davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
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. (IL)

Ensuring timely payments is a habit of mine. I am absolutely certain about this. What I find puzzling is why this company is labeling me late in certain months, which is unacceptable. USC 1666b states that any billing errors need to be fixed ; otherwise, they'll owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

In XX/XX/XXXX I made the decision to close this credit card after numerous issues with XXXX XXXX issued by XXXX XXXX XXXX. I contacted them via phone to initiate the account closure and at about the same time revoked account access to my checking account with XXXX via a third party app called XXXX. This app enables a company to see an account holders balance and transaction history within my personal checking account. The day of that call and prior to closing the account I used the lenders app to initiate the payment of the majority of the balance due them. 

Within days of closing the account I no longer had access to the XXXX XXXX app or website for current account balance and to make debit payments from my XXXXXXXX XXXX  account as payment to XXXX XXXX. This lender also does not accept payments pushed from my bank to them via XXXX. I should also mention that auto pay was set up on this XXXX account to ensure that a payment due was never missed. 

Based on my experience, conversation with XXXX bank and my numerous attempts to get answers from XXXX, it appears that when I revoked permissions via XXXX this lender automatically stopped sending XXXX debits to XXXX for payments whether payments I requested or auto payments. They simply stopped and as a result have reported my account as delinquent, charged erroneous finance charges, refused to resolve the issues and made numerous claims that my bank reversed payments when in fact they reversed the payments and never submitted them into the XXXX clearinghouse. 

I was able to pay them {$320.00} via check on XX/XX/XXXX check number XXXX. They did successfully apply that payment to my account but now insist that i still have a balance for finance charges. They have also reported the account as 60 days late to the credit bureaus.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I looked on my credit report and noticed that there is a late payment for 30 days for my credit card account for XXXX XXXX in XXXX of XXXX  PLEASE Update this account to PAID ON TIME and NEVER LATE I have never been late on my credit card payments and it is inaccurate please help me fix this with the credit bureaus to update my report asap.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc. (CA)

Under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. 

In a reasonable effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, and proof of your authority in this matter. Absent such evidence, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

What is your authorization of law for your collection of information? 
What is your authorization of law for your collection of this alleged debt? 
Please evidence your authorization to do business or operate in this state. 
Please provide evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and promptly will work as a waiver to any of your claims in this matter and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed.

Your continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from all sources you have reported it to.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status. 

Regards, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-07-11
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. (WV)

There is information on my Consumer report that I did not provide written permission or instructions for identified transactions to be reported on my consumer report. Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ) - Permissible purposes for consumer reports ; In general ; In accordance with written instructions of the consumer to whom it relates. 
XXXX and Transunion are in violation of the Fair Credit Reporting Act. In addition to 15 U.S.C. 1681c- Requirements relating to information contained in consumer reports ; No adverse item besides the conviction of crimes should be on your report, any item that is derogatory mark is not allowed into consumer reports, that is another violation.

12 C.F.R. 1022.3 defines Identity Theft as fraud committed or attempted using identifying information of another person without authority. According to the Fair Credit Reporting Act 15 U.S.C. 602 states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' rights to privacy. '' XXXX and Transunion are a consumer reporting agency, and I am the consumer. I have the right to make sure my private information is not shared, which is backed by 15 U.S.C. 6801- " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. ' As of XX/XX/, there is an Auto Loan, Unmailable addresses and phone numbers on my report that are unauthorized by XXXX and Transunion
Consumer complaint received 2023-07-11
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. (AL)

I sent out a dispute letter to trans union XX/XX/XXXX and they received the dispute XX/XX/2023 I asked of them to foster any information that can not be property verified due to me being a victim of identity theft also with the request a police report and identity affidavit was sent along with my identification, I recourses a letter from trans union XXXX XXXX starting that the accounts came back verified and accurate when how so if they did not send any proof of how they validated any debt anything from the original debt collect or a valid signature. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts vou post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

BECAUSE OF THE CLASS ACTION LAWSUIT AGAINST [ XXXX XXXX XXXX ]. 
2. DEFICIENCY WAIVERS : XXXX IS REQUIRED TO FORGIVE THE REMAINING BALANCE ON CERTAIN CAR LOANS FROM XXXX TO XXXX. ALSO XXXX WERE TO REQUEST THAT THE LOANS BE REMOVED FROM CONSUMER ' CREDIT REPORTS. XXXX VIOLATED CONSUMER PROTECTION LAWS BY EXPOSING SUBPRIME CONSUMERS TO UNNECESSARILY HIGH LEVELS OF RISK. ( PREDATORY LENDING PRACTICES ). THIS REPO SHOULD NOT BE REPORTING TO MY CONSUMER REPORT ACCORDING TO THE UCC.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This account was a charge off. last payment was XXXX went into charge off in XXXX XXXX since then, the account has been repeatedly updated as charge off ever month. for 49 months. When it should only have been once. this is a update to payment history. a charge off account should not include active payment history. the inaccurate information falsely manipulates the statute of limitations. you failed to investigate this account properly and your neglect has violated. my rights. this was a voluntary surrender of car in XXXX XXXX and you didn't close account till XXXX XXXX when it should of been closed in XX/XX/2018. 

