davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

you guy have been giving me hard ship for a long time now I been nice and asking you to fix my scores and put the right information on my cridit report all this time have a dead ss number costed me life struggles hard ship I'm not dead other people mest up my reports and your workers incompetents you people realy no how to mess up lives I'm not dead or anything like that fox it I all ready called a lawyer fax it
Consumer complaint received 2024-09-04
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-04
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. (IN)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-04
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-05-29
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Check Resolution Inc. (TN)

XXXX from National Check Resolution Inc. ( XXXX XXXX XXXX XXXX Georgia XXXX Phone : XXXX Fax : XXXX www.nationalcheckre.com ) left a voicemail on a third party ( a relative 's ) phone saying I have an unpaid balance with XXXX and stating that if I did not call them within 48 hours, that they will start a liability investigation on me and my company, leaving the case number and phone number. 

This is the SAME DAY as when they had contacted me via email with the boilerplate notification of said debt with the 30 day notice to dispute said debt. 

These practices of communicating private information run afoul of the FDCPA.
Consumer complaint received 2019-05-28
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. (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX NA  XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX
Consumer complaint received 2024-09-04
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; {$690.00}
Consumer complaint received 2019-05-28
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. (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (MN)

I received a notification that Way Point Resource Group has opened a collections account for {$180.00} for XXXX in my name. I was a XXXX customer until summer of XX/XX/XXXX at which time I cancelled my services and returned all equipment. I was told my account was settled and the matter closed. I then received a collections letter on or around XX/XX/XXXX from a XXXX XXXX XXXX alleging that I owed {$220.00} to XXXX for unreturned equipment. I advised them that everything was returned and that my account was paid and asked for validation of debt ( please see attached email ) They responded that they would process it and mail validation. I never heard anything and the account disappeared from my Credit report so naturally I assumed the matter closed. Now I receive notification that I have a new collections account for XXXX for {$40.00} less. This is absurd and I have tried calling Way Point but  have not been able to get through. I only get an automated system that says " Please hold for the next caller '' I do not owe this debt, all equipment was returned and everything paid. You are damaging my credit.
Consumer complaint received 2019-05-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (PA)

Southwest credit systems has furnished information on credit file regarding XXXX bill. Made contact with XXXX and company unaware of debt. In addition requesting signature for contract. This company has furnished, unfurnished, furnished on credit file. This is unacceptable and a violation according to FCRA.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX, XXXX LA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

15 USC 1681 a My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : YOUR NAME - XXXX XXXX ADDRESS - XXXX XXXX XXXX, XXXX, LA XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter The current personal information being furnished is inaccurate, not relevant out dated information. 

15 U.S. Code 1681e - Compliance procedures,, ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! 

Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below. 

Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2023-05-31
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. (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 XXXX XXXX XXXX. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX  XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2024-09-04
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. (VA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed ITEMS from my credit report as well as update the ITEMS from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2019-05-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit, Inc (WA)

I have a XXXX XXXX lease from VWCredit bought in XXXX, California. My lease ended XXXX XXXX, XXXX. With my lease i had bought excess wear and tear protection for ( XXXX $ ) which covers damages upto XXXX . 

Fast forward ( during XXXX to XXXX ) : we had multiple incidents on our right side of the car in our XXXX XXXX XXXX parking lot. Next year : we moved to XXXX, WA and as the lease was getting over i had a series of questions with the VW credit folks. 

1 ] I was confirmed by 2-3 reps multiple times that my damages will be covered as the lease return pre-inspection report confirmed damage repairs of XXXX . This was also confirmed by the 3rd party  Pre-Inspection. I had clearly mentioned that i would like to keep the car incase the wear and tear protection does not apply to the car but i was confirmed that this will not be the case. 
2 ] Reps at VW dealership in XXXX ( XXXX 's XXXX of XXXX ) XXXX XXXX XXXX also confirmed that the damages will be covered by the wear and tear protection and you are safe to leave the car 3 ] When i got my first bill from VW after i returned the car, it came with XXXX $ bill and they missed applying wear and tear protection 4 ] Upon asking, they confirmed it missing so they send it to their wear tear protection department and after 20 days, i got another bill which reduced the bill by XXXX+ XXXX This got the bill to XXXX $ upon inquiring why the full was not covered : they confirmed that the 3rd party who looks into wear and tear feels like this was a one incident and hence will not cover full damage. 

