davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally complain about the reporting of late accounts on my credit report, which I believe are inaccurately reflecting my credit history. I have thoroughly reviewed my credit report from your agency and have identified instances of late reporting that I believe require immediate attention and rectification. I have outlined the details of the disputed late accounts along with an explanation of the inaccuracies, the late payment reported on the aforementioned accounts are not accurate. I have maintained a history of timely payments according to the terms and conditions of my agreement with the creditor. I have enclosed supporting documentation, including payment receipts and bank statements, that verify my consistent and on-time payments. I request that you conduct a thorough investigation into this matter and rectify the inaccuracies promptly in accordance with the Fair Credit Reporting Act. I am asking for your help for the correction of the late payment status associated with the mentioned accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

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 2024-05-15
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: Experian Information Solutions Inc. (TX)

I have updated information regarding complaint # XXXX. 

Company failed to provide me with the description of the procedures that was performed during the investigation. Which neighbors, friends, or associates of mine did you personally interview to verify the report pursuant to 15 USC 1681a ( e )? Also pursuant to 15 USC 1681a ( e ) such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency. 

Please upload description of the procedures that was performed during the investigation here on this portal with the CFPB and mail me a copy. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Thank you.
Consumer complaint received 2024-06-05
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. (NC)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I am writing to bring to your attention an issue regarding inaccurate information on my credit file maintained by Experian. Upon reviewing my credit report, I have discovered that Experian is reporting an outdated and inaccurate address. This incorrect information is adversely affecting my creditworthiness and financial standing. As per the Fair credit Reporting Act ( FCRA ) and other relevant consumer protection laws, it is imperative that credit reporting agencies ensure the accuracy of the information they maintain. Under 15 USC 1681s-2, credit reporting agencies are obligated to promptly investigate and correct any inaccuracies reported to them by consumers. The outdated address ( XXXX XXXX XXXX XXXX XXXX, PA XXXX ) being reported by Experian is no longer associated with me and has not been for quite some time. Please remove this erroneous information from my credit file as it is negatively impacting my ability to obtain credit and financial services.
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)

XXXX XXXX XXXX XXXX XXXX  XXXX fl XXXX XX/XX/XXXX XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : XXXX XXXX XXXX  XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Consumer complaint received 2023-11-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: HYUNDAI CAPITAL AMERICA (TX)

Kia Finance America has violated XXXX XXXX and XXXX XXXX rights on many fronts. I have proof and paperwork documented of the fraud, non disclosure and breach of contract with how they violated our rights. 
On or around XX/XX/XXXX, I got the payoff for my XXXX XXXX XXXX, from Kia finance america. I sent in my certified funds for the amount a little over the payoff to cover any interest or overages. Kia accepted payment and then released the lien also the title and they sent us clear title with no liens. I then got the certified copy of the title. Then a couple months later kia stated the payment was reversed and not accepted. Which is a violation of my rights on many levels. Acceptance of payment so discharged. They never returned anything back to me. My equity has been taken and my rights violated. My wife and I both called to resolve this matter but Kia insists that we still owe approximately {$9400.00} on said vehicle. Kia has violated constitutional law, contract law, ucc, codes and statues that are put in place to protect XXXX and XXXX XXXX as the consumer. 
So now they say we are 160 days late and the car was illegally repossessed. I have the clear title with no liens. I also called Kia again and entered my social security number to verify myself and they state thank you for your payoff and we will be sending your title in the mail as you requested. So it still shows my payoff on the automated system. Kia has illegal sent out repossession orders to XXXX XXXX XXXX  in XXXX XXXX Florida which now holds my private property illegally. I contacted Kia again about the illegal theft of my vehicle and property and they claim my account is being handle by a special department and they would need 3 days to contact me back. This happened to my wife 2 months ago when she called Kia to try and figure this out. Kia never contacted her back. They never contacted me. Kia claims they cant leave messages when calling, so how would we know if they called if we didnt answer or were busy at work? This has caused my wife and I unbelievable heartache, stress, financial hardship among many other things
Consumer complaint received 2024-07-04
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. (FL)

I AM A VICTIM OF IDENTITY THEFT THERE ARE ACCOUNTS ASSOCIATED WITH THEFT ON MY CREDIT REPORT. THE ACCOUNT WAS REMOVED NOW IT REAPPEARED ON MY CREDIT REPORT AGAIN I AM REQUESTING THAT THESE ACCOUNTS BE REMOVED IMMEDIATELY. 

