davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
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: Credence Resource Management, LLC (FL)

I have tried several times to get the fraudulent accounts opened in my name without my consent off my report. XXXX and XXXX are knowingly reporting inaccurate fraudulent information to my report which violated the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX  {$880.00} reported XX/XX/XXXX stating it was opened XX/XX/XXXX and Credence XXXX XXXX XXXX XXXX XXXX XXXX for {$370.00} reported XX/XX/XXXX stating it was opened XX/XX/XXXX for the same duplicate account and I have had XXXX XXXX for the last 2 decades and why are they allowed to lie and report inaccurate information. So please ask where this account was set up and what proof of identity was given. I have filed and FTC identity report and I have reason to believe this was identity theft. 

I think that is the case with the XXXX XXXX XXXX XXXX XXXX  for {$270.00}.
Consumer complaint received 2022-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2023-03-14
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. (GA)

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 2022-10-29
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States that 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
Consumer complaint received 2023-04-10
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: CAPITAL ONE FINANCIAL CORPORATION (RI)

I have sent a letter out the Capital One on XX/XX/ asking them to provide me with a copy of the 1099-C that was issued by their company when they charged an alleged debt off with the IRS which is required by law for all debts over {$600.00}. I have yet to received a response. Also my rights have been violated according to the FCRA 15 USC 1681B ( a ) ( 2 ) This company did not receive any written instruction by me to publish such allegations onto my credit report.
Consumer complaint received 2023-03-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (GA)

In accordance with the FCRA, this creditor Chase has violated my rights, under USC15, 1681 section 602 states I have the right to Privacy.

USC 15 1681, SECTION 604 STATES A CREDITOR CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN PERMISSION USC15,1666B STATES A CREDITOR CAN NOT TREAT A PAYMENT ON A OPEN CREDIT PLAN AS A LATE PAYMENT, UNDER ANY CIRCUMSTANCES
Consumer complaint received 2018-04-11
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. (IL)

Experian has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX unverifiable XXXX XXXX XXXX unverifiable XXXX XXXX XXXX unverifiable XXXX  XXXX unverifiable INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXXI XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized How is Experian able to verify these when XXXX and XXXX can not? I am trying to establish a paper trail for a lawsuit if needed ...
Consumer complaint received 2020-12-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I filed a dispute about some inaccurate things on my credit report. It's been over 30 days and I havent received any investigation results.
Consumer complaint received 2023-03-14
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. (FL)

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.
Consumer complaint received 2022-11-23
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 according with the Fair Credit Reporting act XXXX Account name- 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.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WI)

On XX/XX/XXXX the charges started on my card that were fraudulent. I was contacted on XX/XX/XXXX that there was activity that was suspicious. A full XXXX days that somebody else was using my card for XXXX XXXX, XXXX XXXX memberships, and lots of XXXX dinners, where nobody ever has to sign or see anybody. I was rescinded {$1300.00} and that was great. Unfortunately Citibank now is telling me that I owe late charges and interest fees. I call them weekly for updates and never get anywhere. I am passed between Security Operations and Customer Service. They also re-charged charges that are XXXX ( which I don't use ) and a virtual fitness club. This is an absolute nightmare that just will not go away. The late fees and charges are {$130.00}. They have reported to the credit bureau a complaint that I have not paid my bill. I have had the card since XX/XX/XXXX. I have never missed a payment and and have always paid my bill in full. They have ruined my credit because of this. 
I have also filed a complaint with the XXXX Police Case number XXXX. 
I have no way of uploading all of the statements.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NY)

My name is XXXX XXXX XXXX XXXX XXXX. I am writing because I was just made aware that my account was sent to the various credit agencies as a delinquent account. I would like to dispute this ERROR. I would like to first state that I was not even aware my account was sold to Barclays and thought my XXXX  card was still with XXXX  and kept trying to login to pay MY {$6.00} BALANCE but could not because of the switch. I even tried to reset my password thinking maybe I had the wrong password and did not get a reset password email. I am a working mother of XXXX children and the easiest way for me to pay my bills is online. I had my XXXX  card set up for automatic payments back when I created my online account. When I saw that the {$6.00} was not being deducted from my bank account I decided to call customer support to make a payment over the phone. When I called I was made aware that my account was past due and that it was sent to the various credit agencies as a delinquent account. I have never been late or delinquent on my XXXX  account and have impeccable credit. I have worked very hard to get my credit where it is only to be ruined by a {$6.00} charge. I was never contacted that I was delinquent nor did I receive any courtesy calls about this. I ask that this be corrected immediately and that it is taken off my credit as soon as possible as it is unfair! I was told by the customer service representative that I should write a letter to some po box and just wait for a review whenever they get to it.Unfortunately that does not work for me. I will not be held hostage until they get to it and drag their feet in correcting this or for them not to correct it. After some research I have found many other customers have had the same issues and so I decided to contact the CFPB so that others do not become victims of these unfair criminal practices. 

