismiss this account and these charges as fraudulent so I am filing this report against them.
Consumer complaint received 2024-10-14
Product: Credit reporting 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. (NJ)

I am filing a dispute regarding the unauthorized reinsertion of an account on my credit report. The account in question is a XXXX XXXX account ( Account Number : XXXX ), which was fraudulently opened on XX/XX/2022. I previously disputed this account, and it was removed from my credit report after investigation. However, upon reviewing my updated credit report, I discovered that the same account had been reinserted without my authorization and without the required notice, as mandated by the Fair Credit Reporting Act ( FCRA ). Under the FCRA ( 15 U.S.C. 1681i ( a ) ), credit bureaus are required to notify consumers within XXXX business days when a previously deleted account is reinserted and must verify the accuracy of the information. I did not receive any such notice, and this failure to comply with the law is a serious violation of my rights. This account is not mine and is related to identity theft. I request an investigation and the immediate, permanent removal of this fraudulent account from my credit report.