davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-18
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: EQUIFAX, INC. (IN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items. It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate, corrected and deleted for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX CT XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$460.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2900.00} XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$6500.00} XXXX XXXX XXXX Balance Owed : {$830.00} XXXX XXXXXXXX Balance Owed : {$900.00} XXXX XXXX Bankruptcy Reference # XXXX XXXX  XXXX Bankruptcy Reference # XXXXXXXX XXXX XXXX Inquiry Date XX/XX/year>
Consumer complaint received 2023-12-18
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC. (AZ)

My vehicle was recently repossessed on XXXX My lender Santander has done a sub par job at allowing me to reconcile the account in hopes to refinance with a new lender. I was given a date in which my vehicle would be sold in auction which was XXXX I was told by Santander that I had the option to refinance with a new bank before the car was sold in auction but when I went to refinance my car with new lenders, we were told my account with Santander was closed and reported to the credit bureau. I reached out to Santander alerting them of this issue and how it contradicts what they previously told me. Santander charged off the account after telling me I had until the car was sold in auction. Because my loan was a secured loan that is negligence on their end. I was never given a chance to reconcile my account with them. After telling them this, they then issued me another date that the car would be sold in auction. Which is XXXX   This doesnt help my case at all because they are unwilling to remove the charge off that they prematurely put going against the rules of a secure loan. Ive been stalled, ignored, and passed along by Santander through this process. The issue lies with Santander prematurely charging off my account. Leaving me no chance at refinancing with a new lender. Ive exhausted all options with them and feel like they have taken advantage of the fact that this is my first time dealing with this issue and having a car. This is a time sensitive Matter and Santander has left me with no other choice!
Consumer complaint received 2024-07-14
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)

I am writing to file a complaint regarding unauthorized inquiries on my credit report. On XX/XX/XXXX, I submitted a complaint stating that I had unauthorized inquiries and demanded that they be removed immediately, citing a violation of my consumer rights under 15 USC 1681. However, I received a response without any proof of these inquiries being made by me, which is illegal. 

TransUnions failure to act on this matter is also illegal. I have filed a complaint with the Office of the Comptroller of the Currency ( OCC ) and will proceed to small claims court to sue TransUnion if I do not receive a remedy. Transunion has 15 days to respond and remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I expect immediate action to rectify this situation and the removal of these unauthorized inquiries from my credit report.
Consumer complaint received 2024-05-16
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-25
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 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 2024-06-09
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. (MI)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2024-06-05
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. (NY)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 block this information from my credit report.
Consumer complaint received 2023-09-19
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: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00}
Consumer complaint received 2024-07-14
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. (CA)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2023-09-12
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: EQUIFAX, INC. (AZ)

I have called Equifax on several occasions to fix my address. They have continued to repeatedly put the incorrect address on my report. This is like the 4th time im waiting on a correction of my report because i purchased a 3 score monitoring with experian so i can monitor my credit report but equifax keep intentionally putting the wrong address on my report. I spoke with 2 different supervisors to correct this information and today i woke up to XXXX and XXXX reporting the incorrect address that equifax reported to them. My XXXX and XXXX address were correct. Now equifax has sent the wrong address to these bureaus causing more delay in obtaining my credit scores. My correct address is XXXX XXXX XXXX XXXX, Arizona XXXX. Equifax is reporting XXXX XXXX XXXX XXXX XXXX XXXX this is not an address clearly, they have also reported XXXX XXXX XXXX XXXX, this is clearly not an address. Please advise Equifax to stop reporting incorrect information intentionally, this is a waste of my money, i pay XXXX XXXX for a XXXX score report only to retrieve experian only because of Equifax incompetence to relay the correct information on their report. This blocks my score and is theft when im paying for a 3 score report. Please advise Equifax to fix errors and to report to experian and transunion the correct addresss which is XXXX XXXX XXXX XXXX, Arizona, XXXX This is ridiculous, unwarrented, and intentional because i spoke with the supervisors and they have the correct information and it was repeated back to me correctly. Im not understanding how can XXXX bureau intentionally blocks people report on purpose. It doesnt take 4 times to correct an address.
Consumer complaint received 2024-07-14
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. (CA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I have filed multiple disputes with the credit bureaus regarding an account that is reporting inaccurate and incomplete information. XXXX deleted the inaccurate account after a proper investigation. Firstly, the account in question was initiated in XX/XX/XXXX, and I paid on time every month. However, the contract for the rental apartment being reported inaccurately shows a start date of XX/XX/XXXX. Evidence supporting this is attached. 

