davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

On XX/XX/year>, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting.To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
Consumer complaint received 2020-08-05
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: Experian Information Solutions Inc. (TX)

I received an email from XXXX XXXX of XXXX XXXX regarding her ability to get me a loan modification for my home. I was referred to her initially from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They charged me in total {$12000.00} to complete this loan modification. They took all of mine and my wife 's personal information ( SSN, DOB, DL #, Utility Bill, Insurance Card, etc. ). Throughout the course of time that I worked with them, they took our information and added fraudulent accounts to our credit files. This included collection accounts and several bankruptcy filings that were not from me or my wife. I caught on to what she was doing after the damage was done and informed her that I will be contacting the police. 

Since then, I have filed a complaint with the Texas attorney general, CFBP, and filed disputes with the credit bureaus. I have also requested information from the courts as well as XXXX since they report public record information. I have also filed a police report, identity theft report, and an identity theft victim 's complaint and affidavit. The court and XXXX both stated that they have no record of bankruptcies under mine or my wife 's name. I supplied all of this information that can serve as evidence of OBVIOUS fraudulent activity to all three credit bureaus to get the items removed. I have been successful in these removals with the exception of the bankruptcy filings reporting to Experian. XXXX  and XXXX have removed all of these same accounts. I know that Experian is independent of the other credit bureaus, but I find it odd that they were able to verify the bankruptcy information that the other bureaus were not. They say that the information was verified through XXXX, but based on my report and conversation with XXXX, this is not accurate. I even arranged a conference call between myself, XXXX, and the Experian fraud department. Even after being told directly from XXXX that this information is not correct, Experian still would not remove this fraudulent information. 

This is a direct violation of my consumer rights and I fully intend to pursue legal action in this matter if it is not resolved. I intend to seek maximum damages possible for all of the distress and suffering this event has caused me throughout the years. I hope by filing this complaint we can come to a resolution.
Consumer complaint received 2020-11-11
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 — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listings. 

XXXX XXXX XXXX {$21000.00} Exceptional payment history From XXXX up until this current month, XXXX this account is showing deferments and not as being paid, which I have been paying this account every month and on-time. 
There are no valid claims ... account was never deferred and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulplease update it to reflect ( Paid on time ) Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I just reviewed my credit report again and found a number of accounts that do not belong to me. Besides the accounts I previously complained about, there are new accounts as well. I am being harassed daily and inaccurate personal information continues to be reported. My complaints have not been adequately addressed, and I urge you to correct this immediately, otherwise I will engage a lawyer since I am continuously denied housing as my credit score drops.
Consumer complaint received 2022-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (GA)

I have contacted this company several times since the entry of account on my credit report, I have never done business with this company, I asked for a signed HIPPA form with original signature of debt which it can not provide. Please remove debt from all credit reporting agencies.
Consumer complaint received 2024-09-08
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. (GA)

I checked my credit report today and found XXXX accounts that I do not recognize. These accounts are XXXX XXXX, XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I have contacted the companies and discovered that I do not have a signed contract or consent agreement with any of them. The negative information on these accounts are hurting me and my credit worthiness. And also causing me privacy issues. I only operate in the private for my protection and the protection of others. Therefore, I am seeking redress to demand the accounts be permanently deleted from my credit reports.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2024-09-02
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)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

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.

U.S.C. 1681 c ( a ) ( 5 ) section states to consumer reporting agency may make any consumer report containing any of the following items of information. Any offense adverse term of information other than records of convictions of crimes with antecents to report by more than 7 years.
Consumer complaint received 2024-09-08
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. (NC)

On XX/XX/XXXX, XXXX, I received notification from XXXX XXXX entailing that several accounts in my credit report had been removed and renewed without rhyme or reason. This took place within a window period of XX/XX/XXXX, XXXX XX/XX/year>. 

This illegal process inevitably caused my XXXX XXXX XXXX to drop XXXX points causing me financial distress. 

This illegal process of removing a account has a direct effect on the credit report due to its direct effect on the algorithm of age, credit utilization, inquiries etc The account which was removed and reopened as stated on XXXX XXXX were : 1. CURRENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX  report states that the CURRENT account was removed and instantly reopened. 

It still reports as being a closed on XXXX XXXX. While CURRENT has reassured me that such account was never closed from their end. 

However, XXXX XXXX nor TRANSUNION reported the positive balance of the CURRENT credit card payment which would have increased my XXXX XXXX rather reduce its points. 

The XXXX XXXX  report also states that the aforementioned CREDIT INQUIRIES were removed then replaced as new credit inquiries. 

However, when reviewing the accounts mentioned above, all the dates highlight the original date these items was placed on my credit report. This clearly demonstrates that there a manufacturing error deliberately aimed to harm my score. 

