davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-04
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)

On XX/XX/XXXX I wrote a complaint about the this company and the misleading data on my credit report due to them. I am now preparing to file a lawsuit due to purposely and intentionally furnishing inaccurate and false data on my credit. They responded on XX/XX/XXXX that I am a victim of fraud yet with no resolve so I will seek 1 % of the gross revenue and {$1000.00} per violation. ACCOUNT NAME XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above STATUS Company responded there may be potential fraud involved on XX/XX/XXXX
Consumer complaint received 2023-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

On XX/XX/2023, my servicer -- EdFinancial -- indicated that they had submitted a refund for {$21000.00} for approval by the Department of Education. More than two months later, I have not received that check or any useful updates about its status. I have tried numerous times to get resolution from Edfinancial, but in each call they simply say the refund is " processing '' without telling me what that means and when I can expect to receive the check.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

Early in XXXX I received a notification from XXXX XXXX   asking if I had closed a account with XXXX  XXXX, I had not. They filed for bankruptcy and they are having to close most of their stores. I disputed it and after " resolution '' I am still down XXXX points on my credit score from this, which took me from a good standing to a mediocre XXXX. I have now been in contact with XXXX XXXX the past few days and they are giving me the run around. On their website it shows no where that my account is closed and would still let me change my credit limit on it if I wanted to. They could not verify that my account was closed or why it would be closed or literally tell me anything. Each time a different no name person responds with answers that do not answer anything. I asked them why my account was closed and inquired as to why I never received anything in the mail, any notification on their website in their notification center, or received anything to my email ( which they are still currently sending me emails for their huge sales on clothes they are trying to get rid of ). When i opened this card it never had to be continuously used, I did not have a outstanding balance, I never payed late, I never had a single negative mark on that account.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

I received a notice that the status of two of my XXXX accounts had changed from " open '' to " closed ''. In addition, one of the loans was showing 4 late payments in a row. I have never missed a payment on one account and had only one XXXX day late ( in 2016 ) on the other. ( account numbers XXXX on one account and XXXX on the other - detail attached ). 

I contacted XXXX XXXX letter attached ) and they indicated it was an error to report such information to the credit bureaus. They would remove it XXXX XXXX XXXX XXXX  ). They removed the 4 late payments but the bureau did not update the status to " open ''. This is artificially lowering my credit score and costing me thousands of dollars. This would be considered negligent non-compliance with the FCRA which requires the bureaus to report the proper current status of an item.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Despite this debt being in dispute and its unliquidated character you continue to XXXX  inaccurate facts on my credit report. You have an outstanding amount due on my loan portal of {$13000.00} last month and {$15000.00} this month. Obviously you have not been paid. But you report you have been paid off on my credit report. That is inaccurate. XXXX XXXX XXXX XXXX, NY XXXX Recently reported the debt as paid. Nope. Not paid. Not yet. Prove it with a payoff statement. U cant. XXXX XXXX  has yet to hold this debt.
Consumer complaint received 2023-09-01
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)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-09-01
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$610.00}.
Consumer complaint received 2023-09-01
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. (OR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Or XXXX XXXX XXXX I would like to file this complaint against Transunion for reporting unacurate information to my credit file for last of years, Transunion a credit reporting agency has received numerous disputes from me issues with unaccurate credit reports, difficulty disputing errors and poor customer service some have also expressed my frustration with Identity theft with Transunion lack of transparency i have been complaints to Transunion about unauthorized charges from XXXX XXXX XXXX co and XXXX these accts were openned in my name fraudulently without my knowledge and there are more than 150 fraudulents inquiries in my credit file due to My drivers licence and my Social security card were stolen more than 4 times and I reported to all Three credit bureaus with a police report but Transunion ignored the police report anyway transunion told me they won't remove thse unaccurate report from my credit report I did not opened cell phone with XXXX and XXXX  from last couple of years i sudmited a lot of disputed to transunion until today transunion refused to remove these unaccurate reports I need some help to from CFPB to get my life back on track i have been tried to buy a house but transunion hold my back and i always turndown from credit bureau I have been writingTransunion for a year now I have not seen anytype of results but Negative.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