Thank you, XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XXXX Capital One Auto reported a Charge off/Collections and Late status onto my consumer report with a balance of {$9000.00} as well. I requested for the company to provide me with the original contract and I have yet to receive it.
Consumer complaint received 2023-02-02
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. (GA)

The purpose of this letter is to address an issue that I am currently experiencing in regard to late payment reporting. I attempted to resolve this matter with customer service to no avail. On XX/XX/XXXX, I received notification from my credit monitoring services that I had a late payment reported by XXXX XXXX. 

Late Reporting Issue On or after XX/XX/XXXX, I requested a XXXX payment deferment granted by a customer service rep at XXXX XXXX XXXX Upon receiving my statement, I noticed that the agreed payment deferral had not been applied to the account, so I made a payment immediately, and it was made before the statement closing date. 

Thereafter, I reached out to XXXX XXXX regarding the deferment, and I was told that I had received the wrong information and that the payment deferment had never been applied. Since then, I have paid my car note every month before the XXXX late period. I made a payment on XX/XX/XXXX, in the amount of {$1600.00} by auto debit from XXXX XXXX. 

My XXXX XXXX statement due date is the XXXX of each month, and this payment was made before the due date. I have attached proof that I was not XXXX days late, and I am requesting an immediate update to all three bureaus.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have requested the validity of a Chapter XXXX Bankruptcy on a couple occasions as the date of discharge is incorrect as well as the filing information. I have requested in both writing and via email for this to either be updated or removed. I have tried to no avail, therefore, I am reaching out to you guys in hope you can assist in getting this resolved once and for all. 

Thanks in advance for your help!
Consumer complaint received 2023-02-02
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. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2022-11-29
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. (TX)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. 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 2023-05-13
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-14
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. (MA)

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 2017-05-17
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. (MD)

I previously obtained a copy of my credit report and it showed that  XXXX  was a closed account with no balance as the car was sold there was a remaining balance of {$690.00} however  XXXX  sent the account to collection over a year ago. After my husband I divorced this account was keeping him from purchasing a home so he settled the account with the debt collection company and the balance reflected {$0.00}. However after a recent check of my credit the report showed a balance of {$1300.00} I immediately called the credit bureau informed them of the situation and they told me to contact  XXXX . I contacted  XXXX  and because it was sold to a debt collector I was told they no longer handle it. I contacted the bureaus again still no avail they just sent me an updated copy saying the account was verified and updated. I asked them to provide me with the documenation they used to validate this account and they refused, they then sent me another credit report that says my request was not specific enough.
Consumer complaint received 2023-05-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (WA)

XX/XX/23 Loan Maturity {$76.00} balance due XX/XX/23 Auto payment- {$360.00} Over payment- {$280.00} XX/XX/23 Auto payment- {$360.00} XX/XX/23 I attempted to stop this payment with my bank payment was already dispersed. 
Over payment - {$360.00} XX/XX/23 Refund {$280.00} for XX/XX/23 auto payment Letter confirming loan is paid in full accompanied by Vehicle Title. 
XX/XX/23 Letter from Toyota stating 'contract/loan has matured and TFS has received all contracted monthly installments ; however there is a balance of {$76.00} due on the account. Please forward {$76.00} to TFS. ' XX/XX/23 Stop payment- {$280.00} for XX/XX/23 auto payment refund Stop payment fee - {$15.00} bank fee Off shore customer service would not transfer my call to a supervisor, resolution specialist or bounce my call to the United States. 
Did not receive a call back as promised from Resolution Department XX/XX/23 Faxed bank statements to Toyota XX/XX/23 Filed a complaint through XXXX  ID XXXX. 
XX/XX/23 Toyota complaint XXXX closed, not resolved. 

Toyota Collections Department has called everyday wanting to collect {$76.00} past due. 
Credit report received late payment notice. 
XX/XX/23 Filed a Dispute through XXXX to Toyota Financial Services XX/XX/23 Account balance on TFS website {$360.00} outstanding balance.
Consumer complaint received 2023-08-07
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. (TN)

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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # 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 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 2023-03-14
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 have made several attempts to get this known fraudulent account off my credit report and the company knowingly and fraudulently is trying to collect a debt that is not mine by repeatedly having its contracted third parties to report this debt inspite of the filed FTC identity theft report and the fact that I was not living at this account in XXXX our divorce was filed in XXXX and I was gone 6 months prior. I have attached proof of the third fraud packet filled out for XXXX. The following companies have this listed with very different amounts and dates which means there is inaccuracies. 

XXXX Account # XXXX for {$610.00} on my report that they just reported again XX/XX/XXXX and responded to you XX/XX/XXXX that the amount was {$570.00}.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (CA)

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.