davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
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: Experian Information Solutions Inc. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-04
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. (GA)

Went to a car dealership with a pre-approved loan offer to buy a car for which I already had a hard inquiry. The sales rep went inside the general managers office and made two hard inquiries on my profile without my knowledge/consent. I confronted them right away as I received the email from credit reporting agencies regarding this. The manager said upto 3 inquiries count as one and said there was a miscommunication. Also, told me that I can contact credit reporting agencies and have them remove the inquiry. Its been 3 months since I have been trying to get this matter resolved and neither credit agencies or the dealership have done anything here to help. I have made so many phone calls. So many emails but still no luck. I have spent almost 20 hours of my time on this for something which is not even my fault. Please help me here. After being so persistent, dealership told me that their corporate has sent out a mail to credit reporting agencies about this. I confronted agencies about this and Transunion said they have not received any letter. XXXX said that letter is a invalid method. Dealership has to login on their software to remove or send an online email. They all have been running me around. I am exhausted from this bad practice. Please help. 

Two inquiries in question are made on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-12-04
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. (NC)

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

I told Transunion to reivestigate these accounts. However, they stated everything was accurate. How can that be if the open date, date of last activity and much more is incorrect. 

Transunion is govern by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

According to 15 USC 1681 : I have the right to privacy and I did not give Transunion, written permission to furnish these accounts.

According to 15 USC 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-19
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. (GA)

I sent a letter XXXX XXXX XXXX of notifty them that i have an inquiry on my experian credit report that I did not authorize. I also let them know that i didnt give written authorization to pull my credit. This is consider to be identity theft. becuase you willingfully pulled my experian credit report with out my authorization
Consumer complaint received 2023-12-04
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. (VA)

!!! THIS ACCOUNT IS ACTING AS A COLLECTIONS & CHARGE-OFF AT SAME TIME!!! 

XXXXXXXX XXXX  Account XXXX XXXXXXXX Date Opened : XXXX DIFFERENT DATES OPENED ( INACCURATE ) The " Date Opened '' is reported as XX/XX/XXXX on Transunion , But XX/XX/XXXX on XXXX. This is very Inaccurate, there is no way this Account is 100 % Accurate with XXXX Different Dates. 

Date of Last Activity : XXXX DIFFERENT DATES OF LAST ACTIVITY ( INACCURATE ) The " Date of Last Activity '' is reported as XX/XX/XXXX on Transunion, But XX/XX/XXXX on XXXX. This is very Inaccurate, there is no way this Account is 100 % Accurate with XXXX Different Dates. 

Dispute Status : ACCOUNT NOT DISPUTED ( INACCURATE ) Dispute Status Never changed even after 30 Days. 

Two-Year Payment History : DIFFERENT PAYMENT HISTORY ( INACCURATE & INCOMPLETE ) The absence of information for Transunion & XXXX in the " Two-Year Payment History '' section is Questionable and Inaccurate. If there have been payments or activities within the last XXXX years, they should be accurately reported. 

!!! THIS ACCOUNT IS ACTING AS A COLLECTIONS & CHARGE-OFF AT SAME TIME!!! 
XXXXXXXX XXXX IS ACTING AS A CHARGE-OFF, BUT AT THE SAME TIME GAVE MY PRIVATE INFORMATION TO XXXX XXXX XXXX , A COLLECTIONS AGENGY. THIS IS ILLEGAL I NEVER DID BUSINESS WITH NOR SIGNED A CONTRACT WITH XXXX XXXX XXXX.
Consumer complaint received 2024-05-13
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)

How's it possible that you've reported me 90 days on account XXXX late with no late payments prior to that? You are reporting 90 days late in XXXX XXXX with no prior late payments. This is obviously an error and has to be removed from my credit report. XXXX was sued for not applying payments to consumers accounts correctly. I was never late, and this account needs to be removed. I have attached my credit report showing the incorrect accounts and information. There is no way you can report this account 90 days late without any late payments recorded before then. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. Furthermore, under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PR)

Purchased a mattress through Costco online and was delivered to my home on XX/XX/XXXX. We ended up returning the mattress and a Costco moving company picked mattress up from our house on XX/XX/XXXX. I was promised last Tuesday my refund would be issued within 3-5 business days. Still waiting on a refund.
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (IL)

