davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-09-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Wheel City Motors East, Inc. (SD)

My complaint is for vaguely threatening collection attempts. I unfortunately don't have the specific date but it's happened twice now where I have contacted the 3rd party financial institution that works with the car dealership to let them know that there was an issue with either a paycheck being short or some unforeseen reason that my ACH payment didn't go through. Both times I am addressed rudely and unprofessionally about the situation and they won't give me any specific information regarding late fees or repossession. I have never been more then maybe 8 days late on my payment, and it's only happened TWICE in the last year. The most they ever give me is " we have no grace period. '' and " we can't say what will happen with you being delinquent, but something will happen. ". The payments they pull are inconsistent as well, it varies from {$260.00} to {$270.00} but no one seems to be able to explain to me what the {$10.00} difference is. As a consumer I believe it is within my legal right to know what my time frame is for certain consequences as well as an explanation for the different charges. I have reported their behavior to the car dealership as well and was apologized to but nothing changed otherwise. I have made early withdraws from my IRA to pay them due to the vague threats they give when I have gone past due because I truly don't know if they'd repossess my vehicle for being a week late, so now I have at least 2 extra penalties I'm going to owe the IRS come tax time.
Consumer complaint received 2022-02-12
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TDS Financial LLC (FL)

I had a XXXX  loan more than 10 years, I have been paid that XXXX  loan, every time a debt collector called requesting money from me, they said that They brought my debt to the original creditor but they never can provide me with the original contract. Recently I received a letter on XX/XX/2022 R & R Soulutions INC states that I owed them {$1300.00} Before I received this letter R & R Solutions INC has been calling me several times a day, they called my mother, my sister, my brother asking them to pay my debt if not they are going to sue me. 
I send them a letter on XXXX XXXX to let them know that : I dont owe them unless they can prove to me the original contract loan with date and my signature.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

The late payments showing on my report are completely inaccurate. I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. Inaccurate late payment like this is preventing me from obtaining credit that I'm trying to apply for because it's affecting my credit worthiness. Please be aware that inaccurate credit information can't be reported.
Consumer complaint received 2023-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

In XXXX I received an email from Citizens that my mortgage payment was late. As this was not correct I went to my bank and obtained proof that they had received the payments. I contacted Citizens and I found out they had rejected the payments due to the fact they had changed the payment amount. I had not been notified of this change. I questioned where this notification was sent and they provided an address that was not mine. We determined my ex-husband had committed wire fraud, I then sent them my divorce papers, the quit claim deed showing he had no right to the house and I was the responsible party. On XX/XX/XXXX I spoke to XXXX at Citizens about assuming my mortgage due to divorce. I was told they would mail me papers to complete to assume the mortgage. It took them over two months to send them and several phone call from me to them to actually get them to mail them to me. Over the last year I have sent them the paperwork they requested for me to assume the loan. I have also provided them with a W-9 as well as my husband 's death certificate. They will not refund the two mortgage payments they rejected even though they confirmed in XXXX the checks had not been cashed. This is {$3200.00}. They took over a year to change my name despite me providing them with the documents showing I had been granted a legal name change by the court in XXXX of XXXX. Then in XXXX of XXXX they emailed me an escrow refund check made out to my now deceased ex husband and me in the amount of {$730.00} however they had still not changed my name and I can not cash this check. I have had numerous conversations with Citizens and have even been put in touch with the Chairman 's office but despite being told by them all I need to do was sign one document to assume the loan I have been unable to do so. they continue to ask for documents they did not need to deliberately delay this and I believe they did so to prevent me from refinancing my loan with another company while the rates were lower. I also think they may be discriminating against me due to my age.
Consumer complaint received 2023-06-09
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: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-27
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. (MI)

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ Unauthorized addresses XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX, XXXX, mi XXXX
Consumer complaint received 2023-12-27
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. (ID)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2016-04-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NV)

all three credit agency, s says there not able to at this time to give me a credit report I tried to get a credit card at wells fargo bank and they denied because they said the credit score was low I contacted the credit agencies 3 days after I received the letter from the bank that I was denied the credit card
Consumer complaint received 2023-04-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Finance Company, Inc. (CO)

Was served with a " summons to answer '' and " complaint under simplified civil procedure '' that does not contain a clerks signature or a case number, has post office address as XXXX XXXX XXXX XXXX . 
I have not ever heard of the plantiff, no form of prior contact.
Consumer complaint received 2023-04-26
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. (NY)

In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX account # XXXX, as well as XXXX XXXX XXXX account number # XXXX, XXXX XXXXXXXX XXXX XXXX account number # XXXX, XXXX XXXX XXXX account number # XXXX, XXXX XXXX account number # XXXX XXXX XXXX account number # XXXX & # XXXX has violated my rights 15 U.S.C 1681 section 602. A states that I have the right to privacy 15 U.S.C 1681 section 604. A section 2 it also states a consumer reporting agency can to furnish a account without my written instructions
Consumer complaint received 2024-04-01
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: Experian Information Solutions Inc. (TX)

In agreement with my state 's reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without physically verified proof of fullness of truth, completeness of accuracy, timeliness of validity and or certifiable compliant reporting else wise to include but not limited to the standards and mandates described or hinted at via the applicable FCRA and FDCPA laws much less the standard of compliant reporting of the settled perfect and entire Metro 2 Format compliance of reporting! Your present-day reporting is significantly questionable and unproven to be certainly true, correct, integral, timely, validated and or else wise certified compliant as related to the mandates and standards of lawful reporting To the degree that the applicable aspects of the FCRA and FDCPA to include but not limited to the mandatorily perfect and replete certified Metro 2 format reporting!

