davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
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. (TN)

I want to start off by saying that I'm not admitting to this debt. I would like to do business with your company if you agree to the following terms. ( XXXX ). Remove the debt above from all three credit bureaus within XXXXdays of payment. ( XXXX ). Send me a letter stating that the account above will be deleted. ( XXXX ). Stop all debt collection activities. If you agree to the above terms, I will pay your company the full balance of this debt as soon as I receive this signed copy back from an authorized representative with the power to make this deal. Failure to delete : I just want to ascertain that you honor your side of the agreement. If the item is not deleted as specified in this agreement, I will be entitled to {$500.00} compensation for breach of contract
Consumer complaint received 2022-09-21
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. (TX)

Hello., This is my 3rd attempt reaching out to the CFPB regarding the reporting of XXXX Account Number XXXX. XXXX deleted the account after conducting a proper investigation and the account was deemed to be non-verifiable/reporting inaccurate information. However, XXXX and Experian keeps stating that the account has been verified which Im confused by if all the credit bureaus are conducting the same investigation and reaching out to the same creditor. 

Ive took it a step further and decided to reach out to XXXX myself via certified mail to verify/validate the reporting of the account ( tracking information attached ). 

The letter was delivered on XX/XX/XXXX and I received a letter from XXXX stating that they would respond within 10 business from the date they received the letter ( XX/XX/XXXX ). Its been well over 10 business days and I have not heard anything back from XXXX. According to the FCRA this is a violation and Im requesting to have the account removed from my Experian and XXXX report immediately!! 

Also., It is my understanding that Under the FCRA 15 U.S.C .? S 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. The account is reporting inaccurate information.
Consumer complaint received 2023-09-05
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: NEW YORK COMMUNITY BANCORP INC (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXXXXXX XXXX XXXX XXXX and FLAGSTAR BANK XXXX XXXX
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 : XXXX XXXX XXXXXXXX {$360.00} has violated my rights. 

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 written instructions.

15 U.S.C 1681e. ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 ( XXXX ) 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. 


Transunion has constantly violated my rights Account name : XXXX XXXX XXXX has been removed twice. However Transunion constantly puts this fraudulent account back on my report with proof of documentations.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

I acquired a loan in XX/XX/2016 from XXXX XXXX. The loan amount was {$10000.00} my payment per month was {$490.00} The during the first 8 months of the loan my car malfunctioned so I was not able to use it XXXX XXXX warrantee covered the cost and deferred one of my payments towards the back of loan.. they did this because I had been paying my loan time and I kept in contact with them. In addition I had an option to defer. Months 12 into the loan and payments the company was brought out by XXXX XXXX they unexpectedly readjusted the terms set by XXXX XXXX. XXXX XXXX forced me to.pay the deferred payments plus penalties in addition XXXX XXXX removed XXXX XXXX from all three credit bureaus I called XXXX XXXX to take the car But as of today XX/XX/XXXX the car still appears to be mine here in illinois accessed
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-19
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. (PA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$19000.00XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$12000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$390.00} ; ( Original Creditor XXXX XXXX XXXX ) XXXXBalance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (KS)

Hello, during the months of XXXX XXXX XXXX I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX Before deploying I asked for SCRA benefits at all various credit card companies I had. Comenity at the time did not have an auto pay option at all in their portals for the XXXX XXXX or XXXX XXXX store credit cards. I told Comenity that during my XXXX I could go for awhile without access to Wifi or a computer meaning there was a chance I could miss a payment leading to a late payment. I had 2 late payments and those have negatively affected my credit score. I have tried calling Comenity to explain them about the situation again alongside filing a dispute with one of the 3 credit companies only for no fix to my credit being issued. I do not want something outside of my control to negatively hamper my credit score and remain on for 7 years.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I started the car loan in XXXX, the car was repo in XXXX after making payments, XXXX realized it was mistake and released the car immediately with no additional fees, the next month I saw a fee for XXXX dollars when I questioned it they told me they have the right to charge since the car was picked up, I was not late and made payments see attached. 
In XXXX, the car was list as destroyed by natural disaster, at the time the car was total out but XXXX could not confirm the information requested by the insurance company, so the claim was never granted. XXXX closed the matter even though I was still making payments. They conveniently came back in XXXX and open the account. In XX/XX/XXXX, XXXX came an repo the car, I was making payments. 
XXXX is a fraud, they do not honor their payment extensions, they do not post payments correctly and they are inaccurately reporting this account to all three credit bureaus. They have this account listed as repo in XX/XX/XXXX, and that they have no information on me paying in XXXX. They are hurting my credit and me obtaining a new vehicle because of this inaccurate information. They say I still owe XXXX after paying from XXXX XXXX, my loan was up in XXXX. So how did my credit report get updated to reflect a repo in XX/XX/XXXX.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KS)

Experian is reporting several different variations of my name an a name that is not mine. This opens me up to identity theft and fraud. They only should be reporting my legal name. which has be provided to them be me several times in the form of picture ID such as a copy of my driver license. 

They are legally obligated to report accurate information.
Consumer complaint received 2023-08-10
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-22
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. (GA)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are.

I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15U.S.C.Sec.1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts XXXX XXXX XXXX : Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit Report XXXX XXXX XXXX XXXX : Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXXXXXX XXXX  XXXX Account # XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX : Account # XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXxx XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX I also read where I can get the updated report after you investigate this from the Free Lawyer guy. 
Could you please send it to me Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Consumer complaint received 2024-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2023-04-27
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: Berlin-Wheeler, Inc. (Kansas) (VA)

Received an email saying a new account is on my credit report. I did not open any new account. Lender Name XXXX - XXXX XXXX - XXXX XXXX  XXXX XXXX XXXXXXXX, KS XXXX Phone Number XXXX
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

XXXX XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 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 XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 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 XXXX XXXX XXXX  Account number XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 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 XXXX XXXX XXXX  Account number XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 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 XXXX XXXX XXXX  Account number XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 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 XXXX XXXX XXXX  Account number XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 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 XXXX XXXX XXXXXXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 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 XXXX XXXX XXXXXXXX Account number XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 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 an account without my written instructions. These accounts were open fraudulently without my written instructions.
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many ACCOUNTS which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ACCOUNTS which are found to be opened due to identity theft. The dispute ACCOUNTS do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 accounts below : XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXX Balance : {$3200.00}
Consumer complaint received 2020-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Receivable Management Services LLC (NJ)

This debt was written off in bankruptcy and is more then 15 year ago. XXXX XXXX was the original owner of the debt and it's now with a Collection company. I spoke with XXXX XXXX & they no longer have it on their collection record. I've been getting threatening collection calls from this company. I gave them my bankruptcy information and they refuse to take it off my credit report.