davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I ordered my XXXX XXXX report after being alerted to do so because my personal information was included in a data breach. After receiving my XXXX XXXX report I noticed information that was inaccurate including a bankruptcy. I decided to freeze my XXXX XXXX report to prevent the misinformation to be used for fraud. I then disputed this information with the XXXX credit reporting agencies, XXXX, XXXX and Trans Union which included the bankruptcy. XXXX deleted the information as they could not verify it however, XXXX and Trans Union did not. I followed up with XXXX and Trans Union asking how they verified the inaccurate info associated with the bankruptcy. Trans Union responded they get the info from the XXXX XXXX and XXXX said they get the info from XXXX XXXX. I then contacted the Federal Courts and they sent me a letter stating they DO NOT share any information with the credit reporting agencies. I then contacted XXXX XXXX and they said they CAN NOT Share any information with XXXX since my file was frozen. I then sent letters to both Trans Union and XXXX wanting documented proof of how they are verifying the misinformation they're reporting concerning the bankruptcy. Instead of sending me proof they sent me letters stating that they are not going to investigate or provide the information to me because I'm not authorized or they believe my request was sent by a third party who was not authorized. I have received these same letters from Trans Union and XXXX before when they don't want to investigate or admit they are violating my rights by reporting inaccurate information. So, they're refusing to send me documentation that shows how they are verifying the inaccurate bankruptcy on my credit report.
Consumer complaint received 2023-06-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Bread Financial Holdings, Inc. (TX)

misleaded my minimum payment amount from the very beginning! The company has audio recordings of my conversations where I asked to changed the minimum payment balance and they did say it has reduced. BUT now they are acting as if that conversation never happened. 

now they refuse to speak to me when I confronted them about this. They even admitted that it was their mistake and profusely apologized. I asked to speak to their senior manager and they told me to wait and apparently hung my line. 

Now they don't pick up. they put my number on a XXXX list. I have not seen this level of scamming and arrogance in any lending company that operates in the USA.
Consumer complaint received 2019-04-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Back in XX/XX/2019, I disputed an inaccurate account on my Transunion Credit Report which is hindering my scores and my process to purchase a home. They are reporting a Chapter XXXX Bankruptcy on my credit file. They sent me back a letter stating that the information was verified by the USBK COURT OF XXXX XXXX. However, when I sent a letter to the USBK court asking their procedures on verifying or furnishing information to Transunion. The Court sent me a letter back stating they DO NOT provide information to credit reporting agencies. 
Furthermore, I have provided examples on where appellate courts have found the use of automated or XXXX verification or legally referred to as 'Data Conformity Review ' of a disputed debt is unreasonable, illegal and in violation of the Fair Credit Reporting Act. 
So now, the question becomes how did Transunion verify an account that is inaccurate at the very least? 
I ask that Transunion remove this inaccurate information and account from my Transunion credit report.
Consumer complaint received 2024-05-15
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. (IN)

NOTICE AND DEMAND FOR UNAUTHORIZED INQUIRY ON XXXX SETTLEMENT OF CONSUMER REPORT To : Whom It May Concern This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 

Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transterred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on these without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( " FCRA '' ) codified at 15 U.S.C 1681b ( a ) XXXX ( f ) ( i ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not initiated any transaction with. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I do not have an `XXXX account '' as defined under 15 U.S.C. 1693 ( XXXX ) for review or collection. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA XXXX ( a ) ( XXXX ) ( B ) [ 15 U.S.C. 1681n ]. 

Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best regards
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Upgrade, Inc. (TX)

XX/XX/year> I had called and asked to redeem rewards earned for my spending and to request a withdrawal from a line said to stay open revolving for 5 years and their had been a restriction placed on my account this issue was escalated to be removed and resolved prior to my request to be completed, I was told to call back to check the status and I did a few hours later, I logged in my account had been closed, they kept the rewards and had them forfeited and I had to make and over payment to the account of XXXX because they failed to apply my payment to the account in a timely manner? 
Account/Order/Tracking number : XXXX Money paid to business : XXXX Desired settlement : Reopening an active account?
Consumer complaint received 2024-05-15
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. (NJ)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block 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 XXXX XXXX XXXX XXXX XXXX XXXX which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA (GA)

