davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian continues to report incorrect and illegal information on my consumer report. I have been trying to get this information corrected and they refuse to make the corrections. I have again sent a certified letter to Experian with Exhibits highlighting the personal information and the accounts that are all reflecting incorrect reporting. They have been tarnishing my reputation and hindering me and my credit worthiness. This false reporting has been causing me undue hardship as I have not been able to successfully obtain a vehicle and affordable domicile. It is their grave responsibility by law to report correct information on a consumer 's report and also do their due diligence in verifying the information that is being reported to them from creditors before even reporting anything on a consumer 's report. Had this been done, most of these accounts would not have been reported to being with. There are multiple accounts that are have inconsistent information being reported across all 3 credit reporting agencies including personal info, account numbers, open date, closed dates, amount owed, payment history. I have attached the documents to this complaint that have been notarized and certified mailed to Experian.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-16
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. (TN)

I am filing this complaint because I have noticed several collection accounts on my credit reports that I do not recognize or have any knowledge of. These accounts are inaccurately listed under my name, and despite my repeated attempts to resolve this issue directly with the credit bureaus, no meaningful action has been taken. 
I have submitted multiple disputes with supporting documentation, requesting the verification and removal of these erroneous accounts, but the credit bureaus continue to report them as valid without providing any substantial proof. This has caused significant harm to my credit score and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (GA)

I am reaching out to file a formal complaint regarding unauthorized inquiries that have been added to my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a consumer reporting agency may only provide my credit report to third parties under permissible purposes as defined by the Act. The following inquiries appear on my report without any authorization and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not approved by me, and no legitimate application or request for credit was made to warrant these entries. Per the FCRA, credit reporting agencies are responsible for removing unauthorized or erroneous entries from my report once they are brought to their attention. 

Additionally, credit reporting agencies have previously been sued for failing to remove unauthorized inquiries, as in the case of " XXXX v. XXXX '', which highlights their duty to act promptly in such matters. Despite my attempts to resolve this directly with the agency, the inquiries remain. 

Thank you for your attention on this matter
Consumer complaint received 2024-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

On XX/XX/XXXX, an extra payment in the amount of {$120.00} was withdrawn from my checking account. On XX/XX/XXXX, I was still currently in forbearance, which was supposed to end on XX/XX/XXXX, meaning payments would resume XX/XX/XXXX ; however, they charged me for XX/XX/XXXX. I called and got the situation figured out, and I confirmed that the call was recorded so I could have proof that a refund was being issued. I waited and waited, and called again ( I dont know the exact date ) to confirm it was being processed and I was reassured that it was, however it can take up to 30 business days. Then, 30 business days go by and I speak with someone else. She connects the call with her supervisor and they reassure me that the process has been expedited so it should be to me in about 5 days. This was about 2 and a half months ago. Ive called multiple times since then and I get the same answer each time. Now when I call, it says up to 90 business days, meaning since Ive called it has been 132 days waiting for the money that they wrongly took out of my account. When I try calling to sort out the issue, I press numbers on the auto call operating system and follow the prompts, and it doesnt not connect me with an agent. Half the time the operating system says the social security number doesnt have an account, which I check and confirm multiple times each time. Some times it works, some times it does not. 

Today, XX/XX/XXXX, marks 90 business days, and the money is still not back into my account. I feel like because they made a huge mistake of charging me when they shouldnt have, promised me the refund, and its still not in my account, I declare it as theft. Because they unexpectedly charged me, I also had an overdrawn bank account, so my bank charged me {$35.00} because I was not expecting anything to be taken out. Now its reached a point where if I call, I dont think Ill even get the overcharge refund back because its been so incredibly long. 

I am incredibly angry, and Im willing to go to deep lengths to make sure everyone is aware of how sneaky Mohela is, as Ive read about many other people having issues with them as well. Words can not express how livid I am that I still do not have the money back into my account, especially when Im a struggling lower class person with a newborn child. I want this sorted out absolutely as soon as possible, and Im done calling and asking ; I want my money now.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$21000.00} 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 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)

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2023-01-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (WI)

Credit acceptance corporation violated my consumer rights by entering me into a false and deceptive contract. 
They never showed or offered me a non disclosure form, allowing me to opt out of my personal information being sent. 
They refused payment that was sent through the mail in coupon form. Ucc 311. Ucc 3-419, UCC 3-311 .

Remittance transfer payments. 18 usc 8.

They ignored multiple letters to Cure the situation.

They required me to place a {$6000.00} down-payment to purchase my vehicle which is Illegal during a consumer credit transaction, open ended transaction.

Charged me an illegal finance charge. 15 USC 1605. 0 They proceeded to sell my information to a a third party repossession firm and took the vehicle off my property without my permission. 15 usc 1692, 1692f. 15 usc 6802
Consumer complaint received 2024-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (CA)

Hello. I have been harassed by XXXX XXXX for a few years now. Back in 2022 I told them I wanted to cancel my services. I called them many times and told them. I also e-mailed them a few times. I also sent them a letter in writing. I also told them when I paid them my last payment. I told them for many months. XXXX keeps trying to bill me. 

