davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

It is the credit reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. TransUnion is reporting 1 inaccurate late payment for XXXX XXXX with account number XXXX. A late payment for 30 days listed in XX/XX/2021 is incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C. 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the customer and the person ( s ) making the report. A transaction constitutes these - late payments resulting 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 or file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that TransUnion has violated my federally protected consumer rights under FCRA and the inaccurate reporting is causing me undue hardship and my reputation harm and discrimination.
Consumer complaint received 2020-09-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I spoke to this company about my hardship due to Cov-19 that I had and they told me for my XXXX and XXXX payment I could do a deferment with them and if I need them to another because of the pandemic contact them back so I did do one for XXXX also. This was not suppose to effect me negative in any way. Now I am showing all late pays for XX/XX/2020 and XX/XX/2020 and now XX/XX/2020. They stated this should not hurt my credit now it has.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have disputed the following address XXXX XXXX XXXX, Texas XXXX with XXXX for I have NEVER resided there. My driver 's license has never had this address. XXXX keeps allowing several creditors to report this inaccurate data on my report. I 'm not sure how they have linked this address with my name. You can contact the Texas Department of Public Safety to confirm this as well.
Consumer complaint received 2018-01-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (LA)

Beginning in XX/XX/XXXX, I submitted certified letters to XXXX XXXX XXXX in reference to a charged off balance of {$1000.00} and XXXX XXXX XXXX with a collection balance of {$1000.00} asking for validation of the alleged debt owed. ( eg. my signature showing that I had entered into a contract with them ) I was sent a copy of an invoice from the collection agencies, and a letter from the credit bureaus stating that the account had been verified. I then sent another dispute to the collection agencies asking them to provide me proof and not an invoice showing that the debt was indeed mine. I again received a copy of an invoice and a letter from the bureaus stating the account was verified. 
In XXXX, I sent dispute letters to XXXX and XXXX  requesting validation of the debts reported negatively on my credit reports. I once again received a letter from the bureaus stating the accounts had been validated, but I have received no proof. 
In XX/XX/XXXX, another dispute letter was sent to the bureaus with another response from then stating " validated '', but with no proof of the validity. 
I have been diligently working to have these items removed from my credit file as these items have been impacting me negatively in my pursuit to purchase a home. All I 'm asking is that I am provided with proof that these items belong to me- An invoice is NOT proof. 
Any help that you can give would be greatly appreciated. 
Thanking you in advance!
Consumer complaint received 2018-01-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY (CA)

XXXX XXXX solicited me for entry into a payment plan to pay down the debt on my XXXX credit card. They unilaterally set a monthly payment date of the XXXX of the month. When I called them to make the first payment on XXXX XXXX, I explained to them that I would make the first payment that day but that I could not do so going forward. I explained that I would have to have my due date come in the latter half of the month. XXXX XXXX  representative that day said that that was no problem and that I could make a payment that day, then call back after my payment was finalized in order to change my due date. I called back later that month and the representative then claimed that I could NOT change my due date and that I would have to pay on the XXXX, despite the first representative 's promise. I escalated this issue to a supervisor, who said he would listen to the XXXX XXXX call and help me if the original XXXX XXXX representative did say they would change my due date. This supervisor never called me back and/or never left a message. XXXX has now refused to listen to the XXXX XXXX call and live up to the representative 's promise to provide a changed due date. I have made my XXXX payment now mid-month because paying on the XXXX was simply not possible. But now XXXX has threatened to cancel the payment plan entirely because the XXXX payment will have been late and the XXXX payment will be as well. This is fraud on XXXX XXXX part, because I explained before I made the XXXX XXXX payment that I could not have the due date be the XXXX of every month. That is impossible due to my rent, which takes up most of one of my two paychecks every month. XXXX has now marked my credit report as 30 days past due EVEN THOUGH I made the XXXX payment timely and was not 30 days past due on the XXXX payment plan payment. XXXX is not honoring its own internal payment plans or the representations of its agents.
Consumer complaint received 2018-01-18
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. (MD)

UNAUTHORIZED INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-09-03
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: Resurgent Capital Services L.P. (CA)

I have a loan with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) and LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) and LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$0.00}, {$0.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$0.00}, {$0.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Consumer complaint received 2024-11-15
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)

On XX/XX/year> I sent out a notice of " Revocation of POA '' and " Cease and Desist '' XXXX XXXX have fail to comply with either notice and still continues to communicate. XXXX XXXX also continues to use false, deceptive and misleading representation concerning alleged debt. This is a violation of the FDCP.
Consumer complaint received 2018-08-30
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: Clarity Services (PA)

Clarity Services Inc has XXXX payday loans on my credit file with XXXX  as they stated in a letter there XXXX now or the same company. I have not applied for no on line loan with XXXX or any other on line company or any pay day loan. XXXX On line holdings is no more than fraud. I have file an complaint with the US attorney office as the justice department on XXXX  & Clarity Services Inc for and by I'm on OPT out and XXXX  is using a another company to use deception with merges etc.
Consumer complaint received 2020-09-04
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. (FL)

On XX/XX/XXXX, I submitted a complaint to you, the CFPB, regarding the debt collecting company named XXXX XXXX, they replied saying that they follow all legal rules regarding credit reporting however that is a false statement. XXXX XXXX, continues to report a 13 year old debt without providing any evidence that the debt has ever become due. The original creditor, XXXX XXXX XXXX, only has the original note dates XX/XX/XXXX ( 13 years ago ). XXXX XXXX XXXX does not have any ledger showing when and if this account became due. No documents to show the first day it was late. When I questioned XXXX XXXX, I was told that they have a date of XXXX however, they do not have any documentation provided that date. The only documents that XXXX XXXX has been able to provide me is the note dated the year XXXX ( 13 years old ). When I question XXXX XXXX, they simply say that I have to pay them or they will continue to report it to the credit agencies until I pay it. 

At this point I feel that XXXX XXXX, is extorting me by continuing to illegally report a debt without proper proof of validation. 

Experian is the only credit company who has chosen to continue to report this 13 year old debt, without asking XXXX XXXX for any documented proof of what they are reporting. 

This unfair credit reporting is not allowing me to obtain new credit and or employment causing me financial stress. XXXX XXXX needs to be reprimanded for extortion as they continue to tell me that if I don't pay it ( even though it has past the 7 years ) they will continue to report it.
Consumer complaint received 2020-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Already reported Capitol One 's egregious and fraudulent overdraft fees for XXXX payments, 4 fees charged for a total of {$170.00}. Wrote a complaint to CFPB, and bank then refunded the fees since I did transfer XXXX the day before. They never sent me the letter posted on CFPB, I NEVER received the {$25.00} customer service credit either! 
Please help me get the {$25.00} credit they promised to send to me that they never sent. I also want them to mail me this letter they only sent to CFPB and not me. Disgusting bank practices. Not happy with this bank or their services!
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I open a XXXX XXXX account in XXXX and in XXXX they sent me a XXXX card account because I had a few other cards and didnt want to be late on any payments I was referred to setup Autopay I did and it was set to pay the minimum every month. This was fine till someone made a fraudulent charge in a XX/XX/XXXX and I changed the balance and minimum due however it was more then the minimum I had set to pay and it made the remainder amount pass due which was paid the next week I was told. In fact for the month of XX/XX/XXXX I summited two payments however they reported my account past due 30days in XX/XX/XXXX which it was not. Then when I tried to correct it they claim I had missed payments by posting my payments twice for the same month XX/XX/XXXX and not posting payment for XX/XX/XXXX and still incorrectly reporting me pass due without supporting information. As their records show payments made on time and no pass due amount ever because they just post balance and schedule payments.
Consumer complaint received 2020-11-20
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: EQUIFAX, INC. (NY)