These activities listed above has direct effects on the point system of consumers credit reports. I have been directly effected from this causing me to halt my purchase of a vehicle because of the dramatic decline in my score which now sits a XXXX XXXX XXXX XXXX. Which ultimately, is a XXXX XXXX per XXXX XXXX XXXX.
Consumer complaint received 2024-09-08
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)

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

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Consumer complaint received 2024-09-08
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. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2022-02-24
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. (LA)

I sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$15000.00} XXXX XXXX XXXX Balance : {$3500.00} XX/XX/XXXX
Consumer complaint received 2022-02-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC (CA)

I contacted the loan company by phone at XXXX and spoke to XXXX. I asked her what the current principal balance was of my loan ( which has an outstanding total balance of {$2600.00} ). She informed me that the principal was actually {$2600.00} which makes no sense. She would not elaborate and kept telling me that the system wouldn't give her that information. I told her that I wanted to make a payment towards the principal that was left on the loan so I could shorten the amount of payments left. She told me that I couldn't pay down the principal of the loan in any way, that any amount I sent would be automatically applied to the outstanding interest first and whatever was left over would be applied towards the principal. She said that no one would help to do what I am trying to do because that is their policy. I am trying to make a substantial payment to pay off this loan early and this loan company is defying me at every step. They will not even tell me what the total payoff is that would make this go away or shorten the loan term. Is there any way to make them accept my payment? I want to send them {$1000.00} but I want it to go to paying off the principal ( whatever that is ) and then I can continue to make regular payments until the interest ( which should stop accruing after the principal payment ) through today 's date of accrual. Can someone please help me since the interest on this loan in 135 % which is killing me.
Consumer complaint received 2020-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/XXXX a judgement was entered that Plaintiff ( s ) Capital One Bank take nothing for failure to comply with a court order/Docket Number XXXX , Trail Court of MA XXXX Department Civil Session. 
I recently tried to get this off of my credit via dispute but was unsuccessful. I called credit bureau/XXXX  on XX/XX/XXXX to have them explain why I could not have this removed seeing as I got a judgement of dismissal and sent in the paperwork. Person by the name of XXXX told me he sent documentation of court judgement to Capital One Bank and they refused claiming that I still owed the credit card debt. XXXX and I then called Capital One Bank dispute department together that same day and spoke to representativeXXXX ID # XXXX who claimed my debt was sold to a 3rd party/XXXX  XXXX XXXX, a law firm I have no documentation from. When I was summons to appear in court a few years ago it was from another law group named XXXX , XXXX XXXX XXXX , XXXX . who were representing Capital One regarding the debt I owed which was {$2500.00}. I have documentation from that law group with my account number to the Capital One card and the amount I owed but Capital One representatives are claiming they have no notes on this law firm and they can not explain to me why that law firm knew all of my information and took me to court regarding the account they are saying I still owe. 
I've spoken to other representatives of Capital One : XXXX ID # XXXX claimed I owed the debt and again claimed no information on law group/XXXX, XXXX XXXX XXXX, XXXX. is in their system. 
Most recent contact XXXX ID # XXXX FAX : XXXX Reference # XXXX on XX/XX/XXXX still claimed I owed money and that I should send them documentation but XXXX   already showed them court judgement and now I am not comfortable speaking with them any longer. 

I called XXXX XXXX XXXX to confirm their identity as I am worried about my information circulating and a person by the name of XXXX told me that he sees in their system that Capital One Bank sold my debt to XXXX , XXXX XXXX XXXX , XXXX . first but now they have it. This rep told me he can see that XXXX , XXXX XXXX XXXX , XXXX . were ''in the midst of something '' but now they have it claiming they possibly sold it before my court judgment and I am very confused how this is legal. This person also told me that Capital One Bank has reached out to them and told them to cease attempting to collect the debt until they do their own investigation. 
I filed with AGO today and am hoping to seek help from whomever can guide me on this. 
I'd also like to note I recently looked up XXXX , XXXX XXXX XXXX , XXXX . and it says they are not in business any more.
Consumer complaint received 2024-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXXXXXXXXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter
Consumer complaint received 2020-08-04
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. (CA)

I have several times contacted TRANSUNION TO REPORT MY AUTO LOAN WITH XXXX XXXX. They claimed that the account was " deleted '' because I had filed a dispute. I informed that the dispute was to the amount of debt, not the account and they stop reporting the account. I called 9 times, they claimed that XXXX XXXX was the one to contact them. 
I contacted XXXX XXXX and they informed that they have submitted requests to include my account on the report. This account has been reported to XXXX  and XXXX, not to TransUnion which is hurting my credit score. 
I need the account to be updated.