davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

According to Capital One, my account was closed due to a Fraudulent Wire Transfer over a year ago with an amount totaling to {$7900.00}.

I have evidence and proof that this wire transfer was not fraudulent and was from a client we were handling in that past year.

I gave said client my personal information for the wire transfer and they sent the money, after going back and fourth with them for a few weeks they kept on delaying the project until we never heard from them again.

We tried following up numerous times only to be hit with more delays and we have been bending over backwards for over a year now to try and provide for this client As someone who's been a Capital One customer since I opened my first checking account this is pretty disheartening to say the least
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-07-23
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. (NC)

I have filed complaints with the XXXX bureaus regarding the status of my credit report, which still contains negative items. The incorrect information listed on my credit report has greatly affected me due to the unfavorable perception from creditors. I am seeking to have the negative items removed from my credit report. Therefore, I am requesting your assistance with this matter. If the credit bureaus do not take action, I am prepared to take legal action against them for the damage this has caused me.
Consumer complaint received 2023-09-20
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. (AZ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-12
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. (DC)

Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XXXX XXXX XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$9100.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXXXXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since | opened this account. 
XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Collection account from XXXX with account # XXXX and a balance of {$6900.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Consumer complaint received 2024-05-16
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. (IN)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX After your investigation the account still is reporting late for XXXX & XX/XX/year>. However, I for sure paid this account on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following XXXX & XX/XX/year>. 

I have requested a statement and or proof that I was late on this account and have not received such documentation. 

In accordance with The Fair Credit Reporting Act, Public Law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

I am requesting that you immediately update this account to paid on time.
Consumer complaint received 2023-08-29
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. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-06
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: CITIBANK, N.A. (NY)

In the year XXXX, my husband and I submitted our taxes and we received a notice on XX/XX/XXXX that we had a cancellation of debt from Citibank, NA that was for the amount of {$18000.00}.

I had sent back the forms to the IRS stating we did not agree with the changes made. Due to covid it was incredibly difficult to contact anyone at the IRS at that time and took much longer to get information. We attempted to contact Citibank multiple times regarding the debt and were told the account didn't exist. We continued to receive notifications regarding this debt and I signed a form ( XXXX ) for the IRS ( an Operations XXXX XXXX ) to look into the debt on XX/XX/XXXX. 
We began getting letters again stating the amount was due and I spoke to a person who said that the IRS found the account to be valid. I stated I wanted proof of the account, as Citibank stated there was no account and a social security number must've been typed in wrong. I was told it would be sent to me and no such proof was ever sent. Many months passed, and I received a notice again on XX/XX/XXXX. I spoke to a woman at the IRS on this date, that I never received proof, and she stated yes it wasn't a valid account, it would now be resolved. The letters were a mistake. On XX/XX/XXXX I received a notice in the mail stating our accounts could possibly be seized over this debt. I spoke to a lady about this and she placed our accounts on hold due to the inconsistencies and to obtain proof of the account not existing, as I had contacted Citibank repeatedly, again, and they continued to state they did not have any record of the account. She stated I would need to send in a letter from Citibank stating the account did not exist and to send it to XXXX reconsideration. They extended the pause on the account until XX/XX/XXXX. I could not have Citibank send the letter to the IRS but had to have it sent to me and then send it on to the IRS.

I contacted Citbank, went through everything with them again and they stated the only way I could get a letter was to send a fax to Consumer Credit Investigations with our IRS report, licenses, a note regarding what was happening with the account, and our mailing address to send the results of the investigation. They stated it would take at least 30 days to receive any result I sent the fax on XX/XX/XXXX and printed out the receipt. Nothing came back after months, so I called Citbank again and they would do nothing more, even after asking for a supervisor. They said to send out another request via fax. I did so on XX/XX/XXXX. It is now XX/XX/XXXX and the short term pause is over, the IRS has sent another demand for the money and I have received no response from Citbank.
Consumer complaint received 2024-06-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (GA)

My name is XXXX XXXX and after looking at my credit report I noticed that there some things on there that are alarming. 

