davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
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. (MT)

Experian shows a credit card on my credit report that does not belong to me and I have never heard of. It is registered in another state under a phone number I don't recognize. I disputed the account with Experian, but it was resolved and not removed from my credit report. I need the unknown credit card removed from my credit report.
Consumer complaint received 2023-09-29
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I never had a contract withthis debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect or delete
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX took my autopay later then agreed upon, flagged me for 5 missed payment 's, i have another card with them and 4 years of perfect payment history, they yelled at me when I complained asking them to fix. I have XXXX with of credits on my accounts they won't unlock it. Dates were XXXX XXXX XXXX XXXX XXXX. 
It's paid in full.
Consumer complaint received 2023-03-12
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. (OK)

15 USC 1681 Section 602 States I have the 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 card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I've received a current credit report. Soon after evaluating my credit report, it can be clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX Account XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, MN XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

sent off three letters in the month of XXXX and still haven't received any response. 
plus Capital one is reporting late payment on my credit report which 15 usc 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 2023-05-23
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: Experian Information Solutions Inc. (TX)

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 U.S.C 1681. ACCT Name : XXXX  XXXX Bankruptcy XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DigniFi (IL)

I got another credit alert from mDIGNIFI For {$5300.00} loan. Apparently opened on XX/XX/2023, but I think I had my credit frozen then so doesnt make sense as Ive been a victim of fraud on around that time already. 

Their number is XXXX I tried calling but it is a weekend. 

With my other complaint of amount around $ XXXX I did get police report. Please let me know if that info is needed as well. 

XXXX XXXX XXXX
Consumer complaint received 2018-07-06
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. (CA)

XXXX XXXX is reporting me with late payments and that card belongs to my dad.

XXXX XXXX is reporting 2 credit cards with late payments and those cards belong to my dad
Consumer complaint received 2023-05-23
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: Experian Information Solutions Inc. (SC)

Experian has reported 1 late payment from 2 years ago XX/XX/2021 from ( The XXXX XXXX XXXX ) a credit card account that is paid in full. And current at this time this late payment that has appeared on my report from 2 years ago has dropped my score from excellent to good and has jeopardized my chances of getting approved for an mortgage i have no other late or derogatory marks on my report and has worked very hard to keep my report in good standing this has affected my livelihood tremendously
Consumer complaint received 2023-05-23
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. XXXX XXXX XXXX XXXX has failed to report accurate information on my credit report impacting my overall credit score and ability to get a job. Multiple times I have contacted XXXX XXXX and Experian to verify the accuracy of the account being reported and they have stated that the information being reported is accurate. In 2019 I received a Cancellation of debt for 1099-C for the amount of debt discharge of {$6900.00}. XXXX credit reports on Experian a total balance of {$8400.00}. 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, also states a consumer reporting agency can not furnish a account without my written instruction. Experian has failed to do a proper and accurate investigation and has validated the accuracy of an account that is not accurate. This has been an ongoing issue with previous report ( XXXX ) being closed due to not being specific. I am going to make it clear remove XXXX XXXX from my credit report as they have been reporting incorrect information on my credit report which has impacted my credit. Remove account immediately, I have provided proof that my write of balance of {$8400.00} showing on the status on my credit report is incorrect.
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NM)

I received an offer on my Barclaycard Advantage Aviator Red Mastercard in   XXXX   XXXX   which would result in 30,000 bonus American Airlines AAdvantage miles after spending {$2500.00} per month between   XXXX   XXXX   and   XXXX   XXXX  . The offer stated the miles would post to my account 6-8 weeks after my statement closed after the promotional period. It has been more than 8 weeks since then, but the miles have not posted. I contacted Barclaycardus ; however, I was told the credit card company 's records showed I did not sign up for the offer. The attachment show the offer, confirmation of my registration, and confirmation of my spend on the card.
Consumer complaint received 2023-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I am requesting a late payment forgiveness as a courtesy to help my credit. Outside of the 2 missed payments, I have perfect payment history. I was XXXX XXXX XXXX XXXX XXXXXXXX during the missed payments XX/XX/2020 and XX/XX/2020. This applies to my capital one platinum card as well as my capital one wal-mart card .
Consumer complaint received 2018-10-17
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: PENTAGON FEDERAL CREDIT UNION (CA)

