davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OR)

I XXXX XXXX Never applied to any such credit product with any such company. I XXXX XXXX Never gave written authorization or permission to any company wishing to lend any such services.
Consumer complaint received 2024-08-17
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. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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 XXXX  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 XXXX  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 2024-07-10
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX 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 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 2023-04-12
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: EQUIFAX, INC. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MN)

I am not able to view my credit information. They have the wrong name on my credit file as XXXX XXXX XXXX. I keep getting error code XXXX. I have provided them with my driver 's license and ss card in the past, but they will not update my credit file nor will they allow me access to view my credit score. I have also mailed in my documentation proving my identity and still I don't have access to my credit file.
Consumer complaint received 2024-07-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

On XX/XX/XXXX I called credit acceptance and told them that i made 2 payments that were erroneously made into the wrong account they told me they was gon na fix it and either refund the money or credit the money to my account with them, few days later I call them and they told me the money was removed from the other person account and it was going to be either refunded or credited into my auto account as of todays date they do not know wheres the money at!
Consumer complaint received 2024-07-10
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. (NV)

I am reaching out to notify you that I have fallen victim to fraudulent activity. In my efforts to understand how to remove fraudulent items from my credit report, I learned that I need to file an identity theft report with the Federal Trade Commission at https : //www.ftc.gov. As stipulated by FCRA section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report, with reference number XXXX. The attached documents should facilitate the removal of the fraudulent accounts, erroneous personal information, and inquiries from my report. Below is a list of items that were added without my authorization : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$440.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance Owed : {$53000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$28000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$25000.00} XXXX XXXX  XXXX Balance Owed : {$25000.00} XXXX  XXXX Balance Owed : {$640.00} XXXX XXXX  XXXX Balance Owed : {$58000.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$58000.00} XXXX : XXXX XX/XX/XXXX XXXXTRANSUNION : XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXXXXXX XXXX Balance {$10000.00} XXXX XXXX  XXXX Balance Owed : {$53000.00} XXXX XXXX  XXXX Balance Owed : {$25000.00} XXXX  XXXX Balance {$640.00} XXXX XXXX  XXXX Balance Owed : {$28000.00} XXXX XXXX  XXXX Balance : {$28000.00} XXXX XXXX  XXXX Balance : {$58000.00} XXXX XXXX  XXXX Balance Owed : {$25000.00} XXXX XXXX  XXXX Balance Owed : {$25000.00} XXXX  XXXX  XX/XX/XXXX. Per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from identity theft within 4 business days of receiving the request.
Consumer complaint received 2024-04-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (KY)

I submitted a complaint about how edfinancial has continued to not correct payment errors they created on how they were taking out my loan payments which I previously filed a complaint on XX/XX/23. They still have not corrected this issue. 

Since then I have asked that they provide me my new monthly payment amount as I have a standard payment plan chosen for my type of loan repayment. 

Every month they are taking out a different amount for my payments which is very detrimental to my finances. I am supposed to have a total payment around {$530.00} but have not confirmed since they can not provide me a number as they have not fixed my previous issue. This past month they took out {$760.00} without letting me know why the issues of payment amounts changing keep happening. 

No one that I speak with on the phone when I call can assist me as only managers are able to handle my case now since I have called 12 times in the past XXXX years without my issue having been resolved yet. Every time I call I have to wait days until a manager can call me back. 

I do not know what to do since they can not provide me a number amount for my monthly payment and continue to change how much they withdraw from my account each month without notifying me which is required by law they do this. 

Please help me to get this company take ownership to correct this issue as its causing me and my family great financial harm.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to contest inquiries on my credit report that I believe are not legitimate. After reviewing my credit report, I noticed several inquiry that I did not authorize or recognize. It seems that someone may have used my personal information without my consent to initiate this inquiry. 
I kindly request that you investigate this unauthorized inquiry and promptly remove it from my credit report. I have included a copy of my credit report highlighting the inquiry in question for your review. 

