davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
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'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 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

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 be investigated and corrected for erroneous reporting in my file and are listed on my credit report. DEPT OF EDXXXX XXXX Balance : {$1300.00} ; DEPT OF EDXXXX XXXX Balance : {$1700.00} ; DEPT OF EDXXXX XXXX Balance : {$520.00} ; DEPT OF EDXXXX XXXX Balance : {$3900.00} ; DEPT OF EDXXXX XXXX Balance : {$2900.00} XXXX DEPT OF EDXXXX XXXX Balance : {$2100.00} ; DEPT OF EDXXXX XXXX Balance : {$93000.00}.
Consumer complaint received 2023-09-26
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-10
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. (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 2024-01-05
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: Experian Information Solutions Inc. (MO)

It's truly unbelievable that Experian notified me again there working yet on another complaint and once again they are NOT working on anything but mean while constantly pushing high interest credit cards on loans with interest rates like a loan shark. Clearly it's a computer generated response and one persistent reading or addressing the problems
Consumer complaint received 2023-09-26
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. (NV)

This is my 11th attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX, SC XXXX XXXX  XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$770.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX ( Original XXXX : XXXX AT XXXX XXXX XXXX ) XXXX Balance XXXX {$5000.00} XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX
Consumer complaint received 2023-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2023 the Consumer sent a Notice via U.S. Certified Mail return receipt request to rescind the security interest agreement that was obtained with deceptive language and forms by the Corporation listed in this complaint. This is a reconfirmation notice to the Corporation of the notice to rescind the security interest agreement. The 20-day process as required pursuant to the CFPB began when the company received the notice last week.
Consumer complaint received 2024-04-10
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. (WI)

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-04-10
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. (IL)

I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant anxiety and distress they are causing me.
Consumer complaint received 2024-04-10
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. (GA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of this information enter above have violated my rights 15 U.S.C 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Sections 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 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 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

I need to clarification as to why the credit bureau XXXX, XXXX and XXXX XXXX is reporting certain information on my credit report. Please review the following : Account Name : Nissan Motor Acceptance Account # ending in XXXX Your are reporting this account as open yet you also are reporting a monthly payment and Ive been sent to XXXX XXXX XXXX as a changed off debt collector. Delete this account immediately due to the inaccuracy.
Consumer complaint received 2023-09-26
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. (NE)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-10
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)

PLEASE SEE ATTACHED!! 


I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined and attached the following incorrect late payment below. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account name : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/scrub>XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Grain Technology, Inc. (NC)

I the consumer do not have access to the Grain application, it states my application has been cancelled meaning the Agreement between Grain and I has been cancelled. Furthermore I do not have access to Grains Terms of Service, Partner Credit Agreement, and Account Opening Disclosure and there has been no email provided to me the consumer evidencing Grains Terms of Service, Partner Credit Agreement, and Account Opening Disclosure and my account has been closed. Regardless as a Federally Protected Consumer I am now opting out of any and all authorization I the consumer may have giving you by way of Grains Terms of Service, Partner Credit Agreement, and Account Opening Disclosure to disclose any of my nonpublic personal information provided by I the consumer to Grain, any nonpublic personal information resulting from any transaction with I the consumer or any service performed for the consumer and otherwise obtained by Grain. I am now asserting my unequivocal right to opt-out of the sharing of my nonpublic personal information per the Gramm-Leach-Biley Act ( GLBA ) specifically 15 U.S.C. 6802. Failure to honor my Opt Out Notice is evidence of Grain Technology Inc, depriving me of my right to Financial Privacy, as well as depriving me of my right to Equal Protection Under the Law.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (IL)

One Main Financial acct XXXX an fraud account listed on my report is the amount of {$17000.00}. XXXX XXXX acct XXXX has a fraud account listed on my credit for {$600.00}. XXXX acct XXXX has a fraud account listed on my report with credit limit of {$2000.00}. XXXXXXXX XXXX has a fraud account listed on my report.
Consumer complaint received 2023-09-17
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) and I noticed some late payments posted on my consumer report.This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. 

Remove late payment on this Account XXXX. XXXX XXXX XXXX XXXX. Acct # XXXX XXXX. Opened XX/XX/XXXX XXXX. ( XXXX showing XXXX XX/XX/XXXX )
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (TX)

In accordance with the fair credit reporting act XXXX account Regional Acceptance CorpXXXX has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-10
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 am writing to request a reinvestigation into discrepancies found in my recent credit report. Upon reviewing an updated copy of my credit report, I discovered that certain credit references, which have been reported and verified, are not included in the report. 

