davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
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. (TN)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U, S.C. 5 1681i, every single one even each or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety or the alleged accounts are to be completely deleted. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment on my credit report : ( dispute item and explanation ) I am demanding that these accounts be deleted. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. I await your reply with the above-requested proof. Upon receiving it, I will correspond back with you by email or directly from dispute centers.
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (PA)

I'm not sure what company this is. All it says on my credit report is Credit Corp Solutions-Line of Credit for {$1700.00}. I have never heard of Credit Corp and I didn't borrow this dollar amount! So I'm disputing these charges!
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (UT)

Misuse of Product - LexisNexis IAPD Case : XXXX, Incident : XXXX, Requested an audit of any and all search ( es ) made of my personal information, my minor childrens personal information, as well as associates, friends and family members, made by user employed at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX Nevada. User/employee illegally used LexisNexis to monitor background, credit, and worth ; has searched information of usefulness in credit, income, assets, and capital, as well as debt information about myself, my XXXX children, and other associates for reasons other than work related. Illegal searches were made approximately XXXX through the present. 

XX/XX/XXXX, I called LexisNexis; started an investigation and the rep told me I would receive the results by mail within 60 days. I have received nothing from LexisNexis and my attorney 's subpoena goes ignored or redirected.
Consumer complaint received 2023-08-10
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. (NJ)

My solar company ruined my credit rating by stating that I had late payments. I have every statement from them which states You are currently enrolled in autopay and this invoice is for your information only. I disputed this with experian but was told that The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Despite the fact I sent a photo of the invoice in question.
Consumer complaint received 2023-08-10
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. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-08-10
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. 
I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX CA XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

First national bank purchased my accounts from XXXX XXXX XXXXXXXX in 2015 without my knowledge and transferred my XXXX accounts ( which at XXXX were non fee based ) into fee based accounts of which the balance didn't meet the minimum threshold to avoid fees. They then subsequently drafted the accounts down to nothing and closed them for insufficient funds. When contacted, they offered to move my miniscule remaining funds into non-fee based accounts. ( If that was an option, why weren't they transferred into those accounts to begin with? ) Regardless, they refused to make me whole and reimburse me for the funds stolen. In light of the news about the B of A finding and the trouble that XXXX has gone through with a very similar situation. I would like the CFPB to begin diligent investigation into FNB and realize they've stolen my money for no services rendered. I, not once, deposited, withdrew, or utilized any of their services. They simply transferred my money in, placed it in nonequivalent accounts, debited without my knowledge, and then closed my accounts, effectively stealing from me ... .all " legally '' of course. I reached out to many individuals giving them the ability to make it right, all, of course, falling on deaf ears. They acknowledge that they took the money in accordance with their fee schedules... .fee schedules that I never acknowledged or understood until it was too late... .I 'm still shocked this has been condoned by the company rather than apologies issues and restitutions paid... .simply stunning.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (AK)

I am not sure why this continues to happen, but it SHOULD NOT be. Dept of EDXXXX has popped up on my credit reports as having a student loan of {$35000.00}. I attended XXXX XXXX XXXXXXXX XXXX in Tennessee in XXXX. The loan was originally with Navient. It has been paid in FULL. I have documentation showing that. Somehow, XXXX started reporting in XXXX  and after some back an forth and the documents from Navient showing it was paid in full, they took it off my reports. Now, after almost 4 years, it is back with Dept of EDXXXX ... . I am so tired of fighting this and people being allowed to just throw XXXX onto my report with NO proof, no contact with me, the reporting agencies just let anyone say " they owe me '', and they will report ANYTHING whether true or not and mess up people 's lives. I want this taken off for the LAST time! How is a PAID IN FULL student loan from 25 years ago being put back on my report time after time. People REALLY need to fact check. The report agencies SHOULD NOT be allowed to report something from this long ago, especially when PAID in FULL. I think because my information keeps getting pushed around, the agencies seem to think it is " new ''. Regardless, it needs to come off immediately!
Consumer complaint received 2022-11-09
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: EQUIFAX, INC. (NJ)

I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. Equifax is violating my federally protected rights per 15 USC 1681 by reporting inaccurate incomplete and fraudulent information to my credit report that is being furnished by unauthorized and predatory 3rd party companies. I have been disputing these accounts as fraud since XX/XX/XXXX. I have yet as of XX/XX/XXXX received any proof of permissible purpose for reporting these fraudulent accounts. Every time I write to or call equifax they claim information being reported has been validated but I have yet to receive any documentary evidence that supports the permissible purpose of this information being reported or furnished on my equifax credit report which not only violates the FCRA but also the FDCPA per 15 USC 1692. If the companies furnishing these accounts to equifax are not able to provide debt validation or proof that they are the original holder of the note of indebtedness that legally allows them to still be able to collect or retain the debt, then the accounts shall be deleted immediately. Equifax seems to lack impartiality as they have been claiming for over a year that these debts have been validated without permissible purpose or evidence because they are gaining financially from these unauthorized third-party companies who pay Equifax to report fraudulent consumer credit transaction history. Please see attached notarized identity theft complaint and affidavit, identification documents such as NJ issued driver 's license and my current insurance bill, as well as all police reports, FTC identity theft and fraud complaints, and CFPB complaints that have been received by equifax and all unauthorized 3rd parties listed in the notarized affidavit and complaint.
Consumer complaint received 2023-07-26
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. (IL)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (TN)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2022-12-30
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. (MN)

To whom it may concern, I reviewed my credit report and found grave errors that the company is reporting to my consumer report as late or missed payments, and because of this I am being discriminated against to extent my credit. The inaccurate consumer reporting is causing great harm to my reputation and injury to my character. This is a violation of FCRA 15 U.S.C 1681 ( 4 ) ( b ) These accounts where never late or missed a payment. I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed.

Again, I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed within 30 days of the receipt of this letter. 
XXXX XX/XX/XXXX ( Not more than two payments past due ) XX/XX/XXXX ( At least 120 days or more than four payments past due ) XX/XX/XXXX ( 30 days past due ) XX/XX/XXXX - XX/XX/XXXX ( 30 days past due ) XX/XX/XXXX ( Settlement accepted on this account paid collection ) XXXX XX/XX/XXXX ( Payment after charge off / collection ) XX/XX/XXXX ( Not more than two payments past due ) XX/XX/XXXX ( 120 days past due ) XX/XX/XXXX ( Settled ; less than full balance ) XX/XX/XXXX ( Payment after charge off / collection ) Experian XX/XX/XXXX ( Paid, was past due 60 days ) XX/XX/XXXX ( Current, was past due 30 days ) XX/XX/XXXX ( 30 days past due )
Consumer complaint received 2023-08-10
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. (MD)

Dear Sir/ Maam To whom it may concern, I have a few late payments to my Loan # : XXXX which is now current and up-to-date payments immediately executed. On XX/XX/XXXX my wife XXXX  unexpectedly. 
Her XXXX  was and still is a severe setback for me in many ways. She was the finance specialist of the household and I did not handle bill payments for almost XXXX decades. 
Her XXXX  unfortunately deeply affected my bill-paying capabilities. Not financially, but just learning the strategy of paying.

Our mortgage was set up with an institution that closed or inactivated our account upon notice of my wifes XXXX.

The majority of our bills like this one are on auto-pay. By inactivating the account ( un unknown to me ) while the funds were in the account the mortgage payments were not processed. 
As soon as I was notified ; the problem was corrected and I have set up autopay once again now with XXXX. I have also written Experian, XXXX, and XXXX to rectify the credit issue. 


Thank you in advance for your assistance to resolve my situation. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  MD. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Acct # XXXX
Consumer complaint received 2023-08-11
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. (NE)

I don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to XXXX.
Consumer complaint received 2023-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION (NC)

In XXXX, I sent XXXX to my contractor from my business account XXXX XXXX XXXX at XXXX XXXX XXXX to my contractor 's business account - XXXX XXXX XXXX at Navy Federal Credit Union. Owner of account is XXXX XXXX. Because she wasn't able to receive the funds, I did a wire recall with XXXX wire department. After months of waiting, I decided to do a XXXX report and XXXX was able to get the funds back, upon receipt, they said Navy requested the funds back, I called my contractor and she said she never did a recall to get it back. XXXX has sent my funds to navy and Navy is stating it was sent the wrong way so they are holding on to my funds- which is theft!!! I've been waiting for a few months for this to be resolved and it isn't so now I'm reporting Navy Federal for stealing my MONEY!! 

XX/XX/XXXX XXXX XXXX sent my funds back to Navy Federal, below is the info : IMAD # : XXXX TRN # : XXXX The original case # with XXXX is : XXXX I would like to know where my funds XXXX sent to Navy is and I want Navy to send them back to my Business XXXX account so XXXX can give me my funds!! This has caused me pain, suffering, and stress for my business. I am reporting Navy and XXXX for not resolving this matter. 

Thanks
Consumer complaint received 2023-10-27
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. (IL)

I am writing this letter to urgently bring attention to the fraudulent personal information linked to my identity. I noticed certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. Regrettably, I have become a victim of identity theft and have taken immediate action by reporting the incident.
Consumer complaint received 2023-08-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: AAA Auto Title Loans, LLC (NV)

I don't understand how I'm making the same payments every month and different amounts are applied to the Principal. 
My balance in XXXX was {$1000.00} - after a payment of {$170.00}. {$110.00} went to XXXX  & {$62.00} went to the Principal. 

XXXX a payment of {$190.00} - {$110.00} went to Interest & {$78.00} went to the Principal. 

XXXX a payment of {$190.00} - {$170.00} went to Interest & {$20.00} went to the Principal. 

XXXX a payment of {$190.00} - {$190.00} went to Interest & {$.00} went to the Principal. 
My balance today is {$1000.00} after making XXXX payments of {$190.00}. 

**They are charging way too much Interest. {$190.00} and ONLY XXXX cents is subtracted from the loan amount. This should be against the law. 99 % INTEREST. ** Cash XXXX KNEW that I get paid from Social Security XXXX on the XXXX of EVERY month because they ask for verification of income. And every XXXX of the month, they have taken out the payments. 

If they thought I wasn't able to payback the loan on THEIR Terms, they shouldn't have offered the loan. Instead, they add monumental amounts of Interest in an effort to profit - and this should be illegal.
Consumer complaint received 2023-07-05
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: SANTANDER HOLDINGS USA, INC. (IA)

This was ran without my consent from XXXX XXXX 's dealership ( rep ) sent out letters quote to ask them to remove from my profile and I've called and nothing happened still effecting my and scoring needed removed asap
Consumer complaint received 2024-08-09
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: Experian Information Solutions Inc. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.