I opened a XXXX store credit card a little over a year ago. Everything was going well and I never had an issue. A few months ago I received a notice that my XXXX card would be converted into a MasterCard. 2 Months ago I noticed XXXX removed the Credit Card and its history from all 3 of my credit reports. My credit score has dropped over 50 points because of this. Im requesting you add the tradeline back to my Credit Reports.
Consumer complaint received 2022-08-15
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. (LA)

in accordance with the Fair Credit Reporting ACT the listed accounts has violated my rights. 
XXXX XXXX XXXX XXXXXXXX account number : XXXX XXXX XXXX XXXX  XXXX Acount number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX  account number : XXXX 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. states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

The merchant has respond twice to claim # XXXX stating that the charges on the account were accurate for the following reasons : -Funds were deposited into the account days before my card was stolen -All of the available funds were not exhausted out of the account -There were no more purchase attempts made after the card was reported stolen. 

In result, it is the consumer 's responsibility for damages. 

Bank of America has failed to do a thorough investigation for illegal and fraudulent charges on my business account. It is completely ridiculous and unfair to conclude that is the consumer 's responsibility because all of the funds weren't exhausted from the account. This is illegal. Under the Federal Consumer Protection Act, my money is supposed to be insured and protected against all fraudulent activity. 

On XX/XX/2020, my purse was stolen in XXXX, TX. My Bank of America Business debit card was used with unauthorized charges in the amount of {$1400.00}. I reported my card stolen to the XXXX Police Department as well as to Bank of America and opened a claim. I was told by a Bank of America claims specialist that I would receive a temporary credit on my account until the investigation was complete. I never received a credit to my account, nor have I received any written correspondents from Bank of America, in regards to this claim. On XX/XX/XXXX, I called Bank of America, and learned that the investigation had been closed, and they couldn't prove fraud because of XXXX transactions day before my card was stolen, and because whoever committed the fraud didn't exhaust ALL funds in the account, which is not usual fraudulent activity. In result, Bank of America is finding me responsible for fraudulent activity on my stolen debit card. This decision is unethical and unjust. The consumer should not be held responsible for any fraudulent activity on a stolen debit card.
Consumer complaint received 2020-11-20
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: EQUIFAX, INC. (CA)

XXXX  CONTINUE TO VIOLATE " FCRA '' SECTION 604, 605,607, 609 AND 623 ( a ) with reporting accounts not mines and sent in letter and document proof 2x from creditor stating the same to remove accounts errors from credit file " NOT MY ACCOUNTS '' ... '' XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX '' ... REMOVE ALL FRAUD ACCOUNTS
Consumer complaint received 2020-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XXXX around the XXXX week I mailed off letters to the credit bureaus TransUnion, XXXX, and XXXX. I have been for sometime now trying to dispute negative items that I do not honestly recognize as mine and I do not know who they belong to. These companies have yet to validate their findings as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) They have yet to validate anything. Because  they have broken the law I would like to process this in a civil lawsuit against them. 

I have made several attempts to correct this matter.
Consumer complaint received 2020-09-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I purchased a brand new car from XXXX on XX/XX/XXXX. On the first week I started to have grindy noisy coming from the brakes. On the first XXXX miles maintenance at the dealership, I asked them to check the brakes and they told me it was fine. On XX/XX/XXXX, XXXX of the brake pads fell down and the company addressed this issue as a manufacture defect and they fixed it for free. On XX/XX/XXXX, which is only after 8 month I started to have this noisy again coming from the brakes but I couldn't take it to the dealer due to the COVID situation. I took it there on XX/XX/XXXX for the same reason and they didn't want to fix it this time. They asked me to pay around {$1100.00} because it's not a manufacture defect. However, the first time they said it was. The car is not even 2 years old and only has XXXX miles. I purchased a brand new car to avoid this kind of headache. The car is XXXX XXXX XXXX. I looked on the internet and I found many people with the same car have the same complain about the same issue.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Reliant Capital Solutions, LLC (MI)

Initial dispute date : XX/XX/2019 I have no knowledge of the account, and the company can not and has not presented the original paperwork with my signature opening the account. I did not open any credit accounts in XX/XX/2019. Yet, the company has stated that I opened this account XX/XX/2019.