They sent the account with a collection agency XXXX XXXX and XXXX and I also sent them proof of my cancelation. They stopped collecting but now Zions is trying to collect. They sent me a letter saying I owe money. I asked for help from credit company and they told me we should send proof of cancelation to the collector. The credit company did it for me by e-mail, and the collector just keeps trying to collect when they have proof that I cancelled services with XXXX multiple times. 

I will give you e-mail chain from the credit company that shows how the collector Zions is trying to continue to collect illegally. They say I did not have cancelation filed when I did have cancelation filed. Now they are lying and not looking at the paperwork. Please tell them to stop. I already fought this once and I am not going to keep fighting when a new collector gets the account. I will sue if I have to.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

Recently i did an investigation on my credit report and I found several items to be inaccurate. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX 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 an account without my written instructions 15 U.S.C. 1681C. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-14
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently checked my credit report and noticed some un authorized inquiries on my report, that i do not have knowledge of giving my consent too. Here are the unrecognized inquiries XXXX XXXX XXXX XXXX XX/XX/year> and XXXX XXXX XXXX XXXX.Can you please assist in getting these removed off my credit score.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (OR)

I am enrolled in the credit card " opt out permanently '' protection program. " Chase for Business '' has ignored my enrollment in this program and continunes to barage me with Chase Visa card applications. Ive contacted them three ( 3 ) times asking them to stop sending me these application but they continue sending them. Can you help me stop Chase 's violation of my " opt out permanently '' enrollment?
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-28
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. (OH)

On XX/XX/22 I Contacted Transunion By Phone And Spoke With A Transunion Representative Failed To Provide Me The Consumer Accurate Information Inside My Credit File. Violation1 Secondly, Transunion Representaive Was Rude And Sacastic And Refuse To Anser My Question As Consumer. 2nd Violation 3rd Transunion Representative Intentionally And Willfully Hung Up The Phone In My Face Faking As If She Couldn't Hear Me. The Call Ended. It Was Not A Bad Signal. I Have A Witness! Transunion Has Failed To Provide Me Verifiable Proof of The Original Creditor Signiture. Transunion violated 15 U.S.C 1681 ( a ) ( 1 ) ( 2 ) 15 U.S.C. 609 ( a ) ( b ) 12 C.F.R.1692 ( a ) ( b ). I Have Reason To Beleive Criminal Activity Is TAKING place Inside Transunion Concerning My Information. Fraud, Identity theft
Consumer complaint received 2024-10-16
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. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm sendig this complaint because I have submitted my dispute letter to Transunion since I become a victim of Identity theft, I was disputed hard inquries on my report that been placed by FRAUD. I have Fraudulent Hard Inquiries on my credit report. Someone applied to XXXX XXXX in order to get some goods or benefits or funds, I didnt apply for it. I enclosed in this letter an FTC report for all mentioned fraudulent inquiries and the copy of my ID. Here is the list of Fraudulent Hard Inquiries : XXXX AXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX AUTO Auto Loans XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous Automotive XX/XX/XXXX TransUnion XXXX AUTO Auto Loans XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX OF XXXX Auto Loans XX/XX/XXXX TransUnion XXXX FIN SVC Auto Financing XX/XX/XXXX TransUnion XXXX XXXX XXXX Dealers, Used XX/XX/XXXX TransUnion XXXX BANK Auto Loans XX/XX/XXXX TransUnion XXXX XXXX XXXX  Auto Financing XX/XX/XXXX TransUnion XXXX FIN XXXX  Auto Financing XX/XX/XXXX TransUnion XXXX XXXX  Auto Loans XX/XX/XXXX TransUnion XXXX XXXX  Auto Dealers, Used XX/XX/XXXX TransUnion XXXX XXXX  Credit Card XX/XX/XXXX TransUnion XXXX XXXX  Bank Credit XXXX XX/XX/XXXX TransUnion These hard inquiries dont belong to me, please remove them from my credit report. Thank you very much for your consideration and help, I really appreciate it. 

They are not factual data, they are result of fraud activity. 
Please remove them immediately. I have included copy of FTC Report that I filed and copy of documents to verify my identity : SSN, ID, proof of addrss
Consumer complaint received 2024-10-14
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. (TX)

An hard inquiry showed up on my credit report on XX/XX/year> from Institution Information : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX I call and spoke with three different representatives, one of which their name is XXXXXXXX XXXX XXXX XXXX, and they all told me that none of my information such as SS #, XXXX or name was in their system under an application or credit card. They all assured me that that company did not run any credit report for me. Then I reach out to all three credit bureaus, TransUnion, XXXX XXXX XXXX and they all told me that I needed an Inquiry Deletion Letter from XXXX to get it removed from my credit report. Upon reaching out to XXXX to retrieve this letter the company informed me that since they did not run my credit or had my information in their system they could not provide this letter to me. I went back and forth with the credit bureaus and got nothing accomplished. They all are requesting this letter, which I can not obtain. Plus no one is giving me an explanation on how and why this is on my credit report.