davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
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. (AR)

I am submitting this complaint to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with by them. These items were appeared fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items to be removed from my report right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (PR)

Navient is reporting 2 closed accounts of XXXX to XXXX with late payments on XX/XX/XXXX however these accounts were on deferment at the time.. This accounts were paid in full long time ago. I tried to fix this problem several times with Navient and XXXX and the outcome always is that they don't fix It. I am a XXXX % XXXX veteran and this issue is affecting me.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2023-10-31
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish A account without my written instructions DELETE HARD INQUIRIES.
Consumer complaint received 2023-10-31
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. (IA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, has violated my rights 15 U.S.C 1681 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-08-28
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. (CA)

On XX/XX/XXXX was received noRficaRon of the XXXX XXXX XXXX Agreement with Maturity date XX/XX/XXXX. This was a ONE Rme repayment offer automaRcally accepted while accepRng the loan process. Following this, I opted for 4 repayemnt plan provided by the loan process. Close to the due date, I was able to reschedule all 4 payments to a future date. ( Proof aHached ) When I finished the loan applicaRon and went over the agreement, you The Lender states and I quote ; - ... We may allow an extension of Rme, or a payment plan, for repayment of an exisRng deferred deposit transacRon but may not charge any addiRonal fee OR change of any kind in conjuncRon with extension or payment plan. 
On XX/XX/XXXX I contacted support via email to resolve my Bank issue and pay off my loan. I communicated via email with XXXX which it took her 6 days ( from XX/XX/XXXX to XX/XX/XXXX ) to resolve and take all 4 payments at once, even though that wasnt my request. My first contact was on XX/XX/XXXX and being 1 day late aeer my first payment due date ( AHach the rescheduled payment confirmaRon for your records ). Records show that all payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) were successfully rescheduled to a future date outside your alleged grace period twice ( See aHachments ). Why is XXXX XXXX XXXX allowing customers to extend repayment plan more than once and passed your 29 days grace period if your policy says I could be reported to credit bureaus, yet, no warning was displayed when confirming this change???. I had aHached proof of it for your records. Policies and agreement state the grace period of 29 days applies aeer 1st payment scheduled for one single loan term. 
Based on my first payment due day of XX/XX/XXXX and paying off all 4 payments on XX/XX/XXXX and XX/XX/XXXX I was ONLY 23 days late. 
When I talked about the wrongfully reporRng to credit bureaus with XXXX she said ; XXXX, I appreciate the feedback. However, when you reached out to link your bank account on XX/XX/XXXX the payment was already more than 30 days past due. ( Not True ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX of XX/XX/XXXX, the payment had already hit 30 days past due. We received your email in regards to updaRng your bank account on XX/XX/XXXX. ( Not True ) Since two of the payments were made outside of the 29-day grace period, we are required by law to report them accordingly. ( Not True ) We can not delete the reporRng informaRon since as a furnisher under the FCRA, Possible must report all payment informaRon in a fair and accurate manner. 
Thank you! 
Best, XXXX from XXXX XXXX  in all, my intent is to seek legal counsel but not before giving you the opportunity to resolve this issue outside the court system. Please update my records, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-05-06
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. (FL)

I am writing to inform you of my dispute regarding the account listed on my credit report maintained by XXXX. I assert that XXXX is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-06-04
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. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-08-28
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. (CA)