It took me 3-4 phone calls to again check on the status and provided good amount of reasoning why the assumption of single incident was flawed and why the damages took multiple incidents but its still not working out. 

The rep offered me good will discount of another XXXX+ $ and pro-rated plan to pay XXXX $ a month. ( this was so nice of him ) But i think they are missing the commitment to resolve customer issue. 

I would love to get help on this and challenge the assumption that the damages were done in single incident as opposed to multiple one.  They confirmed if that's proved, the charges will be XXXX. The assumption is clearly flawed as a ) there is no symmetry on the damage on both the front and back sides b ) the damage in the center area near the doors has far greater intensity than any other areas, clearly suggesting that there were multiple occurrences. I am happy to send snapshots of the parking place where this happened more than 1.5-2 years back. 

Thanks for looking into this matter. Hoping to get your help to resolve this. 

Attaching photos front side, middle and back side as well as the parking lot area where the incident happened.
Consumer complaint received 2019-05-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NC)

I have been trying, for over 6 months to get a loan modification done with XXXX. They have a year and a half of ALL of my financial records and even when they have been sent a FULL package, continue to come back asking for either the same things over and over again, or when I complete the package and all their Final stipulations they start over asking for all new things after receiving everything. They start the process over, and over again each time. I have provided every possible document about my finances, and every time I finish what their multitude of items on their list are they then ask for more. At what point does this end? At what point can it ever stop? As they continue to start the process over and over I continue dipping into my retirement account just to pay my mortgage. There is absolutely no way they can not have a COMPLETE financial picture based on all of the documentation they have received. Every single item they have ever been asked for have been sent in and then, they just keep extending the time period. A year and a half of my financial records should be more than sufficient to complete this package. 
Thanks XXXX XXXX
Consumer complaint received 2024-10-21
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. (TX)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX  - XX/XX/year> - {$520.00} INQUIRIES : 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 XXXXXX/XX/year> XXXX - XX/XX/year> Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2019-05-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc. (NY)

I do not have dates all of the dates. But, I filed for bankruptcy and it was discharged in XXXX, XXXX. I filed a reaffirmation agreement for my car loan thru Santander Consumer USA, with the US Bankruptcy Court which was approved. I then had a financial burden in XXXX, Santander allowed me to not make payments for XXXX and XXXX, XXXX. Around this time I started shopping around to refinance the vehicle, but I was denied because the car isn't on my credit report. In late XXXX I attempted to have the car loan added to my credit report by contacting Santander. They said I needed to send a letter to the department that resolves credit related issues, so I sent a letter. XXXX i received a letter back from Santander stating nothing needs to be done. Then my sister was given a XXXX diagnosis and went on extended leave from work, so I am helping her pay bills. I am now two payments behind on my auto loan. I continued to check my credit report for the next month or so and it did not show up. XX/XX/XXXX I spoke with XXXX from Santander ( see attachment ) about refinancing and the issues I was having making the payments.I spoke with Santander on the phone on XX/XX/XXXX. The representative said she was opening a high level ticket with the credit resolution dept. She called me back and stated " The car loan will not be added to your credit report, because you filed bankruptcy '', so i asked " Was i advised of this when i reaffirmed the debt in bankruptcy? '' To which she responded " No information was sent to you pertaining to this. '' I then asked " Does Santander refinance '' to which the representative said " No ''. 

The crucial piece of information about the car payments not being reported to the credit bureaus after bankruptcy, now prohibits me from refinancing the 19 % percent interest rate to get the payment to a level I can afford. So now, if the car is repossessed, I will be in another difficult financial situation due to any amount that is due after they sell the car at auction. When if they had told me the car wouldn't be on my credit report, I would have forfeited it when I filed bankruptcy. 

This is an unethical business practice, if not criminal.
Consumer complaint received 2019-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (IN)

I have disputed this debt with three different collection agencies as the debt is not mine. I have completed a fraud packet with XXXX as well. I sent that information in to the previous agency. XXXX XXXX XXXX. This debt has reappeared on my credit report again. I again disputed and asked for the validation of this debt several months ago. I have still not received any validation. This is fraudulent and violates my rights under the FDCPA and FCRA. I am asking that this be rectified and removed the erroneous debt from my credit report. I will also be filing a XXXX complaint as well since this company did not do what they were required to do with the previous dispute.