We sent correspondence to Hyundai Capital America XXXX XXXX XXXX XXXX and they have not XXXX with pertinent information requested Including XXXX XXXX mail item number : XXXX dated XX/XX/year> asking for validation and to revoke any implied or expressed consent. The company did not respond with that information.
Consumer complaint received 2018-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (OH)

collection on my credit report with diversified consultants inc collections from florida. they obtained the account from XXXX XXXX in XX/XX/2017, and have been calling me all hours throughout day and night. or robo calls. 
also i asked for debt validation and everytime i only received a copy of billing statements which clearly are not mine. i told the collection company multiple times to delete and remove this account from my credit report which they have failed to do.
Consumer complaint received 2024-05-15
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. (FL)

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 are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-15
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-15
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. (AR)

I have been a victim of identity theft, upon checking my credit report I have noticed that addresses and accounts are reporting to my credit report fraudulently. I have already filed a police report and FTC report about this matter submitted it to XXXX, XXXX, and Experian. I have also sent this information to the creditor who is reporting this information. These addresses and accounts are hindering me financially. XXXX XXXX XXXX  has a fraudulent auto loan reporting to my consumer credit report. They provided me with the original loan contract which has invalid information on it that's not mine, the address on the contract is not mine nor have I ever lived there, also the signature provided on the loan document is not mine someone forged my signature. XXXX XXXX XXXX  is refusing to remove the account in question based on a loan contract with fraudulent information attached. This would be my XXXX  time contacting them regarding this matter.
Consumer complaint received 2024-05-15
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. (MN)

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 and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2023-04-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HoldCo LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX  I been scammed by unscrupulous people, they took advantage of my willingness, they call me saying they were from XXXX and that someone took controll of my identity, that they have all my informations, that I can lose evrything my savings even my house. This criminals took over my phone and they told me if I don't do what they said I will lose everything, so they did transfers in my bank account from the savings to my checking and told me that I have to take cash $ XXXX and deposit in defferent ATM, {$15.00} in Bitcoin Depot and an other {$15.00} Bitcoin of America. they didn't let me received or makes call, I was so scary and stupid how I believe this criminal, that was the worst day of my life, that caused me a lot a financial and emotional problem, I am in therapy at the moment for very severe XXXX. 
I complain to the FBI and the local police, also I send Bitcoin Depot 2 letter with all the proofs, XX/XX/2023 and XX/XX/2023, they answer was nothing they can do about.
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I made an attempt to make a purchase and the sale was declined 5 times, due to the time restraint and the fear of my card being locked, the purchase wasn't made. When I arrived back in the country, I became sick and was placed in XXXX. My wife assisted me with calling Wells Fargo because I kept getting message about a low balance to my account. At the time of the call after reviewing the account online, we noticed the 7 declined transaction was posted to the account which prompted us to do a claim. The claim went thru and I was told they would investigate it and let me know. After a few days, I was told the charge is valid and the I would have to go into a branch and show them receipt of the failed transactions. I did that on XX/XX/XXXX and was told there was nothing Wells Fargo can do. I called the vendor and they said the bank would have to reverse the charges. I have been a bank holder with Wells Fargo when they were XXXX. I trust my money should be protected when I add funds to the account which seems like its not. I would like to file this complaint because I've don't all the I can do as a consumer.
Consumer complaint received 2024-05-15
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. (CA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-05-15
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. (CA)

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes.

Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.
Consumer complaint received 2024-05-15
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 writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite my fifth attempt to rectify the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove the items : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX 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  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} 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 2024-05-15
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)

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TOYOTA MOTOR CREDIT CORPORATION (OH)

I have disputed information that is on my XXXX credit report. I had a car loan that was charged off by XXXX XX/XX/XXXX. According to XXXX 's records my first date of delinquency was XXXX, XXXX. This date is not correct. The date of first delinquency is XX/XX/XXXX. Whether it is XX/XX/XXXX or XX/XX/XXXX still does not change the fact that this should have been removed from my credit report. According to XXXX and the other credit bureaus, charged off accounts will be removed from the date of first delinquency. XXXX is no longer reporting any information on my credit report prior to 2018 because they are trying to keep negative information on my credit report. Reporting 2017 would allow XXXX to know that this account was delinquent way before XX/XX/XXXX2017. I disputed this information with you already and in XXXX 's response they said that my date of first delinquency was XX/XX/XXXX. Why is this information still on my credit report?
Consumer complaint received 2024-07-08
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. (CA)

XXXX and TransUnion has erroneously and incorrectly continued to report an account that I have no knowledge of and have never done business with. The account is not mine. The following company : ( XXXX XXXX XXXX ) no account number provided. 
This error has caused a detrimental effect on my credit score as well as my overall ability to obtain new credit. I have exhausted all efforts to resolve this. Please investigate. Please see attached XXXX as well as my proof of address and identity.
Consumer complaint received 2024-05-15
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. (PA)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.