This inquiry is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
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. (WI)

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 2024-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-07-10
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. (PA)

I am writing to dispute several unauthorized inquiries listed on my TransUnion credit report. I did not authorize these inquiries, nor do I recognize them. The details are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date of XXXX : XX/XX/XXXX Please investigate these inquiries. I have not applied for credit with these companies and did not authorize these inquiries. I am requesting that these unauthorized inquiries be removed from my credit report immediately.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (GA)

On XXXX XXXX this unknown person claims I owe them {$580.00} So they reported that negative mark on my credit profile. 
According to 15 U.S.C.1692 ( c ) You have VIOLATED my RIGHTS by unlawful COMMUNICATION.

PLEASE Remove this Collection off my Credit Report Thank you.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TX)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15USC1681 section 602 states, I have the right to privacy. 15USC1681 section 604A, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-17
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: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

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 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OH)

By letter dated XXXX Lexis Nexis indicated that they have verified a bankruptcy in my credit report as reporting accurately. They further confirmed that they did not get the information from the Bankruptcy Court but through a repository known as PACER. 

Additionally, Lexis Nexis has described the following : Lexis Nexis serves as a reseller of credit reports for XXXX, XXXXXXXX XXXX XXXX 
Lexis Nexis acts as Data Furnisher and reports bankruptcy to the creditor bureaus. 
Lexis Nexis initiates a dispute of bankruptcy record to the credit bureaus. 
XXXX XXXX XXXX XXXX then uses Lexis Nexis to verify information. 
Lexis Nexis verifies accuracy of information and resells credit reports. 

Verifying information as accurate presents a financial benefit to Lexis Nexis. Complete and Total CONFLICT of interest. 

Specifically, Lexis Nexis is reporting as accurate a case file number while simultaneously reporting, acting as a data furnisher, multiple different case file numbers between themselves and the credit bureaus. By letter dated XX/XX/scrub>XXXX it confirmed its accuracy. This represents clear and unmistakable error. Willful and negligent. 

They different case file numbers can not ALL be accurate. Lexis Nexis is relying on information from someone other than the source and the inaccurate information is causing financial harm. This is the second set of identified inaccuracies. By law, I am entitled to a complete and accurate consumer/credit report and Lexis Nexis is in violation of law.
Consumer complaint received 2024-07-06
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: EQUIFAX, INC. (NC)

I have a XXXX phone with XXXX business account was active and the screen was busted and my account was hacked using my XXXXXXXX XXXX number on number XXXX with my email XXXX. So I decided to look at the hacked data breach with XXXX XXXX XXXX. I used my account to investigate the number was stolen from XXXX XXXX using my XXXX XXXX. account. I went to report the identity theft to Equifax and the account was compromised using my log in. Added on to it and the phone was not reported as a required data breach on my credit report. I sent in a claim and was asked to mail in the rest of the report with my consent to open the account on my report. Because the profile was not attaining records of use by my support by my local account activity. So I addressed the issue with a identity theft merchant account advisor support group. I asked to log in my Equifax dispute with the identity theft crisis on my phone not reporting to my credit bureau. So it took years of investigation to complete the report. By the time I contacted the identity theft prevention team for Equifax the account was hacked so asked to mail in the report. So the dispute claim officer can get a compromised account affidavit for my business account.
Consumer complaint received 2024-09-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (LA)

On XX/XX/XXXX2024, I sent an email to LVNV Funding LLC requesting a copy of the Original Purchase Agreement. I informed them that the agreement must be with the original creditor and signed by all parties involved. I also explained the reason for this and requested this debt removed from my credit reports until I received the documents. 
Yesterday, XX/XX/XXXX24, I received, in the mail, from LVNV Funding LLC copies of credit card purchases. This is not what I asked for and the company did not remove this debt from my credit reports during their " investigation ''. If they can not produce the Original Purchase Agreement as request by law, I want this removed from my credit reports as soon as possible.