davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

I am sending my CFPB complaint today to inform you that I am a victim of fraudulent activities. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance XXXX {$260.00} ; XXXX XXXX XXXX  XXXX Balance XXXX {$1500.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXX/XX/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 Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXX  XXXX Balance : {$380.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is 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 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My account with XXXX 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 XX/XX/year> 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 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 2024-06-21
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

All XXXX loans where placed in my bankruptcy 2017 due to a hardship. XXXX keep reporting to XXXX and Equifax every month that I owe them when the accounts was closed at the Chapter XXXX bankruptcy hearing 2017. 
XXXX and Equifax removes all the account after I submit the claim to yall, but only to replace the XXXX accounts back onto my credit report this month. 
XXXX has not responded in a timely manner to my complaint with yall submitted last month or to me speaking with them over a year ago. 
Why are the reporting I owes them money and the interest keep lower my credit score to the point it damaged my credit. Now I get find no apartment or place to live in my name. What is the reason they aren't following the LAW. 
Every month I dispute the XXXX accounts only to have them removed temporarily. Then XXXX reports what the want to about my accounts that false information to XXXX and Equifax and they go and replace the inaccurate information on my Credit account at both Bureaus over and over again. Please have XXXX Stop reporting inaccurate information about my accounts which are closed. 
Thank you.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NH)

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 2024-06-18
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX
Consumer complaint received 2023-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CT)

A telephone call on XX/XX/2023. Nelnet had no information on on-ramp repayment the representative said there is currently no such thing. They also said that if payments are missed for 90 days then they will be delinquent and if they are missed for 270 they will be in default and referred to collections. I told them it this information conflicts with what I heard about on-ramp repayment. They said the only thing they currently have is fresh start which involves going into default and then being able to fill out a form at studentaid.gov and re-enter repayment in good standing. I asked how long fresh start is going on but they had no information. They said they may have more information next year or next summer.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

It has been brought to my attention that you are not removing files when theyre sent with an XXXX fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law 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 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

I was notified of a fraudulent charge on my credit card. I had not used the credit card a single time since receiving it. I made my case and was transferred to various Barclay 's departments including but not limited to Customer Service, Security, Fraud departments. They initially didn't believe me because they said that the transaction was made through a chip reader and they can not copy those and that I had the card in my possession. I appealed the decision and requested further investigation and won the case. I received a letter saying as much but then today I find out that there was still interest and late fees being applied to the fraudulent charge and that my credit was sent to collections. This led to a drop of XXXX points on my credit score. I just called again and they are " waiving the late fees and interest fees as a courtesy. '' I requested to close my credit card account and an immediate correction to my credit score. There is a " high level security block on the card '' and I was told that I still have to pay an annual fee but there is no way to access my card nor can I close the account because of this block. WHow are they allowed to do this?
Consumer complaint received 2024-06-18
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. (NY)

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of this information. This information is injuring my consumer report and I request that you correct this information immediately. I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 
I insist that you cease reporting this account as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency. The information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In XX/XX/2023 my TransUnion Credit Score dropped from XXXX to XXXX  because there wasn't enough information on a loan I supposedly have. I don't have XXXX XXXXXXXX XXXX right now, I'm not applying for loans, and their credit report on me correctly shows I have no loans. I would like my old score returned to reflect the fact that this information they think is missing doesn't exist.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am filing my report to challenge and scrutinize these accounts that are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} per inaccurate report. I understand that FCRA 605B obliges us to report any erroneous accounts on a consumer 's report.
Consumer complaint received 2024-06-21
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. (MS)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-22
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: Experian Information Solutions Inc. (AZ)

