davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this

is Under USC 1681g, delete this within 15 days. See the documents attached.
Consumer complaint received 2024-04-06
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: EQUIFAX, INC. (NJ)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance to with fair credit reporting act XXXX Account # XXXX, has violated my rights. 

5 u.s.c 1681 section 602 A. States I have a right to privacy.

5 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 5 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I purchased my XXXX XXXX in XX/XX/2019. It was a lease with option to purchase at the end of the lease. The dealer mislead me. I was told that my lease payments go towards the purchase price of the car If I choose to buy the car at the end of the lease. It made sense to me because because i could get a new lease or just keep the car and the car would be virtually paid off if I chose to keep it. The opposite happened. I made lease payments for three years and decided to keep the car at the end of the lease expecting too owe less than {$10000.00}. The payoff quote states almost {$20000.00}. I was intentionally lied too. My son who has some intellectual deficits didn't understand the deal they said they were giving me. I myself am a XXXX  citizen. They took advantage of my family and I am very upset. This needs to be corrected as I am considering filing a lawsuit.
Consumer complaint received 2023-04-26
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. (MS)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$630.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX : {$1200.00} XXXX  ( Original XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$630.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX # : XXXX
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Kindly review the attached documents. I urge the bureau to commence an investigation into these accounts, as I am consistently punctual with payments, contrary to the reported late status.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Late payments were reported on my credit report for the following. 


XXXX XXXX - Currently late - 7 missed payments XXXX XXXX XXXX XXXX XXXX 2 missed payments
Consumer complaint received 2018-08-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (NV)

There is a bill that is reporting with a XXXX XXXX and it was disputed, they then reported it as XXXX balance and sold it to another collection company a Source Receivables. So the XXXX has hit my credit scores then the Source Receivables hit my scores. Since XXXX is a collection company and not the original company they should not be reporting the account at all because they have not vested interest in it. The Source Receivables is also reporting a new open date and not when the account first became late and never again went current therefore it's re-aging a very old account.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (NJ)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault.
Consumer complaint received 2023-04-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Trans Union has not removed an account from my report as XXXX has. 

EVIDENCE : Recent changes We found 6 changes to your XXXX credit report XXXX Credit score XXXX points since XX/XX/2023 Delinquent Payment XXXX XXXX XXXX XXXX account has become Charged Off Between XX/XX/2023 and XXXX XXXX, XXXX  your XXXX XXXX XXXX XXXX account status changed from " 60 Days Late '' to " Charged Off ''. During this period, you made 0 out of 2 payments on time. 

A " charge off '' status typically means your lender has closed your account because you became very far behind on payments. You still owe the debt though, and the charged-off account will often affect your Payment History and cause your score to go down. 
Balance Increased XXXX XXXX XXXX XXXX account balance increased Between XX/XX/2023 and XXXX XXXXXXXX XXXX, your XXXX XXXX XXXX XXXX account balance increased by {$270.00} from {$6400.00} to {$6700.00}. 

It looks like your balance went up. Your total debt typically factors into your credit score, so it's best to keep it low if you can. 
Balance Decreased XXXX XXXX XXXX, XXXX account balance decreased Account Closed XXXX XXXX XXXX XXXX account was closed Between XX/XX/2023 and XXXX XXXXXXXX XXXX, your XXXX XXXX XXXX XXXX  account appears to have been closed. 

Lenders like to see that you have experience successfully managing your credit. Closing an account could affect your average age of credit history. Generally, you'll want to keep your oldest accounts active and in good standing in order to prevent them from being closed. 
Account Information Changed Remark code added to XXXX XXXX XXXX XXXX account Remark code removed from XXXX XXXX XXXX XXXX account
Consumer complaint received 2023-04-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit IMPACT RECEIVABLES M XXXX XX/XX/2017 {$5500.00}
Consumer complaint received 2024-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CO)

