davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

On XX/XX/year> I signed a lease for my vehicle with XXXX XXXX XXXX XXXX XXXX. My contract I left the dealership with states my payment are due on the XXXX of each month. However the dealership put in the system that my payment are due at XXXX. I've been getting harassment phone calls day after day and they have been adding late fees to my account and They recently sent something to the credit bureau from Infiniti finance about my payments not being made. I've told them on multiple occasions what my contract states XXXX of each month and I even faxed over the documents to the provide number that I received from Infiniti finance. I will send an email company to the of the contract today that was provided to me.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AR XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MN XXXX ; XXXX XX/XX/2022.
Consumer complaint received 2024-05-11
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. (VA)

On XX/XX/XXXX I mailed out a dispute to TransUnion regarding inaccurate information being furnished on my consumer report. In addition to the description of the procedure they used to determine the accuracy of what they are furnishing. See XX/XX/XXXXXXXX and XXXX in attachments below. TransUnion received my dispute letter on XX/XX/XXXX certified mail tracking number : XXXX XXXX XXXX XXXX XXXX seeXX/XX/XXXX 
XXXX XXXX XXXX speaks on accuracy of the consumer report XXXX XXXX XX/XX/XXXXspeaks on a consumer reporting agency furnishing accurate consumer reports; accurate means all values correct. 
XXXX XXXX XXXX ( XX/XX/XXXXspeaks on the description of procedure used to determine the accuracy and completeness of the information being furnished If a consumer shall request this information. 
XXXX XXXX XXXX ( XXXX ) states that a consumer reporting agency SHALL provide to a consumer a description referred to in paragraph XXXXXX/XX/XXXX by not later than XX/XX/XXXX DAYS after receiving a request from the consumer for that description. 
I requested a description of the disputed items XXXX XXXX XXXX TransUnion replied with updated and did not respond in the satisfactorily time allotted by law. See XX/XX/XXXX 
They have completely disregarded my request in not sending me information requested and also directly violated XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXXXX/XX/XXXX 
XXXX XXXX XXXX XX/XX/XXXX states that information that can not be verified as accurate or complete must be deleted in XX/XX/XXXX days. 
XX/XX/XXXX Reinvestigations of disputed information ( XXXX ) Reinvestigation requiredXX/XX/XXXX In general Subject to subsection XX/XX/XXXX and except as provided in subsection XX/XX/XXXX if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
See XX/XX/XXXXXXXX XXXX TransUnion XXXX, XXXX XXXX XXXX. XXXX ( XXXX. XXXX XXXX )
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
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)

I consistently make payments punctually. I'm confident about this. However, what puzzles me is why this particular company occasionally reports me as late in some months, which shouldn't happen. According to USC 1666b, any billing discrepancy should be rectified promptly and reflected accurately as paid as agreed.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

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 2024-05-11
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. (TX)

Transunion lowered my score XXXX points for bo reason at all. Because they did not want NY credit score to increase. It was lowered XXXX points and raised back up by XXXX points.
Consumer complaint received 2024-08-29
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. (FL)

Experian credit report reflects a negative account that has been settled, paid and closed. This account is too old to remain in my credit. I have tried to have this removed in several instances however the company has not resolved the issue.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I file my dispute letters to the credit bureau of XXXX, XXXX, TransUnion, over XXXX times and no results of inaccurate information on my file, they are violation my consumer rights, Charged Off accounts -15 US Code 1601 Collections 15 US Code -1692C Late Payments - 15 US Code 1666b Hard Inquires - 18 USC 1028A Which these agencies is at fault of 15 USC 1681n,, which can result in Civil Liability
Consumer complaint received 2024-05-11
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. (IL)

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payment on XXXX  XXXX XXXX that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-01-12
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. (MO)

On or about XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX on XX/XX/ also XXXX, XXXX, Experian did not have my consent to report information on principals consumer report pursuant to 15 USC 1681 b ( a ) 2 Permissible purpose of consumer reports, and 15 USC 6802 ( b ) ( 1 ) ( b ) which they are in direct violation of my rights.
Consumer complaint received 2024-07-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (KY)

In XXXX of 2022 my XXXX XXXX Student Loans in my Borrowers Defense was completed. In my 6 years of communications with Navient I expressed that my loans were in borrowers defense for repayment. I've been keeping updates on PPSL and was advised I can apply for Private loan discharge because my school XXXX XXXX has been deemed one of approved schools per Navient. At this point and time I've been requesting this form by email or mail or uploaded to my Navient account neither has happen since middle of XXXX. It's been about month I would like to complete the form but I can not get it. Once again I've sent over email advocate @ navient.com as of today. Please if you can assist me in this matter I would appreciate it. I've graduated twice from XXXX can not put degrees on my resume so I would like to get this matter resolved. My contact number is XXXX
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance with the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following accounts which were opened by fraud within 4 business days, per FCRA Section 605B
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-12
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: Experian Information Solutions Inc. (TX)

