davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
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. (GA)

Car loan company is XXXX XXXX XXXX XXXX in Georgia. 
My Credit score is hurting me tremendously. 
I can not apply nor get any Credit because of the latenes.. This car was {$21000.00} and I have paid for almost 3 years $ XXXX $ XXXX  monthly. I can not refinance my interest rate. 
I had contracted XXXX XXXX in XX/XX/XXXX. I was expecting a payment from my Government contract and it never came on time. I call the company asking if I can change my payment date from the XXXX to the XXXX, and I was told I can not change the payment date until I make a new payment. Meanwhile, I was once told I could request to change my payment date if I needed to, but it was never clearly stated by XXXX  that I must make a payment first. 
Also in XX/XX/XXXX I wanted to make a {$600.00} payment by credit card. No credit card payments is accepted. I asked to place the payment on the back end and I was told the company will place the payment on the back. I was told that I would have XXXX, XXXX and XXXX extension. It never worked out because of communication with all the Agents calling. We were not sharing the same information I was given. I was promised that the extension can not be emailed. I was told by XXXX both of us has to be on the phone at XXXX to fill out the paperwork. 
I encounter hardship with XXXX XXXX. Because I was infected twice. In XXXX I got a gentleman who emailed the Extension letter to me, after making a payment. I filled the paperwork out and I email the information back to the Gentleman. For some reason at home we have horrible internet problems and the signed Extension letter never reached the office. Extension was for XX/XX/XXXX and XX/XX/XXXX When I resent the letter it had Expired. 
I was not ok with all the wrong information I received from XXXX regarding with Extension reports as late. It is not worth asking for help because my Credit got beaten down.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX 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 2023-08-09
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. (OH)

I am a victim of identity theft and my personal information was breached. Please review my attached Identity Theft Report from the Federal Trade Commission that was created on XX/XX/2023.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2023-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

My Name is XXXX XXXX and I am writing this letter in response to a wrongful debt collection received as of XX/XX/XXXX. 
The Debt in question has the following information : - PATIENT ACCOUNT # - XXXX - LETTER DATE - XX/XX/XXXX - AMOUNT DEBT - {$950.00} - REFERENCE - XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - TRANSWORLD SYSTEMS INC I am filing this complain in regards to the charge issued by this XXXX for an XXXX  that was conducted without my previous consent. I strongly dispute this charge and would like to provide further information about the circumstances surrounding this matter. 

On XX/XX/XXXX, I visited the XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, for a XXXX XXXX. During this XXXX, I was explicitly informed by the staff about the XXXX XXXX and the procedure to move forward with the test which included ( as per the consent signed on that day ) : 1 - The XXXX would reach out to inform the cost of the exam. 

XXXX - Upon receiving that information, I would then need to approve the test by providing the XXXX a written approval and consent for the XXXX to be performed. 

The consent signed on that day had a clause that reads : A separate consent indicating an estimate of your potential cost share will be provided for your acknowledgement. Both consents must be signed to proceed with the testing. 

After a couple days, I received a call from the XXXX in which the representative affirmed that they were not sure how much the test would cost me saying it could be anywhere from {$50.00} to {$950.00}. Based on that extremely inaccurate information, I DID NOT give them the approval to proceed though the phone not to mention in written. 

Despite my clear instructions, the staff proceeded to conduct the XXXX XXXX  without my consent or authorization. As a result of this breach of trust, I not only feel violated but also deeply disrespected. My privacy and autonomy were not respected, and the rules established on the clause were not followed accordingly. 

I have called the XXXX multiple times, spoken with a representative named XXXX. I've already sent a letter to them requesting the bill to be cancelled, and they ended up sending the amount to the above mentioned debt collector. 

I hope that this matter can be resolved in a timely and satisfactory manner. 

I appreciate your attention to this issue and look forward to hearing back from you as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-04-13
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)

My account balance is currently reporting to all 3 bureaus as over the credit limit. It is not. In fact I'm only using {$7.00} of the {$300.00} credit limit.
Consumer complaint received 2024-04-20
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: LEXISNEXIS (TX)

