davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-16
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: Westlake Services, LLC (GA)

Westlake Portfolio Management Purchased Undefined Vehicle Contract Associated with my name and furnished the account to the consumer reporting agencies. This account is Fraudulent and has resulted in identity theft. I never gave Westlake Portfolio Management written permissible purpose to obtain my non-public personal information from no one. Also, I never spoke with no one with this company about a payment extension on a letter I received in the mail. Westlake Portfolio Management is committing fraud, defaming my character and had affected my livelihood due to the reporting of this account being furnished to the credit reporting agencies. I only have one auto loan and that is with XXXX XXXX that should be reported to my consumer report. This Westlake Portfolio Management account is a fraudulent account.
Consumer complaint received 2024-04-29
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. (GA)

I submitted a dispute to Experian for XXXX accounts that I have updated. XXXX XXXX settled for {$360.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX paid in full, and a payment of {$240.00} made on my XXXX XXXX XXXX XXXX My problem is they responded in 3 days with information on file correct. Normally a dispute will take 30 days but it seems they didnt even take the proof of payment into consideration or even investigate it at all. I sent my information because Ive had such a bad history with my information being inaccurate.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reached out to XXXX and spoke with XXXX on XX/XX/2024 at XXXXXXXX XXXX  XXXX the following accounts that are showing paid on my credit report however disqualify me from being able to rent a home. I asked that these accounts be deleted from my report as they are paid and I was advised by XXXX that even though they are paid, they stay on the account for seven years after delinquency date is submitted, which makes no sense because if I would have never paid the debt, the account would have fell off of my credit within XXXX years as well. The accounts that need to be removed are as followed XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. all these accounts are paid and positive standing therefore, its only right that they are removed because though they are paid, they are still reflecting negatively on my rent and credit score.
Consumer complaint received 2024-05-21
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. (MA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (MO)

XX/XX/2023 Subject : Request to Remove Paid Closed Account Payment History Dear Exeter Finance Customer Service, I hope this letter finds you well. I am writing to request the removal of payment history associated with my closed account. Although I have paid off all outstanding balances and closed the account, the payment history continues to be reflected in my credit report and financial records. 

I understand that maintaining accurate records is essential for financial institutions like Exeter Finance. However, as the account has been fully paid and closed, I believe it is appropriate to update the records and remove the payment history associated with it. Removing the paid account 's payment history will enable me to manage my financial profile more effectively and accurately reflect my current creditworthiness. 

I kindly request your assistance in initiating the necessary steps to remove the payment history associated with my closed account from all relevant credit bureaus and internal records. I understand that this process may involve contacting the credit bureaus directly to request the removal of the payment history entry. 

If any additional information or documentation is required to complete this request, please let me know, and I will promptly provide it. I would appreciate a written confirmation once the payment history has been successfully removed from my closed account and any necessary actions have been taken with the credit bureaus. 

Thank you for your attention to this matter. I value my relationship with Exeter Finance and trust that my request will be handled with professionalism and efficiency. If you have any questions or require further clarification, please carryout this matter within 3 business days. 

I look forward to a favorable resolution to my request. Thank you for your prompt attention.
Consumer complaint received 2024-05-21
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I asked them for the following information and all three credit bureaus ignored my request. They also are in violation because they did not respond in 15 days per or at all see FCRA sections below. 
1681 U S C i ( 7 ) Method of verification-DESCRIPTION OF REINVESTIGATION PROCEDURE for each account disputed.

15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) states that a consumer reporting agency ( CRA ) must provide a consumer with a description of the reinvestigation procedure within 15 days of receiving the consumer 's request I asked them for the following information and all three credit bureaus ignored my request. They also are in violation because I did not receive proof of my signature they should have on file regarding PERMISSIBLE PURPOSES according to FCRA see request below. 

15 U.S. Code 1681b - Permissible purposes of consumer reports.

( 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.

15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

Please send the following information used or validate the items below and show where I gave written permission to be on y credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages.

Please read and comply to my request or delete accounts I am disputing. 

Transunion, XXXX, and XXXX are reporting different Date Opened, Balance, High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Date Last Active, Date of Last Payment, and two-year history for the same accounts. 