XXXX XXXX account # XXXX last XXXX ss # XXXX XXXX address - XXXX XXXX XXXX XXXX NY XXXX Consumer Financial Protection Bureau Case # XXXX
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Service International Corp (FL)

I checked my credit report again today and I noticed that this company is still reporting this account on my credit file that has no verification or notices according to FCRA to be on my credit file. 
They have not sent me anything in reference to this account they have just placed this account that don't belong to me on my credit file. 
Account disputed/ Inaccurate / violation of FRCA : This account is in violation of the U.S Codes listed below : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements ( b ) Opt out - provide original copy of notice sent to me 21 days prior to account being updated ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2023-07-12
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (CA)

I was traveling by car with my new debit card on XX/XX/2023. I got gas in the Amount of {$100.00} even. The following day I noticed my account was {$1400.00}, short. Two separate claimes, {$340.00} plus {$1100.00}. In review I noticed there had been several online unfamiliar and unauthorized online charges. I immediately called Navy Federal to report and open a claim. The charges were reversed pending investigation. 

On XX/XX/2023 the charges were added back to my account. I called Navy Federal and I was told the claim was denied. I ask for an explanation and supporting documentation. I was told their was no documentation they could give me. I also wasn't given a reason for the denial.
Consumer complaint received 2024-03-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Village Capital & Investment LLC (VA)

I paid XXXX and XX/XX/2024. They have misapplied my payments and sending me texts that I am in default and my account has gone to credit bureaus. When the issue has not been with me but their inept to apply the funds to the correct months. Then they try to say I was short XXXX cents when I paid the correct amount. There was an overpayment of my escrow in the amount of XXXX cents and that is why XXXX payment was XXXX cents short. I have the letter to prove it from Village Capital. I would like this fixed immediately and both my husband and I 's credit report corrected for any unjust late payments. This is unacceptable for the company to be confused when XXXX 's mortgage was cleared and paid and then confusion when I paid XXXX 's. Terrible!
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

According to 15USC 1681 the fair credit reporting ACT violated my RIGHTS and shall respect the consumers RIGHT with fairness and privacy AND SHALL NOT UPLOAD ANY ON MY CREDIT REPORT WITHOUT MY WRITTEN PERMISSION. EQUIFAX, XXXX AND XXXX reinvestigate these accounts below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

The week of XX/XX/18 I was unable to get my free annual credit report from Equifax. I knew there was incorrect information on it from another credit monitoring service which is able to access my Equifax information. 

I was able to submit a dispute at some point that week. I received an email from Equifax with the report number and a link to view the results of the dispute. However the same problem persists in that I am unable to view any information about my credit or the result of the investigation. All paths on their service lead to an error saying that my correct information does not match their records ( see attached screenshot ). This leads me to believe that their information on me is incorrect in some way if I can not access it. I am reasonably sure the information I am providing is correct as I can access my credit at other companies. I reported the error to them but was unable to reach them as the email is unmonitored.
Consumer complaint received 2023-11-30
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. (GA)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I am writing to address the matter concerning XXXX XXXX and XXXX XXXX. Enclosed, you will find XXXX XXXX 's rebuttal to the judgment submitted by XXXX XXXX. 

It has come to my attention that XXXX XXXX 's actions are not reflected in my credit report. Therefore, I request the dismissal of this correspondence and the case associated with it. 

Attached, please find a copy of my credit report and supporting documents for your reference. We firmly believe that XXXX XXXX 's response deserves thorough review and consideration by the relevant authorities. 

We trust that you will carefully examine the details of this case in an impartial manner. Should you require any additional information or clarification, please don't hesitate to contact me. Thank you for your attention to this matter.
Consumer complaint received 2023-11-30
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. (GA)

After receiving phones from these debt collectors companies XXXX XXXX XXXX and XXXX XXXX XXXX I was informed of a debt. I spoke with so many representatives and explained this is not my debt to both companies. I contacted all 3 credit bureaus and informed them of these fraudulent accounts and nothing has been done. XXXX XXXX XXXX is stating a car loan for XXXX not my car. XXXX XXXX XXXX is stating {$240.00} both of these companies have my credit listed delinquent, and neither one of these companies has an account with me at all and are hurting my chance of obtaining credit.
Consumer complaint received 2023-08-30
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. (CA)

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 2024-03-29
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. (GA)

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. 

Account Name : XXXXXXXX XXXX Account NumberXXXXXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.