It is a concern of mine that there are several inaccurate and incomplete accounts on my credit reports that needs to be addressed as it is stressing me out because I am not able to obtain credit. I am disputing the completeness and accuracy of the items of information below submitted by Debt Colleaction companies. Please investigate for the accounts below information pertaining to these accounts. The Debt collection companies have threatened to sue me on an old debt, accusing me of not paying them, which I stated I will not pay them. The Debt collection company has reported the old debts to all Credit Report Bureaus.

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 168b permissible purposes of consumer reports. 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. In accordance with the Fair Credit Reporting act 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. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a. 

The accounts below are fraudulent and inaccurate. Why is there a past due on a collection? Collections are not supposed to be reporting a past due because they are past due in the first place. 
JEFFERSON CAPITAL LLC Account Number : XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX, XXXX, SC XXXX You as a consumer reporting agency are held to a high standard with this statute as you have a big responsibility to be fair to the consumer with fair and accurate credit reports. Anything different can jeopardize the integrity of the report and cause severe harm and damage to myself as I am not able to obtain credit. 
Please respond back with your investigation results in 30 days. I look forward to hearing from you.
Consumer complaint received 2018-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Partners Financial Services Inc (MI)

I am writing to inform you I have been a victim of identity theft, and many of my accounts have been compromised without my consent. This letter is to inform your company I am disputing this debt and have filled a police report. I have a right under the Fair Debt Collections Practice Act to request validation of the bill for which your company is requesting payment. I am asking that you send me proof this account #  XXXX
Consumer complaint received 2024-08-27
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-06-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (FL)

I XXXX XXXX receive a check from XXXX  XXXX  XXXX XXXX  the claim XXXX check number XXXX total amount {$31000.00} i send the check by express mail tracking # XXXX on XX/XX/year> XXXX day delivery.at the same time i send estimate company XXXX  XXXX  XXXX XXXX XXXX {$8500.00} from XXXX XXXX, PR Services {$2500.00} that way they can star remove my solar and replace my roof after that install my solar back on the roof. but the mortgage company holding the check and never say went they going to relief the money. The company on my mortgage is MR. Cooper XXXX XXXX XXXX XXXX. XXXX, TX XXXX phone number XXXX XXXX XXXX  XXXX XXXX XXXX XXXX i understand they have a process but at least they can tell me went the money going to be relief i have my tenant association on my case because i have a tag in my roof XXXX the XXXX last year. all i just want to fix my house i am veteran XXXX and i just need to fix my house right thank. hope this problem get solution asp
Consumer complaint received 2024-09-12
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. (MO)

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 U.S.C 1681 FAIR COLLECTIONS AND OUTSOURCI Credit report transunion credit report. Experian 15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable. 
They dont have the correct birthdate.
Consumer complaint received 2024-09-12
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: EQUIFAX, INC. (FL)

Im deeply upset to see unauthorized inquiries on my credit report today, and I have no idea how they got there. I checked my report as usual, but suddenly these discrepancies appeared. I tried refreshing my browser, hoping it was just a glitch, but the inquiries remained. This situation needs to be resolved immediately, and I urge you to thoroughly review the documents Ive sent to prevent this from happening again.
Consumer complaint received 2024-06-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Credit acceptance is trying to charge me over {$8000.00} to a car that I didnt purchase. On my credit report it says Im the co buyer. I did co buy anything. The buyer name is XXXX XXXX. I dont know who that is.
Consumer complaint received 2024-06-15
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)

I am using my report to challenge and investigate these wrongly reported accounts on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report on my credit file. I understand that FCRA 605B mandates reporting any incorrect accounts appearing on a consumer 's report.
Consumer complaint received 2024-04-26
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. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-06-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (CA)

Exeter finance employs predatory lending practices. Loan terms are not explained clearly and provided at a very high interest rate, making the vehicle double the price at the end of the term. It is my opinion their service representatives are trained to use confusing language so they can avoid answering questions to desperate customers who need to finance a vehicle. This is exactly what I have experienced. In fact when questioned, the representative could not explain why by even the terms she was trying to explain, the math did not equate. This is a ploy to confuse customers who are stuck in a high interest rate loan in which they will never. Be able to pay off. None of the payment goes towards the principle of the loan.