My federal student loan servicer is Edfinancial Services. On XX/XX/2023 or 361  Days ago I made a payment on one of my student loans, specifically, I paid {$1600.00} on loan 5 or Loan E. At this time Edfinancial Services transitioned from one website to another website platform. The payment I made on Loan 5 or Loan E never posted on the new platform. To this day it still shows I owe that payment in addition to the interest its accrued. I have supplied screen shots of my bank statement where the money was removed from my account. I have also provided the confirmation number that Edfinancial Services gave me for the payment. This loan should have been paid off in full in 2023. I continuously receive delinquency notices for a loan that I already paid off in full. I am not paying a penny more than i owe on these loans. Recently i found out that Edfinancial Services took that money and put it on Loan 4. I never asked or consented for that money to be placed on Loan 4. I literally call Edfinancial Services on a monthly basis and ask for an update all they can tell me is " be patient '' and " it will only take a few weeks to fix this ''. It has nearly been a full calendar year and this problem still has not been resolved, it has only gotten worse. With inaccurate accounting and payments going to random accounts, Edfinancial Services is a complete nightmare to deal with.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS AND A SLEW OF CREDIT INQUIRIES BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. IT APPEARS THAT SOMEONE IS APPLYING FOR AUTO LINES OF CREDIT UNDER MY NAME 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 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

on XXXX, i sent XXXX. Equifax, and XXXX letters disputting the inaccurate and incomplete items they are reporting on my credit report. violating XXXX XXXX XXXX ( b ). it states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

the items that are inaccurate are the following ; XXXX XXXX XXXX XXXX XXXX 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 2018-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (NV)

Discovery, New information. 
I recently disputed a chapter XXXX bk from XXXX, XXXX as fraud. Because I was advised by the courts this was not going to report yo my 3 credit bureaus. The bankruptcy courts has advised me they did not report and to reach out to XXXX and Lexis Nexis to resolve. 

Enclosed you will find information from US Bankruptcy Court Northen District of Alabama. 
1. Inaccuracies Documentation shows Attorney XXXX XXXX XXXX filed incorrect paperwork to the courts. It was not received in 14 days .The judge dismissed my case. See attached. 
2 .Order of dismissal Judge dismissed the case hearing will not be heard. And all my attorney fees were reimbursed. Please read attached. 
3. Due to inaccuracies Judge dismissed the case. 
4. Yes, Lexis Nexis verified that a bankruptcy was filed with my ss # and name. But do to a Notice of Deficient filing or Incorrect Event. Case was dismissed and automobile was surrender to US Automotive.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

To whom it may concern : I challenge the accuracy of my credit report and ask that you review your data to ensure that it is up-to-date and compliant with FCRA section 611 and Metro 2 reporting standards . I am concerned about the potential for inaccuracies in my profile and require that all inquiries have a permissible purpose and be accurately sourced. I also demand the permanent removal of any inaccuracies immediately. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-02
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. (MI)

I received a credit report from the mortgage company and was shocked to find evidence of identity theft. Multiple accounts, like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others, were discovered, which I didn't open. I kindly request the removal of these fraudulent accounts from my credit report, in accordance with the consumer law ( 15 U.S. Code 1681b ) and CCPA/CPRA regulations.
Consumer complaint received 2018-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (NY)

Early Warning Still Has Not Resolved My Issue And Still Have Not Remove The Block For The Fraud Accounts That Where Open With My Social Security Number. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Early Warning Claims This Accounts Where Already Disputed And That The Blocked Will Remain On My Consumer Report For Opening Checking Accounts Or Saving Account For The Future and They Are Requesting For Information In Writing About This Account For They Can Disputed in XX/XX/2018 XXXX Requested to Early WARNING To Remove the block for any XXXX   Accounts.
Consumer complaint received 2018-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NJ)

Citi gave me a 24 % rate on a Citi double cash card. I called and complained they lowered to 19.25 % only after I complained. My credit score is over 800 on all three bureaus. They punish me with rate because I have no other relationships with them, I know banks do this. They also are refusing to generate an online statement fr XXXX because they told me that I owe noting. I told them I want a statement each month as I thought was required by a credit company to confirm balance and that account is opened. Only after I called did they day they'd mail one and refused to electronically send one. My  statement cut off date is XXXX of each month. Here we are in XXXX on the XXXX and statement and if I didn't chat with they would have never gotten one. I not only want a statement each month I now want paper so they can eat the cost of the postage. I want this rate addressed and explained. I can not keep closing credit cards when they are giving 24 % with an 800 fico.
Consumer complaint received 2023-07-04
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)

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-02
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. (SC)

I was in the process of purchasing a home when I learned that I had several late pays, in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-22
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. (LA)

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 inquiries 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 inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-09-15
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. (GA)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$710.00}
Consumer complaint received 2023-12-13
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. (HI)

XXXX - XXXX The monthly payment amount is not reporting correctly This is inaccurately reporting on my report. 

XXXX XXXX XXXX XXXX - XXXX This is not accurate. 
please remove it from my credit report Inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Information is Incorrect XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This Information is Incorrect