On XX/XX/XXXX was received noRficaRon of the Deferred Deposit TransacRon Agreement with Maturity date XX/XX/XXXX. This was a ONE Rme repayment offer automaRcally accepted while accepRng the loan process. Following this, I opted for 4 repayemnt plan provided by the loan process. Close to the due date, I was able to reschedule all 4 payments to a future date. ( Proof aHached ) When I finished the loan applicaRon and went over the agreement, you The Lender states and I quote ; - ... We may allow an extension of Rme, or a payment plan, for repayment of an exisRng deferred deposit transacRon but may not charge any addiRonal fee OR change of any kind in conjuncRon with extension or payment plan. 
On XX/XX/XXXX I contacted support via email to resolve my Bank issue and pay off my loan. I communicated via email with XXXX which it took her 6 days ( from XX/XX/XXXX to XX/XX/XXXX ) to resolve and take all 4 payments at once, even though that wasnt my request. My first contact was on XX/XX/XXXX and being 1 day late aeer my first payment due date ( AHach the rescheduled payment confirmaRon for your records ). Records show that all payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) were successfully rescheduled to a future date outside your alleged grace period twice ( XXXX XXXX ). Why is XXXX XXXX XXXX allowing customers to extend repayment plan more than once and passed your 29 days grace period if your policy says I could be reported to credit bureaus, yet, no warning was displayed when confirming this change???. I had aHached proof of it for your records. Policies and agreement state the grace period of 29 days applies aeer 1st payment scheduled for one single loan term. 
Based on my first payment due day of XX/XX/XXXX and paying off all 4 payments on XX/XX/XXXX and XX/XX/XXXX I was ONLY 23 days late. 
When I talked about the wrongfully reporRng to credit bureaus with XXXX she said ; XXXX, I appreciate the feedback. However, when you reached out to link your bank account on XX/XX/XXXX the payment was already more than 30 days past due. ( Not True ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX of XX/XX/XXXX, the payment had already hit 30 days past due. We received your email in regards to updaRng your bank account on XX/XX/XXXX. ( Not True ) Since two of the payments were made outside of the 29-day grace period, we are required by law to report them accordingly. ( Not True ) We can not delete the reporRng informaRon since as a furnisher under the FCRA, Possible must report all payment informaRon in a fair and accurate manner. 
Thank you! 
Best, XXXX from XXXX XXXX in all, my intent is to seek legal counsel but not before giving you the opportunity to resolve this issue outside the court system. Please update my records, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-09-18
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC. (OH)

I received a call from the finance compy and made the promise payment. The compy accepted my payment and two weeks later tried to take out money from my account and did not have authorization to take auto payments. From the compy being blocked from my financial institution to regarding an auto payment, the finance company expressed they put a call in for a repo ( XX/XX/XXXX ) & my vechile was not up for repossession. I have an screen shot of the comy staying on the XXXX ( day of repossession ) my vechile may be up for repossession, but I did not receive any mailings or calls regarding this action. The finance compy ( Ally financial ) expressed they updated their system on the XXXX and did not inform me of any changes. I am at a lost as I can not go into my job due to having my identity or gargare information. I have many of my work materials and other personal items in the truck as well as my two special needs children devices in the vechile. 

Please assist. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX last four of VIN # XXXX XXXX, XXXX XXXX, XXXX
Consumer complaint received 2023-10-31
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. (CA)

On XXXX XXXXXXXX responded to my request for removal of inaccurate reporting. Their response stated that the account was sold to a company by the name of XXXX XXXX. There is no such company listed on my consumer report, however XXXX is listed on my report as a collection. This account needs to removed as I do not have a debt with XXXX nor do I have an account/debt with XXXX XXXX. XXXX has made false and misleading statements which is a direct violation of 1006.18 CFPB. Also, if the account was sold ( creating a charge off event ), I should have received a 1099C ( I never received one ). When a 1099C is issued, I would have became responsible for income generated by the cancellation of such debt. If I am responsible for the income then that would mean I can't owe a debt and pay taxes on the income of that same debt. It appears that XXXX operates fraudulently and doesn't mind violating consumer laws.
Consumer complaint received 2023-10-31
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. (NJ)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hi this is XXXX XXXX XXXX, I am submitting this complaint in regards to the inaccurate and unknown things on my credit report as report by XXXX Credit Bureaus. Please verify that all information is XXXX percent true, accurate, correct. Please remove these items in my file. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 


XXXX. XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date XXXX inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2023-11-07
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)

I do not consent to electronic communications. I request all responses be in writing through the XXXX I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. Bankruptcy XXXX XXXX XXXX
Consumer complaint received 2023-10-31
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. (NC)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance : {$750.00}
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-05-06
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: Experian Information Solutions Inc. (TX)

I'm contacting you once more concerning a critical issue. Despite my previous alerts, my credit report still shows unauthorized inquiries due to identity theft. While you have eliminated some, additional ones persist and new ones have been recorded. It is legally required that you expunge all such inquiries. Thus, I request that Experian, XXXX, and XXXX Credit Bureaus erase all illegitimate inquiries mentioned in my identity theft report. Below are the items I request to be removed : XXXXXXXX XXXX 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 2023-10-26
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!