I disputed charges of fraud with XXXX XXXX for my bank to reimburse me of charges. I did authorize charges but the company scammed thousands of patrons for the music festival. XXXX  XXXX  ( place whew event was to take place has filed a lawsuit against music getaway ). I submitted proof of XXXX letter and letters from other patrons, I have submitted a claim twice to her funds back to no avail. There is a XXXX XXXX dollar lawsuit against the company form several people and they have sinced changed the name of the company. Please help me to get my funds replaced so I can also drop Citibank as my primary banking source. The payments made to music getaway for rooms and concert are never made to XXXX XXXX to secure rooms, I was informed that my account was canceled and not to show up because hotel-was sold out, not true, ( I went online and was able to book a room within hours of them telling me that ). I have proof of others stating they told them their account was canceled also for missed payment, that was my first t clue that something was amiss, I had ample money in my account to cover all payments, the company stated they tried calling me and emailed me, not true
Consumer complaint received 2023-11-03
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. (DC)

I Have reached out to all 3 Credit Bureaus and they have given me the run around I have sent in my FTC report in months ago here are the inquires and accounts that need to be removed Immediately. 

Account Name and Account number XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquires XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (FL)

Santander consumer USA has been charging me a lot of interest, almost 70 % of my XXXX-XXXX  payments goes directly to interest. I got the car in 2014 and have been paying XXXX for 6 years and still owe them {$7000.00} dlls when the car price was XXXX dollars at 18 % interest rate, thats too high. I already paid 72 monthly payments of approximately {$380.00} dlls, that makes {$27.00}, XXXX dollars, and still owe them {$7.00} XXXX. Thats way too much, I didnt buy a luxury car to pay that much money. Please check this fraudulent company, theyre taking advantage of hard working people.
Consumer complaint received 2023-09-01
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: EQUIFAX, INC. (GA)

I am formally request to dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts and Bankruptcy. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. I assume for your immediate assistance to correct or remove the following accounts and Bankruptcy : XXXX XXXXXXXX XXXX Balance Owed : {$2100.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 

XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXX XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Consumer complaint received 2024-09-18
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)

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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-05-09
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. (TX)

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. 

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 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 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-08-08
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. (IL)

I notified XXXX XXXX and Equifax and experian About fraud accounts and I also notified the companies that these companies did not have my written consent to report to any 3rd parties and or share my information with any 3rd parties. 

15 USC 1681 ( a ) accuracy and fairness of credit reporting.

( 4 ) There is a need to insure that consumer Reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

15 USC 1681a ( 2 ) EXCLUSION - EXEPT AS PROVIDED IN PARAGRAPH ( 3 ) THE TERM " CONSUMER REPORT " DOES NOT INCLUDE ( i ) REPORT CONTAINING INFORMATION SOLEY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT.
Consumer complaint received 2020-06-12
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$21000.00} CHAPTERXXXXBANKRUPTCYDISSED
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

I am writing to you as the holder of account number ( XXXX ) ( XXXX ) for my credit card to report an issue that is negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors are required to send periodic statements that include all information required by Section 1637 ( b ) at least 21 days before the payment due date. This ensures that consumers have sufficient time to review and make necessary payments without being penalized for late payments.

Additionally, the FCRA, specifically 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. 
I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 
The details of the late payments reported to your agency are as follows : XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX Late Payment Date : XX/XX/XXXX XXXX  Payment Status : 30 days late. 
XXXX Last Payment Date : XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Late Payment Date : XXXX, XXXX XXXX Payment Status : 30 days late. 

In accordance with 15 U.S. Code 1681i, I request a full investigation into this late payment report, and I expect the information to be corrected. As per 15 U.S. Code 1681s-2, data furnishers are responsible for ensuring the accuracy and completeness of the information they report. I request that this late payment be either removed from my credit report or updated to reflect the accurate payment status. Additionally, I request that you send me an updated copy of my credit report reflecting these corrections once the investigation is complete within the legally mandated time frame.