Please see my attached most recent and up to date report. All of the accounts on it reports to all bueros so the information should be in sync/all EXACTLY the same. I'm not sure what kind of back office mess up is going on but the errors on your reports are so completely off I haven't gotten a steady denial reason or approval for ANYTHING business or personal in over 6 months. Update ALL the information to be the same, all # s and dates are valid hints why they show on this report and my paid report. Anything off is incorrect as of XX/XX/year>. I have filed many complaints & disputes mail & otherwise. You are hindering my livleyhood and I can't get a home because you or your 3rd party affiliates are not reporting as you should be. DO NOT contact the companies again to update the accounts to the date of recieveing this notice or there will once again be discrepancy since they already reported on the attached report within 30 days once again making everything off. I'm not sure how you guys got so far behind and wrong but all Inquiries where and should be removed as well due to a breach theft reports were attached in precious complaints. Any public records or collections should be gone if they show via the companies validation & awareness.XXXX is the only one that has it all 100 % correct as of this date BUT even their XXXX service is completely off. Next will be a notice of suit & Remedy. This will be my final attempt and warning. Certified mail with tracking was sent as well as on-site updates.
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-09
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-21
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. (VA)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (IL)

I am no longer liable for this debt with this accounts because this is already under BANKRUPTCY. I attached the letter from the bankruptcy court and XXXX XXXX  for you to remove it asap
Consumer complaint received 2023-06-15
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. (WA)

There is a bankruptcy eventhougt the name, lastname and birthday match the social security and the state I have live since XXXX until today XX/XX/XXXX does not match. 
I found out when I tried to get a loan for a home and they asked me about it, it sorprise me when they ask how long I have lived in XXXX XXXX, I have never live there, I have always received calls about student loans and other debts but I thoug it was fraudulent calls since by that time I didn't own a single credit card, my first Credit card was issued on XXXX before that I used to pay everything cash.
Consumer complaint received 2023-08-09
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. (IN)

I checked my report and also have a fraudulent freeze due to fraudulent activity before and identify theft and its a lot of unauthorized inquiries on my account I reached out to the creditor and still no progress
Consumer complaint received 2023-06-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (SC)

Despite my credit card account being closed as of XX/XX/2023, I have noticed that XXXX and Equifax continue to report this account as open on my credit report. This inaccurate reporting is misleading and can potentially harm my creditworthiness and financial standing. I have made efforts to address this issue with XXXX and Equifax and self-lending inc that's the credit card issuer, but the incorrect reporting persists. 

Requested Action : I kindly request the assistance of the Consumer Financial Protection Bureau in resolving this matter. I seek the following actions to be taken : 1. Conduct an investigation into the inaccurate reporting of my closed credit card account by XXXX and Equifax 2. Facilitate communication between myself, XXXX and Equifax, and XXXX XXXX r to ensure that the account status is updated promptly and accurately. 
XXXX. Enforce any applicable consumer protection laws or regulations that require accurate reporting of credit information. 
4. Provide guidance and recommendations on how to rectify this issue and prevent similar inaccuracies from occurring in the future. 

I have attached copies of relevant documentation.. 

Please feel free to contact me at XXXX or XXXX if you require any additional information or documentation to support this complaint. I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting practices. 

Thank you for your assistance and dedication to consumer protection.
Consumer complaint received 2023-08-09
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance : {$7200.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-09
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. (CA)

Please remove the fraudulent hard inquiries on my credit report from XXXX - XXXX XXXX from XX/XX/2022 and XX/XX/2022. Attached is the letter from XXXX requesting/approving the removal of the unauthorized hard inquiries.
Consumer complaint received 2023-08-09
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. (FL)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX  ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$660.00}.
Consumer complaint received 2023-08-09
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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
Consumer complaint received 2023-07-03
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-09
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a 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 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I'm contacting you in regards to Account # XXXX with the company Credit Acceptance. I submitted a complaint on XX/XX/XXXX with the CFPB about this account, as a result Credit Acceptance agreed to close the account. According to the response on XX/XX/XXXX it was stated : Nevertheless, at this time, we have made a business decision to close your account. No further payments are owed. We will also submit a request to the three major credit bureaus to which we furnish information to update our reporting to reflect the account closure. Please allow up to sixty ( 60 ) days for this update to be reflected in your credit report. Although we will not delete the tradeline associated with your account, once we report your account as closed, we will no longer furnish information to the credit bureaus. Currently my XXXX account reports that the account is active, and have been reporting as late since the arrangement. I opened a dispute with XXXX and have yet to get a response. The inconvenience is causing a negative effect to my score in the process of me rebuilding my credit. I spoke to the credit monitoring department at credit acceptance yesterday and the the representative mentioned that it is a possibility not a promise that the account may be removed as of XXXX of XXXX. I'm asking that this account be removed from my complete credit profile via : XXXX, XXXX, and XXXX due to the violation and reporting false information. Thank you