I have made numerous attempts to dispute this account, but unfortunately, I have not been successful. I have provided police and ftc reports as evidence of my identity theft, and I have also disputed the account on the grounds that the creditor has unlawfully altered the report. I kindly request that you remove this account from my credit report.
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. (MI)

Good afternoon to whom it might concern I have a XXXX credit card and a XXXX XXXX XXXX XXXX XXXXXXXX credit card and XXXX card is showing late payments in my account on XXXX on XXXX and XXXX needs to be erased and show accurate XXXX trying to get a mortgage and by law they need to verify information that was ever late or I will take legal actions and ask in court to be disclose and verify. Please remove all late payments of my transition equivalent and Experian report because by law neither the credit XXXX neither the companies can report false information.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. These entries inaccurately reflect my credit history. Compensation of {$1000.00} is due for each such erroneous entry on my credit record.
Consumer complaint received 2024-05-11
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. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information from my credit report.
Consumer complaint received 2024-04-18
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. (MO)

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 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern : This is in response to TransUnions recent claim that the account ( s ) listed below have been verified and that the information they are reporting under my name is accurate. 

XXXX XXXX XXXX XXXX, credit limit {$13000.00} ( See attachments ) I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ). 

Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. 
In XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely parrot information from the creditors and collection agenciesthat they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor in question. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-29
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. (IA)

On XX/XX/year>, somebody opened a dispute against my Experian credit report. I did not open this dispute. I was actually on vacation at the time. Later that same day, Experian settled the dispute. Which is suspiciously fast. My credit score was lowered. I have contacted Experian twice asking for more information. I've gotten the runaround each time. I have contacted Experian twice asking them to remove the dispute and restore my credit score. These requests have been ignored. A previously submitted CFPB complaint did not address this issue in any way.
Consumer complaint received 2023-04-19
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. (FL)

hey, I have been exposed to identity theft and have never had a contract or did any business with XXXX  or XXXX XXXX there is NO WAY THEY SHOULD HAVE MY INFORMATION! Someone gave them my information without my consent and now its on my consumer report and that is illegal.
Consumer complaint received 2024-08-05
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: WELLS FARGO & COMPANY (GA)

So I have a very concerning issue. I purchased my home XX/XX/year>. At the counseling with my realtor I was informed to not run my credit. So the last time I authorized any company or myself to run a credit inquiry on my credit report was XX/XX/year>. But upon looking at all of my credit reports I see, unauthorized credit inquiries from XX/XX/XXXX until present. Again I never authorize any of these credit inquiries and I would like to remove from my credit report. Now my credit report poor. Which I thought I was doing a good job but not applying for credit, but some kind of way credit increase have been authorized. Again, all of these credit inquiries from XX/XX/XXXX until present or unauthorized.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

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 and XXXX am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (FL)

On XX/XX/XXXX, on the Chime platform, I linked my father 's XXXX account for a XXXX $ withdrawal. 
On XX/XX/XXXX, Chime put my account on hold for suspicious found on a transferred amount " we identified some unusual activity regarding the amount and / or origin of certain funds which has been posted to your account ''. 
On XX/XX/XXXX Chime requested further documentation which i provided the same day which included my ID and confirming that I did not have a utility bill under my name because i am currently living at my parents '. 
On XX/XX/XXXX no answer received from Chime and same email was sent to their attention. 
On XX/XX/XXXX Chime closed my account not taking into account my attempt to find a resolution to the issue they raised. " after recent review of your account we found that it does not comply with the terms of the deposit account agreement. The account has been closed by Chime and is not eligible for a refund. '' On XX/XX/XXXX I contacted the Chime Member Service asking me to send a photo ID, a bank statement reflecting myself as an authorized user on all external bank account on from the XXXX account. 
On XX/XX/XXXX I sent the document - my photo ID/ the account XXXX on my parents names/ the XXXX statement where it appears the amount transferred. 
On XX/XX/XXXX and XXXX i followed with Chime with emails to received acknowledgment of receipt of my documents and asking for a response. 
Overall i received many automated emails but no one tried to reach me for finding a resolution to this situation. 
End of day XX/XX/XXXX no answer received and no resolution found. 
I found that many clients of Chime have been exposed to similar issues and decided to ask for your assistance for finding a solution.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-09-01
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)

After carefully checking my credit report, I have learned and been shocked that i have been a victim of identity theft, my personal information has been used to apply for card. I found fraudulent inquiry on my credit report. Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/2024 2024