Dear Experian, I recently went through my credit file and discovered that some of my personal information is incorrect. It seems that you have included information in my credit file that actually belongs to someone else. I am writing to ensure that my credit file contains only accurate information at all times. I kindly request that you remove the following inaccurate information from my credit file within the next 30 days. I am aware that you have a maximum of 30 days to address my request. If I don't receive any updates from you during this period, I will assume that thesesscuracies have been automatically removed. 
The specific information that needs to be deleted from my credit file includes references to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. By reporting these inaccuracies, you are violating 15 USC 1681b ( a ) ( 2 ), which states that a consumer reporting agency may only furnish a consumer report based on written instructions.
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Account Name XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Status Collection account. {$540.00} past due as of XX/XX/XXXX.
Consumer complaint received 2023-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TN)

On XX/XX/2023 I received a text notification that my account was below the limit I had set. I immediately went online to check my account and became aware that there had been an unauthorized withdrawal of {$2000.00} from my checking and {$900.00} from my savings account. I immediately contacted the fraud department of Wells Fargo and they told me they would freeze the account. On XXXX XXXX XXXX  I went to a Wells Fargo agency and filed a written complaint as per instructions of the person I had spoken with the night before. A few days later, the {$900.00} that had been withdrawn from my savings account were redeposited to my new savings account. Since on my visit to the Wells Fargo branch they close my existing account and open both a new checking and a savings account. But about two weeks later, they declined my claim of the {$2000.00} on the checking account.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX submitted to me upon moving out of the apartment an incorrect ( amount ) invoice of {$160.00} dated XX/XX/2023. 
I contacted XXXX leasing office and stated the invoice was bogus and totally incorrect. XXXX then submitted a second incorrect invoice via XXXX- XXXX XXXX XXXX for utilities {$120.00} which did not include my original rental deposit. I further communicated with XXXX stating the second invoice is incorrect. 
XXXX  via XXXX XXXX XXXX reported the {$160.00} against my credit report. I notified XXXX via XXXX e-mail notices requesting this issue be corrected. XXXX has not corrected the issue.
Consumer complaint received 2024-05-13
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. ()

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-13
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)

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated names ; XXXX XXXX ; Addresses ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX are still listed under my personal information.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

1. I opened the account on XX/XX/XXXX and they immediately charged me {$95.00} for yearly fees ( because it was the last day of the year ) 2. I made my payment on XXXX for {$5800.00} and even though my balance was XXXX for XXXX work days, the bank charged me an additional {$5800.00} on XXXX overdrafting my checking account. 
3. I called on XX/XX/year> ( case number XXXX ) to request my money back and they claim the refund will take XXXX work days ( without paying me interest for my money ).
Consumer complaint received 2015-12-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I have been trying to get my house refinanced for months, and I keep contacting my own mortgage company, Nationstar, to get this accomplished. I have twice now been switched to Greenlight. They run me in circles for months with lies and inaccurate information, have me submit the same information over and over, and pull my credit over and over. 
I attempted to contact Nationstar again yesterday, and was assured I was working directly with Nationstar, and not Greenlight. Greenlight Financial has horrific reviews online because they flat out lie and give out inaccurate information.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (NJ)

XX/XX/XXXX applied for personal loan. was denied for XXXX score XXXX was told I needed a XXXX ran my credit. 3 times asked why no explanation. I have a XXXXXXXX XXXX. told wait until next month to reapply XXXX XXXX  denied. claim same score XXXX XXXX still XXXX. Told me was from XXXX gave me information to contact XXXX received credit report XXXX. 

XXXX late payments believe discrimination lying about XXXX score. 
.
Consumer complaint received 2023-03-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

On XX/XX/2023, over 30 days ago I sent you a dispute letter and I believe I was to supposed to get an update or notified of the status but I still haven't recieved any response as yet. I believe this is a violation and punishable by law. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX and the Office of the Atty General if did not I receive appropriate response.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

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 2023-12-04
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. (FL)

I am writing to file a formal complaint against TransUnion concerning their failure to respond to my dispute, which was mailed via XXXX certified mail, tracking number XXXX, and delivered to TransUnion on XX/XX/2023. According to the Fair Credit Reporting Act ( FCRA ), TransUnion had until XX/XX/2023, to investigate and respond to my dispute. However, to date, I have not received any response from TransUnion, which is a direct violation of the FCRA. 