INACCURATE REPORTING/ DISPUTES XXXX XXXX XXXX XXXXXXXX This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXXXXXX XXXX XXXXXXXX This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXXXXXX This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX XXXX XXXXXXXX This account is being reported inaccurately, please remove this from my credit report immediately.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (CA)

SANTANDER USA IS REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. ACCOUNT # XXXX NOT ONLY ARE YOU NOT IN XXXX XXXX COMPLIANCE, YOU ARE REPORTING THE DEBT AS CHARGED OFF. According to the IRS, any debt owed that is cancelled, forgiven, or discharged becomes taxable income. I HAVE NOT RECEIVED MY 1099-C AND FURTHERMORE INCOME CAN NOT BE REPORTED ON A CONSUMER REPORT.

YOU ARE IN VIOLATION OF THE FCRA AND IRS REGULATIONS.

PLEASE SEND ME MY 1099-C FORM.
Consumer complaint received 2024-06-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (WA)

Commenity/ Ulta has refused to remove from my credit report that I'm owing {$690.00} even though they have not/ and refuse to verfiy the debt or provide me proof of actual charges. They have been falsely claiming that I owe {$690.00} and made the false claim payments have been late since XX/XX/year>. So for a little over 18 months without verfiying the debt or sending me proof of the debt they have made these intentionally derogitory reports to all three credit bureaus. I do not know why they are saying this is owed. I need to know what the charges are and why, otherwise they need to stop making the false claim of money owed and stop reporting derogitory reports on my credit.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma (PA)

There was an unauthorized hard inquiry on my credit report, as provided by credit karma, from XXXX XXXX, today, XX/XX/2019. 
Neither I nor any member of my family has contacted XXXX XXXX for any reason.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments. There should be no late payments on this account.

Instructions : Validate/inaccurate reported late payments.
Consumer complaint received 2024-05-21
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15. U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an 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 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2023-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

THIS COMPANY HAD PURCHSED AN INVALID CHARGED -OFF CREDIT CARD ACCOUNT THAT IS WELL PAST THE FLORIDA STATUTE OF LIMITATION FOR DEBT COLLECTION.

I NEVER ENTERED INTO ANY CONTRACT WITH THIS COLLECTION COMPANY, I DO NOT OWE ANY DEBT TO THIS COMPANY. I HAVE REPEATED REQUESTED IN WRITING TO THIS COMPANY TO PROVIDE ME PROOF OF A CONTRACT THAT I HAVE WITH THIS COMPANY, BUT THEY HAVE NOT ONLY FAILED TO PROVIDE ME PROOF THAT I OWE THIS COMPANY A debt but they have falsely reported that I owe this debt. The statute of limitations for collecting on a debt in the State of Florida is XXXX  years. 

THIS COMPANY IS ILLEGALLY TRYING TO COLLECT ON A THAT IS : NOT MINE, THAT IS NO LONGER VALID/OR DOES NOT EXIST, NO LONGER COLLECTABLE AND IS REPORTING FALSE AND DEGROGATORY INFORMATION ON MY CREDIT REPORTS
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion is continuing to ignore the law with regards to reporting fraudulent items. Theyve received Police reports, Identity theft reports, etc and have not followed the LAW and blocked all of these items. 

The items are as follows : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair credit reporting act this creditor has violated my rights under Section 15USC1681 602 States I have the right to privacy 15USC1681 Section 604 A Section 2 it also states an 15USC1681 consumer reporting agency can not furnish an account without my written instructions Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit as late for any purpose. Please Update these accounts to Current and remove any late reporting 's that you have furnished please as it is a violation of my rights. 

Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-05-21
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. (FL)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I applied for a home loan with XXXX XXXX for a home loan and was denied based on information received from Equifax, XXXX and XXXXThey have be reported a deceased person and a unknown male purposefully for years.The deceased person was using my name as XXXX XXXX XXXX in Virginia.They mixed my file with this person and affect my length of credit showing I had none and the deceased person had it .I have tried to have this matter settled.They are causing me a hardship continually showing inaccurate information.I want my report correct now I have retain a civil attorney I am coming for punitive and compensatory damages.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. 

I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.