XXXX client, XXXX XXXX is a victim of identity theft. She received an attempt to collect a debt related to this account established with XXXX XXXX in XXXX ; her information was used without her consent to establish this account. XXXX XXXX was cpontacted via phone and was told this account was fraudulent XX/XX/XXXX, a current reported amount of the account is {$6500.00} dollars was and still is being reported to XXXX XXXX XXXX XXXX credit bureaus. A police report was made concerning this account and that information was mailed certified with return receipt XX/XX/XXXX ( tracking number XXXX XXXX XXXX XXXX XXXX ) to the address listed on the credit reports for XXXX XXXX. This dispuite was received by XXXX XXXX XX/XX/XXXX at XXXX. My client received via mail, dated XX/XX/XXXX a XXXX XXXX affidavit, asking for the previously received and signed for FTC affidavit, police report and PII again as well as the XXXX XXXX   affidavit. This is a violation of the FCRA. Once the account was known fraudulent via the phone call XXXX XXXX had an obligation to send that affidavit and request for information to my client and they failed to do so. Now after the dispute information is received they are asking for an additional affidavit to be completed BEFORE they will conduct an investigation. THe request from XXXX XXXX has been honored and the request dispute information has been mailed again however ; under FCRA sec 611 ( a ) ( 1 ) ( 2 ) ;  XXXX XXXX already received the dispute information XX/XX/XXXX and so far the item of the account and collection have not been removed from the credit reports, this action is a violation of FCRA.
Consumer complaint received 2023-05-23
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. (OK)

On my consumer credit reports from Experian and XXXX, there is a auto loan from XXXX XXXX XXXX XXXX account # XXXX ... .opened XX/XX/2017. 
The problem is that the account list Terms of 84 months and the contract shows XXXX  months for the term of the loan and the contract also shows a purchase price of {$26000.00} and the account listed on the credit report shows a purchase price of {$24000.00} The account is not listed correct on the credit report, and the FCRA does state that everything on a consumer credit report must be 100 % accurate. I have tried to get the account corrected or deleted from the report for this violation, but the XXXX and Experian CRAs just says the account comes back as verified but they do not say how they did the investigation on the account. This is a clear violation of my rights and would like to have this situation solved. Also the account shows XXXX late payments and they never could prove to me that there was ever a late payment on the whole account. Both CRAs have a copy of the contract with this account proving everything I have tried to get corrected on the account. XXXX deleted the account for not reporting correct.
Consumer complaint received 2024-04-02
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. (TX)

I am writing to express my deep disappointment and frustration regarding the ongoing presence of fraudulent items on my account, despite multiple attempts to have them removed. Regrettably, I must bring to your attention the fact that this is now the third attempt to address and rectify this issue, yet the problem persists. 

The continued presence of fraudulent items not only undermines my confidence in your company 's security measures but also poses a significant threat to my financial well-being. 

I demand immediate and decisive action to thoroughly investigate these fraudulent transactions and ensure their complete removal from my account. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future. 

I urge you to prioritize this matter and take all necessary measures to address it promptly. My trust in your company 's integrity and ability to safeguard my interests depends on your swift and effective resolution of this issue. With this, I am asking for your assistance to remove these XXXX items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Expressed several time to this company about how in 2012 I had identity theft, the IRS has this on file as I was victim and was provided the tax advocate to investigate the problem to stop the thief from getting my money since then I've seen all types of credit and hard inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-02
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. (NC)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (MS)

My credit was ran without my consent or by someone pretending to be me. 
XXXX XXXX XXXX XXXX XXXX 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 2022-12-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services (NY)

RE- Lease of XXXXXXXX XXXX XXXX XXXXXXXX VIN # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX I handed back a XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX to Mercedes Benz XXXX XXXX XXXX XXXX condition with XXXX miles on the clock and an overpayment of over XXXX XXXX plus {$1800.00} early pay off fee which I was told by XXXX XXXX over a recorded phone line in XXXX would be waived. 

Since dropping back the leased car, I have contacted Mercedes Benz USA, Mercedes Benz Finance and Mercedes Benz XXXX by phone and email on several occasions over the last couple of months trying to recover my overpayment of {$16000.00} plus {$1800.00} early payoff fee which I was told would be waived but was subsequently charged to my account. See enclosed closing statements which clearly show the overpayments. 

I have tried to get a resolution to the problem over several months sending emails and contacting Mercedes Benz on numerous occasions. I opened a case complaint with XXXX XXXX XXXXXXXX see enclosed but almost 5 months since I handed back the car we have not received the overpayment refund that is owed to us. It seems, Mercedes Benz does not dispute the monies that are owed this is clear in the closing statement, but they seem to dispute which department of the company owes us the money.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts 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
Consumer complaint received 2024-04-02
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-18
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: Experian Information Solutions Inc. (CA)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-08-18
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: Experian Information Solutions Inc. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-13
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. (TX)

I had reached Equifax bureau, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2023-08-18
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. (FL)

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.