I was checking my credit report on Experian. I have XXXX student loans, one is {$11000.00} and the other is {$130000.00}. My student loan servicer was XXXX XXXX ; however it was transferred to XXXX on XX/XX/XXXX as I entered into the public service loan forgiveness program. XXXX is the only servicer for the public service loan program. Experian currently has both of my loans as active for both XXXX XXXX and XXXX; basically stating I have XXXX student loans with a balance was basically {$300000.00} when in reality I have XXXX student loans with an approximate balance of {$150000.00}. The XXXX XXXX loans were transferred to XXXX, thus XXXX XXXX no longer holds them. I only make payments to XXXX. I have disputed this twice, even providing documentation from XXXX XXXX stating my loans were transferred to XXXX. Experian refuses to remove the incorrect information, basically doubling the size of my student loans. This is making it difficult to secure loans as creditors believe I have {$300000.00} in student loans when in reality it is half of that. I would respectfully request that Experian remove the old loans that were transferred and closed to so my credit report accurately shows the true balance of my student loans. 

Experian stated they investigated my concern and confirmed the balance with XXXX XXXX. I spoke to XXXX XXXX today and they stated they do not have the loan, it was transferred in XXXX, and my balance has been {$0.00} since that time. I do not understand why Experian is having difficulty obtaining this information. This is my 4th attempt to resolve this issue. This should not be that difficult. I am providing additional documentation including the screenshot of my XXXX XXXX account showing my account balance is {$0.00} and the loan was transferred to XXXX on XX/XX/XXXX. I have already submitted documentation, which I will again, from XXXX of XXXX showing my loan would be transferred to XXXX from XXXX XXXX. The documentation I am providing overwhelmingly proves my XXXX XXXX account is no longer active, I do not owe on it, and my balance is {$0.00}. I respectfully ask Experian to correct my credit report.
Consumer complaint received 2024-07-01
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. (FL)

The name listed on the accounts XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX # XXXX, # XXXX. Achieve XXXX Accounts is under a different name than mines also under a different address which does not belong to me. XXXX XXXX XXXXXXXX is under a different name and a different address and is also reporting on XXXX and XXXX with no balance and Equifax is reporting with a balance. Its XXXX addresses reporting on XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, FL XXXX. This is a discrepancy on my credit report and also is enabling me from purchasing a home and have effected my life terribly. I need these accounts removed immediately. I have uploaded my credit reports, driver license and social security card.
Consumer complaint received 2024-06-21
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. (WY)

I am writing to file a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting it to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I demand an immediate correction of this account and compensation for the damages caused and thorough investigation in this account and appropriate remedies as per the law. I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. Please help me correct this account : XXXX XXXX XXXX XXXX : {$29000.00}.
Consumer complaint received 2024-06-10
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)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me XXXX XXXX, even affecting my ability to XXXX I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-06-18
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)

XXXX XXXX XXXX XXXX has failed to provide documentation of the car dealership called XXXX. XXXX XXXX XXXX that XXXX spoke with on XXXX and XXXX without my consent. The auto loan transaction was a fraud transaction from the beginning. XXXX federal credit failed to check the VIN report. Failed to check the correct car value of the vehicle that was price at XXXX not XXXX. XXXX XXXX XXXX XXXX is putting a car that belong to another customer as my responsibility. The customer brought the car from the correct car dealership called XXXX XXXX XXXX with the title of the car. XXXX XXXX XXXX XXXX is falsely reporting the auto loan account has passed due for XXXX, XXXX as of XX/XX/24. XXXX XXXX is aware the car belongs to someone else. Management is aware of the car dealship stating the car was sold to another customer. Refusing to clear the balance on a close account that is negatively impacting my credit score. There should no balance on this auto loan this is fraud. 
This is due to XXXX XXXX XXXX negligence the transaction is a fraud business exchange. Dispute auto loan and fraud payment history from my credit report. XXXX XXXX is charging me interest on my credit card as of XX/XX/24 XXXX has taken {$520.00} from my credit credit to pay the auto loan that is a close account. This is fraud, and theft and false information. I want my reimbursement for my credit card this is retaliation against a customer.
Consumer complaint received 2024-06-20
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 am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also XXXX Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under XXXX XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX XXXX ( XXXX ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.