1. XXXX XXXX XXXX  ACCT NUMBER : XXXX 2. XXXX ACCT NUMBER : XXXX
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)

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 2016-07-22
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (NY)

I had XXXX XXXX Costco card from XXXX until XXXX XXXX XXXX, all these time my payment was on autopay and made all the payments on time without fail. Costco informed me that XXXX XXXX XXXX onwards XXXX will be the official credit card of Costco and XXXX wo n't work after XXXX XXXX XXXX. On XXXX XXXX XXXX my XXXX stopped working and I started using XXXX for Costco purchases. On XXXX XXXX XXXX Citi bank sent me a statement which also includes the purchase I made using XXXX card with an interest due amount of {$34.00}. Since I had XXXX on autopay I was not worried about paying XXXX manually. Also, being used Citi for only 17 days I was not expecting any late payment issues. 

So here my question is why Citi bank charge for the interest? There is no right for citi to charge me any interest.
Consumer complaint received 2019-04-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MT)

I had 3 different HELOC loans on some of my rental properties that ultimately ended up at PNC Bank. These have always been paid on time and I believed that all 3 were paid off. I received notice that PNC had reported me late. Because this information is unaccessible online for some reason with them, I contacted them by phone on XX/XX/19. Upon reaching customer service and giving them my name, the address and my social security number to look up my accounts, I was told that that was not enough information to give me balances. I am not sure how they expect me to pay off the accounts if they will not tell me the balances. After arguing with the agent, I requested a supervisor. The Supervisor was arrogant right off the bat. She wanted additional information over and above my name, social security number the address and even the account number that I had for one of them. She now needed the original balances on the accounts. These loans were made 15 - 20 years ago. There is no way I know the original balances. After telling her that I was filing a complaint and would like a copy of the recording of the conversation she told me to get a court order. She then said I could tell her the last payment that I made on each account. Again this was months ago and my online banking no longer has this info without going to paper records. ( this is an entirely different issue, but another way banks are not helping the consumer ) She finally gave in when I gave her all 3 addresses and gave me the balances. 2 had been overpaid by several hundred dollars and one was short {$19.00}. Instead of applying the overage funds to the short account which I thought was paid in full, they chose to report me late to the credit bureaus. What a lovely policy to XXXX the consumer. This is the most arrogant unhelpful lender I have ever had the displeasure of working with.
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. (TN)

I reviewed my consumer reports and noticed that I have one late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late for the account ( XXXX Acct # XXXX ) Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be I was never late.
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. (NC)

MY PERSONAL INFORMATION WAS LOSS/STOLEN XXXX  AND I REPORTED. I WAS LATER NOTIFIED THAT MY INFORMATIN WAS INVOLVED IN THE XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS/CREDIT INQUIRIES THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF XXXX XXXX XXXX FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF XXXX XXXX XXXX XXXX EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF XXXX XXXX XXXX XXXX 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

FCRA 605B mandates the removal of any erroneous accounts from my credit report. There is an inaccuracy in my credit file ; kindly eliminate it. Compensation of {$1000.00} per incorrect reporting is expected.
Consumer complaint received 2024-06-03
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. (AL)

I was a victim of identity theft. Any information on my report between XXXX and XXXX does not belong to me. I am not aware of any of the derogatory items and collections. My entire report is full of fraud.
Consumer complaint received 2023-08-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (NY)

On Friday, XX/XX/ I learned that my car was repossessed by Credit Acceptance. I called them and according to them they had not received payment since XXXX. I let them know that this is the first time I am hearing about this. I inquired if the company had tried communicating with me. We realized they had a wrong number on file. I further asked, if there were failed attempts by phone why didnt the company sent anything through the mail. The supervisor ( XXXX ) had no response to this. At this time I asked for a courtesy to release the vehicle for {$300.00}, what I was able to give at the moment. She stated that I can make the payment of {$300.00} today but the full expected amount to get the vehicle back was {$800.00} by XX/XX/XXXX or it goes into auction at which time I will be responsible for all fees including what the remaining payment was on the car. At this time I am without a vehicle and a standstill with the company as I do not have the full amount to get it back.
Consumer complaint received 2024-06-04
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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and XXXX data breach.
Consumer complaint received 2024-08-31
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. (MI)

Sent the company a letter certified mail with no response or proof asked. They are fraudulently reporting this to my credit report I have requested that they provide the purchase agreement to show full ownership of such account and also other documents for my review.