Secondly, the third-party debt collection agency, XXXX XXXX XXXX XXXX XXXX my rights under the Fair Debt Collection Practices Act ( FDCPA ) by failing to inform me of my right to dispute the debt. Additionally, the agency provided contradictory balances owed, further violating the FDCPA. 

Furthermore, the data reported by the credit bureaus regarding the terms, monthly payments, account type, payment history, and the status of the account ( open/closed ) are all inaccurate. This account is reporting incorrect, incomplete, and misleading information. Again, evidence is attached. 
XXXX. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) : Under the FCRA, credit bureaus are required to report accurate information. Any incorrect or incomplete data must be corrected promptly once disputed. 
15 U.S.C. 1681i : Requires credit bureaus to conduct a reasonable investigation upon receiving a dispute. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) : 15 U.S.C. 1692g : Requires debt XXXX to provide a validation notice within XXXX days of the initial communication, informing the consumer of their right to dispute the debt within XXXX days. 
15 U.S.C. 1692e : Prohibits debt XXXX from using any false, deceptive, or misleading representation or means in connection with the collection of any debt, including providing inaccurate balances.
Consumer complaint received 2023-08-28
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: EQUIFAX, 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 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 2023-10-25
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. (LA)

I, XXXX XXXX XXXX XXXX have been a victim of identity theft. As a Louisiana resident, I was impacted by the Louisiana DMV Data breach, with all of my information exposed. I do not have any accounts with the companies listed, and I have attached my FTC report for accuracy. My credit report currently needs to report accurate information as a result of identity theft. I'm asking that for this to be corrected for accuracy. 

XXXX | {$10000.00} | identity theft - no account with them. 

Inquires XXXX XXXX XXXX XXXX | XX/XX/23 & XX/XX/23 | inquiry " result of identity theft - no account or car with them. 

XXXX XXXX XXXX XXXX | XX/XX/23 - inquiry | result of identity theft | no account with them.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

There are unauthorized inquiries on my credit report that I asked to be removed. There are no open accounts with this inquiries however I did not give permission for my credit to be ran as I had my own financing. I sent a letter to Equifax to remove these inquires on XX/XX/XXXX via XXXX Mail and they sent me a letter removed some items but have not removed the inquires.
Consumer complaint received 2024-07-14
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. (UT)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681section 602 A. Section 604 A section 2 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-08-25
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. (CA)

XXXX XXXX XXXX  did not provide me the original application contract. And have been negatively reporting to Experian and XXXX my consumer credit reports. I demanded to removal of this negative account immediately. The others were unauthorized credit inquiresXXXX 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 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have an automatic payment scheduled for the minimum due to avoid late fees but I prefer to pay my statement balance every month manually in the Capital One mobile app to avoid revolving interest charges. I select to pay on the due date ( XXXX ) and choose the remaining statement balance ( {$2300.00} ) option. Next there is a prompt, that asks if I want to keep the scheduled minimum payment ( {$44.00} ). I choose 'no ' because I have already covered the statement balance and wanted to avoid duplicate payments. 
The numbers in ( ) are from my most recent statement and I have included screenshots from the app for reference. The issue that I have is that my statement balance is {$2300.00} and I am not given that option in the payment menu and the remaining statement balance option that is given apparently deducts future scheduled payments including the autopayment I have scheduled. This is not disclosed and my understanding was that remaining statement balance was statement balance less payments/credits representing the payment required to avoid revolving interest. What is even more concerning is the subsequent prompt asking whether I want to keep the min due autopayment knowing it has been deducted from the remaining statement balance. And again it is not disclosed that this will cause the acount to revolve. This appears to be an intentionally deceptive and predatory practice and has caused my account revolve for months.