You are reporting inaccurate and incomplete details in regards to the below noted educational account ( s ). I demand that you contact the Educational facility, as I have already done, and demand a validation of the debt ( of course they can't provide the statement at this time ). Since they can not or will not provide an itemized statement for the services, they are clearly in violation of the FCRA and FDCPA. Please outright your investigation of this Educational Collection and remove it because the provider can not validate the information you are reporting on my credit report. REMOVE the following suspect allegation ( s ) immediately and permanently : **********************************************************************
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX account # XXXX, as well as XXXX XXXX XXXX account number # XXXX, XXXX XXXX Bank XXXX account number # XXXX, XXXX XXXX XXXX account number # XXXX, XXXX XXXX account number # XXXXXXXX XXXX XXXX account number # XXXX & # XXXX has violated my rights 15 U.S.C 1681 section 602. A states that I have the right to privacy 15 U.S.C 1681 section 604. A section 2 it also states a consumer reporting agency can to furnish a account without my written instructions
Consumer complaint received 2023-12-27
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. (OH)

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 TransUnion, XXXX XXXX XXXX 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. TransUnion, XXXX, XXXX 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 entities involved.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

This account was sold to a 3rd party. That 3rd party is and was reporting to the credit bureau. I have tried to resolve this with the org company and they have continue to tell me to call the 3rd party. The 3rd party is not the one reporting Inaccurately. This is preventing from me getting a mortgage and needs to be resolved ASAP
Consumer complaint received 2024-04-01
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. (FL)

Last year I opened a XXXX membership and I got a credit card and a new accounts. Unfortunately, even though the XXXX XXXX has a Zero Fraud Policy they still didnt give me the credit back for the fraudulent transactions that took place on the credit card. The moment I reported the fraudulent transactions to them they closed the account and they didnt give me any information. On top of that they didnt complete the fraudulent transaction dispute failed to complete the investigation and the bank did the unthinkable by sending the fraudulent transactions that were billed to the account and then they reported it as derogatory to the credit reporting agencies. Im confused by this because I dont understand how this happened to me. This is a very simple example of how the banks get sued. They have fraud representation on staff who have been given the authority to close the account without any compensation for the loss and when it comes down to the bank being compliant they are not. This credit union is criminal because if they were violated the way I was XXXX back office would have followed the law perfectly. Even though they have been doing this for over a year now they have destroyed my credit.
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NC)

I Would be happy to settle any Financial obligation I may own as soon as I receive the following documentation form you.

1 ) The Validation of debt which is actual accounting 2 ) The verification of your Claim against me, a Sworn Affidavit or hand signed invoice in accordance with The Bills Of Exchange Act of 1882, The Uniform Commercial Codes, The Federal Fair Credit Reporting Act and The Georgia State Statues of Lawful Purpose.

3 ) A copy of the contract signed by both parties 4 ) Please also provide me with a True and Certified Copy ( not a photocopy ) of the Original Note under penalty of perjury and with unlimited liability and confirm that this Note has never been sold.

5 ) Please also confirm the name of the Individual who is the Duly Authorized Representative from your company, who has carried out Due Diligences under The Money Laundering Regulations 2007 and what actions he or she has taken in relation to this account
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion deleted my Authorized User Accounts that are in good standing. I have repeatedly attempted to get them to re-insert them on my report multiple times with no success! 

Below is the letter I sent them along with the letters written by XXXX XXXX asking them to report this information, and yet Transunion still refuses to report my good standing Authorized User accounts!! 

Urgent Request for Reporting Authorized Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion, I hope this letter finds you in good health. I am writing to address a matter of urgency regarding the reporting of authorized user accounts on my credit profile with TransUnion. 

XXXX XXXX has recently submitted letters to your bureau requesting the inclusion and accurate reporting of authorized user accounts associated with my XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These letters, provided by XXXX XXXX, detail the authorization status and relevant account information. 

Despite the correspondence from XXXX XXXX, my recent credit report from TransUnion still does not reflect the authorized accounts in question. As you can appreciate, accurate reporting is vital for maintaining a comprehensive and truthful credit history. 

Enclosed with this letter, please find copies of the letters sent to TransUnion XXXX XXXXXXXX XXXX, affirming the authorized user status on the specified accounts : XXXX XXXX XXXX XXXX XXXX : Authorized User XXXX XXXX XXXXXXXX XXXX : Authorized User I urgently request your immediate attention to rectify this discrepancy and ensure the accurate reporting of the authorized accounts on my credit report. I believe that the documentation provided by XXXX XXXX should facilitate a swift resolution to this matter. 

Your prompt attention to this matter is greatly appreciated, and I trust that TransUnion will take the necessary measures to update my credit report accordingly.
Consumer complaint received 2024-04-01
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 am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This Consumer Note is my official call for you to discontinue reporting the items below-displayed and the aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and otherwise physically verified and validated claims. Due to at least these few compliance issues in your current reporting, I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. The bureaus have not responded and the Federal Reporting Agency has not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days. 
Please delete the following account the are not accurate : XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX OH XXXX the above accounts are not correct. I have challenged them before.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have filed a dispute with Transunion twice regarding my XXXX  XXXX XXXX account. My balance has been paid in full and I owe nothing on that account. The balance was paid several months ago but Transunion says they are reporting accurate information. This is a blatant lie and proves they do not investigate.