davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (CO)

We are refinancing our XXXXXXXX XXXX from Truist Bank XXXX XXXX XXXX XXXX XXXX in Colorado. We initiated this process in late XX/XX/year> and were given a check from XXXX XXXX to send to Truist to pay off the car. Truist screwed this up by not sending XXXX XXXX a photo of the back of the check so XXXX XXXX cancelled the check. XXXX federal provided us the funds to XXXX pay off the car through the Truist portal which we called in and did on XXXX of XX/XX/year>. Truist send us a noticed that we were fined a {$20.00} return check fee for THEIR lack of ineptitude. it is now XX/XX/year> and neither my bank or us have received the title or lien release letter. I called Truist and only then did they start that process which is unacceptable. XXXX XXXX has since sent us 2 notices warning that they haven't received the title and after 3 warnings we'd have to file for an extension. Truist will never get my business again. I need Truist to fix this issue yesterday.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: OneMain Finance Corporation (AZ)

Called to remove auto-pay on the account they refused and said I had to add a different account to pay with. This was not required to open the account. My husband was diagnosed with XXXX XXXXXXXX XXXX again his hours at work are XXXX of normal during treatment. We decided to us a debit relief service this way we pay our debit but cant do that if the credit account. Makes there own rules. They flat out refused to remove auto pay and also refused to let us change the phone number on the account
Consumer complaint received 2024-08-01
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: National Credit Adjusters, LLC (OH)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution.

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records o
f convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2024 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-01
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. (OH)

**Inquries** All of these inquries have been totally illegal and was not authorized on my part. I just hired a credit specialist to work on my credit and I need to have all of these removed as soon as possible. All these inquiries were from car dealers and I have never applied to anyone of these dealers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Subject : Request for Removal of Inaccurate Information under FCRA Compliance I am writing to formally request the removal of inaccurate information from my credit report, as stipulated by the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate. In particular XXXX XXXX. This entity, XXXX XXXX must be reported as disputed due to FCRA violation until its resolved by being removed from all three credit reporting agencies. 

As of XX/XX/year>, I initiated disputes regarding several items that continue to negatively impact my credit. Despite my efforts, the inaccuracies remain, and I seek your immediate attention to correct them. 

XXXX. Discrepancies in Verified Information : All three credit reporting agencies ( XXXX, TransUnion, and XXXX ) claim to have verified information with XXXX XXXX, yet each agency has concluded different amounts that I allegedly owe. This inconsistency directly violates the FCRAs requirement for accuracy. If the information were truly verified, the amounts would be uniform across all reports. 

XXXX. Misreporting of Alleged Debt : The alleged debt from XXXX XXXX is reported as a write-off, indicating that the IRS has already credited this entity for the debt. This raises further questions about the legitimacy and accuracy of the debt being reported on my credit report. 

XXXX. Inaccurate Personal Information : My name and address are inaccurately reported across the credit agencies. I have only one name and one address : - Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX has inaccurately reported my name as " XXXX XXXX XXXX '' on XX/XX/year>. After filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), XXXX then reported my name as " XXXX XXXX XXXX '' as of XX/XX/year>, but still did not address my disputed items. Recently, XXXX requested verification of my address by asking for a light bill, which further complicates the process and delays the correction of inaccuracies. 

The bottom line is that these XXXX agencies are required to report accurate information about me, and they have failed to do so as per the FCRA. Therefore, I formally request the permanent removal of the XXXX XXXX entry from all three of my credit reports with XXXX, TransUnion, and XXXX. 

Please ensure that my name is correctly listed as XXXX XXXX XXXX and that my address is accurately reported as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 

Thank you for your prompt attention to this matter. I expect a resolution. I look forward to your confirmation of the corrections. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX credit card has failed to inform Experian credit reporting Bureau that my credit card account was closed when I filed bankruptcy in XX/XX/year>. I need for XXXX credit card to contact Experian and to indicate to Experian that this credit card account was closed XXXX years ago and that is no longer open. XXXX credit card needs to add a remark onto their account on my Experian credit report saying that my account was closed in XX/XX/year>XXXX XXXX
Consumer complaint received 2023-10-04
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (OK)

I got a notification from XXXX XXXX on Tuesday XX/XX/XXXX that my credit score at dropped XXXX points. I logged in and realized someone had opened a credit card in my name and spend XXXX $ on it. I immediately contacted the company and told them it was fraud and filed a claim. They told me they were going to send me an affidavit in the mail for me to fill out and send back then they would open an investigation. I still have not received the affidavit. I have contacted them numerous times since. Each time they tell me they will email for it to be resent. This past time I talked to a supervisor and was told it would be emailed. 3 days later and still no email. I have filed a police report and an identity theft report.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Hi, Last XXXX I came across a great deal on XXXX XXXX  for an air purifier, big discount and 0 % interest over 6 months. I had no idea itll be reported as a consumer finance loan on my Experian credit report. First surprise was the purchase being reported as consumer finance loan, permanently marking my otherwise great credit profile as risky. After completing the payments on time, I reached out to XXXX, explained how their small paid off loan is resulting in a XXXX points drop on my credit report, banks are declining my credit increase requests and I fear Ill be penalized for it as I get ready to buy a home. XXXX  call center simply kept me on hold before disconnecting the call after a wait of 20 minutes, twice. The only feedback I got was XXXX  reported it as per policy. I wouldnt have gotten this small loan if I knew itll be reported and would be considered a risky consumer finance loan. The categorization of the loan was not mentioned anywhere in their documentation I understand their mandate on accurate credit reporting but penalizing my whole meticulously manage credit profile over a {$200.00} paid off loan is just not fair. Experian and buy now pay later industry needs to get their act together, agree on a suitable category for such loans before they penalize consumers for not very transparent gotchas they got hidden in their agreements. 

I request that XXXX  consumer finance loan entry be struck off my Experian credit report in good faith, helping me ensure I can buy and afford a house for my family at favorable rates I deserve based on my real credit profile.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

There is a fraud alert freeze on my credit. 
Everything I apply for I get denied I have nothing negative on my credit.it says for the creditors to call for verification but just deny me I need this fraud alert lifted immediately
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX OPENED AROUND XX/XX/XXXX UNDER ACCT # XXXX XXXXXXXX XXXX XXXX # XXXX COLLECTIONS OPENED AROUND XX/XX/XXXX A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses, and a list of the questioned addresses are attached. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.
Consumer complaint received 2024-07-09
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)

My accounts 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 to be removed/updated. 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. 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!
Consumer complaint received 2024-07-09
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)

Hard inquires is taking a huge affect on my credit history. There is way too many and it has been over 3 months with me requesting removal. I have never applied for any of the places that has been reporting. Im also having difficulties getting these fraudulent accounts eradicated from my report because it is effecting me from moving forward. I would like for someone to seriously investigate my case.
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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. 

Account name : XXXX XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX Account # : 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 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 XXXX 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 2024-07-31
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. (FL)

I reviewed my Consumer Reports and noticed that I had several late payments on an account that I was never late. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 

Thanks.
Consumer complaint received 2024-07-31
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. (CA)

My Information has been compromised and as a result someone open some fraudulent accounts without my knowledge. I never given anyone consent or permission to open anything under my name and social. The following accounts are a result of fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also the following inquiries are also fraudulent : 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 2024-08-08
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. (WA)

Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.
Consumer complaint received 2022-12-05
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.