The missing credit references are crucial for accurately reflecting my creditworthiness and financial standing. Therefore, it is imperative that they are properly documented and included in my credit report. I am asking for immediate correction fot late open account and remove the charge off account in question : XXXX XXXX Balance Owed : {$4300.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 

XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

I trust that you will conduct a thorough reinvestigation into this matter and ensure that my credit report is corrected accordingly. If there are any additional steps or documentation required from my end to facilitate this process, please do not hesitate to inform me.
Consumer complaint received 2023-11-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (AZ)

We have sent XXXX wire transfers from XXXX XXXX to Citi bank as below as an investment to a forex broker and discovered that it is all fraud and scammers account. We worked with XXXX XXXX to communicate with XXXXXXXX XXXX to reimburse our funds as they are responsible for not identifying the fraud accounts but they were not responding. So I want to complain on Citi bank for not responding and for not reimbursing my funds. Date and amount of transfer was XX/XX/2023 {$10000.00}
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/2016. I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My loan was through XXXX XXXX. I went in did my paper work on the car they showed me and that I test drove everything went well. I left off the car lot Happy, I drove the XXXX XXXX XXXX XXXX for two weeks, and the dealership called me after two weeks  on Wed, XX/XX/XXXX, @ XXXX to tell me that I had the wrong vehicle, They stated that the paperwork on the vehicle that I had Vin number did not match the paperwork I signed. That I need to get the vehicle back ASAP they have giving me the wrong vehicle. When I got back to the dealership, the vehicle they tried to give me, I did not want, so I left it there, but its still on my credit report and I can not seem to get it off my report. I also have a text message that the dealer sent me telling me that I need to call them ASAP.
Consumer complaint received 2018-08-08
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: PNC Bank N.A. (MI)

On XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX of XXXX I received a hard inquiries on my personal XXXX Credit Report from PNC Bank which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from PNC Bank in connection with these request on these days. I am and have been a victim of ID theft in the past and my credit reporting tool login indicates recent hacking on my profile as far back as XXXX. While nothing has happened this year, I would like this to be addressed as soon as possible.
Consumer complaint received 2023-09-26
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 hope this letter finds you in good health. I am writing to express my growing frustration and concern about the continuous presence of a late open account on my credit report, despite my numerous attempts to have it corrected. It is essential that my credit report accurately reflects my financial history, and I have made diligent efforts to address and rectify the inaccuracies that have adversely impacted my creditworthiness. 

Over the past several months, I have discovered a late open account listed on my credit report when I requested a copy from your agency. This late open account, which pertains to [ describe the account in question, including the creditor 's name and any other pertinent details ], is not representative of my financial history, and I have consistently disputed its accuracy. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I have initiated disputes with your agency on multiple occasions to correct the inaccuracies related to this late open account. Each time, I have provided all the necessary documentation and evidence to support my claims, expecting a prompt and thorough investigation. 

Unfortunately, my persistent efforts have yielded no resolution or response from your agency within the 30-day investigation period mandated by the FCRA. This continued lack of response infringes upon my rights as a consumer and perpetuates the financial harm I endure due to this inaccurate late open account. 

Despite the considerable evidence I have provided to support my claims and the multiple attempts I have made to address this issue, the late open account continues to negatively impact my credit report, causing ongoing damage to my financial well-being. 

I insist that you take immediate and definitive action to investigate and correct the inaccuracies related to the late open account on my credit report, as mandated by the FCRA. Furthermore, I request a written response outlining the results of your investigation and the actions taken to rectify my credit report within the legally mandated timeframe. 

Failure to resolve this matter promptly and effectively will leave me with no choice but to escalate my complaint to the relevant regulatory authorities and consider legal action to protect my rights as a consumer. I am fully prepared to pursue any necessary recourse to ensure the accuracy and integrity of my credit report. 

Enclosed with this letter, you will find copies of all relevant documentation, including previous dispute letters, supporting evidence, and any other documentation substantiating my claims. These documents unequivocally demonstrate the inaccuracies related to the late open account and emphasize the urgency in their correction. Please help me correct the late open account : XXXX XXXX XXXX XXXX Balance : {$4700.00}
Consumer complaint received 2023-10-05
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)

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1500.00} MXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$1600.00} XXXXA XXXX Balance : {$0.00} XXXX  XX/XX/2023
Consumer complaint received 2023-01-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

Agency did not provide me the consumer the following information. 
The Following information is required. Please fill out the form below in its entirety. 
1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful :