davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
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. (NC)

XXXX XXXX  {$43000.00}, XXXX XXXX XXXX XXXX {$20000.00}, XXXX XXXX XXXX XXXX {$5000.00}. 

These accounts are involved in litigation. 

Under the doctrine by ESTOPPEL BY SILENCE, ENGELHARDT V GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF of the alleged debt, nor therefore any such debt, in fact exist.
Consumer complaint received 2022-11-16
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. (KY)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$5100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Hello, I am writing to dispute the negative information on my credit report regarding my XXXX XXXX XXXX account the account number is XXXX respectively. 

I believe that the information on my credit report is incorrect and unfair. I have been a responsible borrower and have always made my payments on time. However, due to unforeseen circumstances, I was unable to make a timely payment on the XXXX XXXX XXXX account. I had a major injury in the left arm during XXXX and had to get a XXXX done. I had to physical therapy for the next 3 months and could not work. I paid back my due bill on XXXX as soon as I was able to get back to work. I was late there for 120 days and then paid them back. But XXXX XXXX XXXXXXXX closed my card and reported the late payments. 
I understand that late payments can have a negative impact on my credit score, but I am requesting that you remove the item from my credit report as it is not a true reflection of my creditworthiness. I have since paid off these debts and have taken measures to ensure that I do not miss any payments in the future. 

I would like to bring to your attention the Fair Credit Reporting Act ( FCRA ) which requires that all information reported by credit bureaus be accurate, fair, and substantiated. The FCRA also mandates that consumers have the right to dispute any inaccurate information on their credit reports. 

I would greatly appreciate it if you could investigate the matter and remove these items from my credit report. I am willing to provide any supporting documentation to help resolve this matter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

in reference to claim / Complaint Number XXXX and the response Equifax gave to your company it is the opposite what still showing in my credit history with Equifax, the have told me the investigation is completed and the credit history has been updated, however in the documents attached still showing that the first delinquency was XX/XX/2022. 
The still have not fix my credit score number, still at XXXX after due to the error it when down over XXXX points.
Consumer complaint received 2019-10-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (TX)

Contacted Convergys the Outsourced debt collections arm for XXXX. Ive contacted them and they were not even able to tell me what the exorbitant amounts of {$1400.00} entail. I disconnected an acct. in 2015 and turned in all Equipment to a XXXX store and disconnected due to a loss of a job and moving to another state. XXXX still has monthly charges that accrued and other fees that dont add up. They cant even provide me w a notice of collection of a debt for me to dispute it based in the fair debt act. 
Account no. XXXX
Consumer complaint received 2023-03-04
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on the accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXX Balance Owed : {$350000.00}
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely
Consumer complaint received 2020-06-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (CA)

I have had my auto loan with GM Financial for 3 years - XXXX  XXXX XXXX ( acct # XXXX ). At the time of purchase from the dealer they set up the loan through GM Financial with auto pay. Every month they would pull the payment directly from my bank account, no problem, until recently when I received a past due collections notice. Apparently for no reason the auto pay was removed from my account with no prior notification to me. I have spent the last 2 days trying to get assistance from GM to resolve this issue. I spoke with XXXX, XXXX, XXXX, XXXX and eventually XXXX, who was the only one who took the time to assist me. 

I have been in the XXXX  XXXX  for over 30+ years in XXXX and XXXX XXXX XXXX. I have never received such horrible service. When you set up a loan on auto payment it should be for the life of the loan or when the customer submits a request to discontinue. It should not be arbitrarily removed by the financial institution. 

I have worked very hard to repair my credit after losing my job during the financial crisis. I will not pay any late fees, nor do I want this past due payment reported to the credit bureaus. 

Your assistance with this complaint is needed and appreciated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX
Consumer complaint received 2023-08-02
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)

There are inquiries that was not authorized by me, I called the company and they are saying they can not do anything without me filing a report to remove these inquiries that I did not authorize. According to FCRA items that are not verified and authorized by me must be removed. TransUnion website states that I should call to say these were not authorized and they will remove it but now they are saying something different.
Consumer complaint received 2022-11-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

i was not wear of this debit told the collector i dispute this charge, he told me to call the police and file a report, i told him that its not up to me to prove this debit is mine, he told me it was and that even thou i dispute this debit they will still call and me on the debit, he refused to validate the debit and once again repeat his story that this is on me and i have to prove to him that this debit is wrong and not i ask for a cease and desist and kind of laughed it off, this a 3rd part for XXXX
Consumer complaint received 2020-06-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

XXXX ; The people at your agency closed the complaint, claim that Bank of America responded but you never bothered to send me their response. Calling you " XXXX  '' would be insulting to XXXX, because they are smarter than you are. What was the response? Bank of America 's gross negligence was largely responsible for the loss of {$120000.00}.
Consumer complaint received 2020-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (TX)

I closed our refinance with XXXX on XX/XX/2020. I checked on the status of the escrow balance with Statebridge LLC on XX/XX/2020 and noticed that it still reflected a credit balance. I called them at XXXX Central time and was informed that the loan was not paid off until XX/XX/2020 and they will send the refund within 30 days. Today, on XX/XX/2020, I again checked on the status and it still reflects a credit balance, but the account is inactive. Escrow : {$430.00} and Unpaid balance of ( {$200.00} ).
Consumer complaint received 2024-03-04
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. (NJ)

Final Demand for Compliance with Opt-Out Request Pursuant to 15 UCC 6802 Dear Sir/Madam, I am writing to you regarding a matter of utmost importance concerning my consumer rights and obligations under the Uniform Commercial Code ( UCC ). As per my Opt-Out Notice pursuant to 15 UCC 6802, I have formally requested the removal of reported information from XXXX XXXX XXXX from your records . 