The dispute I submitted to TransUnion concerns inaccurate and incomplete public records that they are reporting for me, specifically under the reference numbers XXXX and XXXX. The details of the inaccuracies are outlined below : Reference Number : XXXX Dispute Reason : This entry contains multiple errors and inaccuracies, including : Missing released/closing date, Incomplete reference number, Blank 'how filed " field, Court name listed as 'U.S. Bankruptcy Court, ' which is not an existing court, XXXX amount field, Blank plaintiff field, XXXX internal notes. 

Reference Number : XXXX Dispute Reason : This entry contains multiple errors and inaccuracies, including : Missing released/closing date, Incomplete reference number, Blank 'how filed " field, Court name listed as 'U.S. Bankruptcy Court, ' which is not an existing court, Blank amount field, Blank plaintiff field, Blank internal notes. 

I have made a diligent effort to dispute these inaccuracies in my credit report with TransUnion. However, despite the legally mandated XXXX window for investigation and response, TransUnion has XXXX to comply with the FCRA guidelines XXXX
Consumer complaint received 2024-08-09
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. (MD)

The following explains why this account should not be on ANY of my CREDIT FILES. As SURETY, I am now giving actual Notice of Equitable Subrogation to XXXX I am now invoking my XXXX given rights of equitable subrogation and require XXXX XXXXXXXX to compensate the Principal by returning all the Federal Reserve Notes ( FRN 's ) given as payment for a debt that was paid by the surety by way of Special Deposit XXXX XXXX XXXX # XXXX dated XX/XX/XXXX. Per UCC 3-603 Refusal is DISCHARGE. The doctrine of subrogation in equity requires, ( XXXX ) that the person seeking its benefit must have paid a debt due to a third party before he can be substituted to that party 's rights ; and, ( XXXX ) that in doing this, he must not act as a mere volunteer, but on compulsion, to save himself from loss by reason of a superior lien or claim on the part of the person to whom he pays the debt, as in cases of sureties, prior mortgagees, etc. The right is never accorded in equity to XXXX who is a mere volunteer in paying a debt of XXXX person to another. ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX ) ; furthermore a servicer/debt collector who has purchased a debt from another company has no interest in the original debt, making their status that of a mere volunteer. The right of subrogation does not arise to XXXX who pays the debt of another as a mere volunteer. This includes attempts at collection by assignment, transfer or trade. A volunteer, stranger or intermeddler is XXXX who thrusts himself into a situation on his own initiative, and not XXXX who becomes a party to a transaction upon the urgent petition of a person who is vitally interested, and whose rights would be sacrificed did he not respond to the importunate appeal. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Parties may be considered volunteers if in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, as they act without being requested to do so by the person liable on the original obligation. See : XXXX v. United States XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) ; XXXX v. XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. App. XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX ) ; XXXX XXXX XXXX XXXX XXXX. XXXX, v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX ).
Consumer complaint received 2024-08-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I got a car XXXX  XXXX XXXX XXXX XXXX XXXX with financial company ( capital One ). Well to sum it all up on XXXX when I got the car the tags was talked about with me getting them. Sure, I gotten used cars before, however the check engine light came on XXXX, and the info I got stated the XXXX XXXX XXXX  will not pass inspection so, got some things fixed ( so I thought ) To my surprise the light went off. The check engine light came on again ( I knew that if light on the car can't get inspected ) Was going to get that issue fixed, but car broke down at job the day I was going to get it fixed. I was told the dealership was suppose to get the inspection done. but my dealers tag had not yet, expired. I did end up getting an extension from county tag office. XXXX  XXXX new the car was not going to pass. So, how was I getting the tags. XXXX  XXXX stated to me the tags would be in the mail not yet received. when the XXXX XXXX XXXX  finally broke down the two repair shops inform me of a new motor. So, had car towed back too dealership on XXXX, during that month a car note payment was made. to Capital One finance. XXXX  XXXX has the XXXX XXXX XXXX  car do not run and so all of this needs to be undone cause of fraud.