Despite multiple requests made by me, XXXX XXXX, Experian Credit Bureau has failed to comply with my lawful request to remove the reported information from XXXX XXXX XXXX XXXX It is evident that your refusal to adhere to my request constitutes a clear violation of both my consumer rights and the UCC law. 

I hereby issue this final demand for Experian Credit Bureau to immediately cease and desist from any further delay or refusal to remove the reported information from XXXX XXXX XXXX in accordance with my Opt-Out Notice. Failure to comply with this final demand will leave me with no choice but to take legal action against Experian Credit Bureau for blatant violation of my consumer rights and the UCC law. 

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate steps to rectify the situation. Please acknowledge receipt of this final demand and confirm your compliance with my Opt-Out Notice within 10 Days. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-09-06
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. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

I don't know when this account was supposedly opened, I can't get any information from.this company except that when I try to dispute it they say it is not disputable. They keep reopening the account also. This started in XXXX right after XXXX XXXX XXXX XXXX someone stole his and my information and it was years to correct it, in fact it's not all fixed. I received a text the other day from this company about a new account supposedly opened amd closed that they are now going to harass me over. I pay my bills amd have no outstanding credit cards or any credit cards actually. I have a student loan that is in good standing with no past due or missed payments. Yet because of these accounts I didn't open my credit is XXXX and XXXX. I am driving a XXXX vehicle and can't finance a newer one. I cant get a loan for badly needed dental work or home repairs. I am a single mother with XXXXXXXX XXXX XXXX XXXX. Not that it's relevant but they were XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have struggled to provide for them all their lives and this is a big issue with that. I would like to enjoy some credit at thai point in my life. I work hard but paying cash is hard sometimes. I don't want handouts I just want to be able to get a decent credit score if I earned it.
Consumer complaint received 2024-03-04
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. (MI)

Dear XXXX XXXX I looked over my credit report and I see accounts that dont belong to me and I believe them to fraudulent XXXX XXXX  account number XXXX XXXX XXXX XXXX  XXXX I also notice these names our not mine XXXX XXXX XXXX and XXXX XXXX My name is XXXX XXXX XXXX these addresses are not mine either XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I have one address and these are not it. Also these numbers are not mine either XXXX, XXXX these are not my numbers I have one number
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (NY)

I have been a victim of Identity Theft. I have been dealing with this for over a year. I use XXXX XXXX which monitors my credit which alerts me each time. 
My SSN was used to open a Credit Card for XXXX XXXX. 
When I received the card in the mail I immediately contacted the number on the back of the card to report this fraudulaent application and card. The account was closed immediately.
Consumer complaint received 2023-05-07
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: NAVY FEDERAL CREDIT UNION (PA)

XXXX XXXX XXXX are reporting fraudulent accounts that you did not open.. these account dont belong to you.. you are victim of severe id theft. I had reported this to the company and the credit bureaus i was told that i was responsible for the account I have not given anyone permission to use my Social Security number to apply for credit cards
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

BUSINESS ACCOUNT BEING REPORTED AS PERSONAL ACCOUNT XX/XX/XXXX {$6800.00} out of {$8000.00} Opened XX/XX/2020 ( XXXX XX/XX/XXXX )
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-09-22
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

15 U.S. Code 1681i - Procedure in case of disputed accuracy.

15 U.S.C. 16815-2 ( 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. 

Did not make these inquirys Hard inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

Subject : Formal Request for Rectification of Credit Report Errors Dear Experian, I am writing to address discrepancies present in my credit report, which have recently resulted in denial of credit. It has come to my attention that inaccurate information has been included in the report, necessitating immediate rectification. Specifically, I request the removal of the following accounts : Account : XXXX  Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. 

Account : XXXX XXXX XXXX XXXX  Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. 

I want to emphasize that I did not authorize the inclusion of these transactions in my consumer report. Therefore, I formally request the blocking and expungement of these accounts from my record. This request is made in full compliance with relevant laws and is not based on any misrepresentation of facts. 

Your organization 's actions may be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits the inclusion of information solely based on transactions or experiences between the consumer and the reporting entity in consumer reports. 

I urge you to promptly update my utilization to 5 % or below within XXXX calendar days or remove all utilization from the mentioned accounts. Additionally, I demand access to all documents supporting the reporting of the aforementioned accounts, as per the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). 

Failure to comply with these requests within 30 days will result in legal action, including seeking {$1000.00} per violation, for defamation of character, civil liability, and violations of the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX