davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC. (AZ)

( 15 U.S.C 1635 ) DID NOT give full understanding DISCLOSURE, I FEEL THEY TOOK COMPLETE ADVANTAGE OF MY SITUATION KNOWING I HAD A SIMILAR EXPERIENCE AT ANOTHER DEALERSHIP A WEEK BEFORE COMING TO THEIR DEALERSHIP NO DISCLOSURE VIOLATIONS SUM OF ALL CHARGES INCLUDES 1 ) CAR VALUE ( DID NOT INCLUDE ) 3 ) INSURANCE : allowed me to drive off the lot with no insurance 4 ) WARRANTY ___________________________________________ 5 ) HAD TO PAY OUT OF POCKET FOR SERVICES ON THE CAR ( OIL CHANGE ECT. ) 6 ) {$500.00} DOWN IN THE CAR XXXX ) SIGNATURES AND DATES ON BOTH COPY AND ORIGINAL DON'T MATCH
Consumer complaint received 2022-12-20
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: SANTANDER HOLDINGS USA, INC. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A. States I have rights to privacy.

15 U.S.C. 1681 Section 604A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-30
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)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

XXXX shows a false credit issue via XXXX in XXXX, MS . I will attach supporting documents for this claim, as it has been dragging on, intentionally by XXXX/National Credit Systems/XXXX/XXXX. I request they delete Acct # XXXX from my records immediately. The debt is incorrect! I gave a timely 30-day to notice to vacate ( and left the place SPOTLESS ), however, my records should not be tarnished due for their lack of sufficient Administrative help, since they did n't acknowledge receipt in a timely manner. I have been working on this for almost 6-months, providing as much documentation as I can to get this resolved. This has caused tremendous stress and I may now have to seek legal council ( which will cost more money ) for assistance, and if so, I will request reimbursement for legal costs incurred. This is a scam on the part of all parties involved and the XXXX of it all has caused me to miss work. This is a very important matter, that I do not owe and they had the audacity to send a " 50 % Debt Reduction Offer '', as a resolution. I DO NOT OWE THIS and this incorrect item has caused me to be denied residency. This is a false claim and very unprofessional of all parties to have allowed this incorrect issue to linger. Please correct ASAP.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am writing for the FINAL time about this right here because the law does not even require me to be trying to arbitrate with ANY of these credit bureaus! EQUIFAX is violating the law and me as a consumer! 

Literally why are these companies still able to incorrectly report after millions of dollars in lawsuits and after years of me complaining to you as well. 
A reporting agency may NOT report transaction history including amounts and dates. 

And, according to the IRS publications charge offs are reported as INCOME and MY INCOME SHOULD NOT BE REPORTED ON MY CREDIT REPORT. 15 U.S. Code 1681a. 
EQUIFAX is reporting my personal private information and I want it deleted from my report immediately. 

These are charge offs and should not be on my credit report period. 

What I am asking for is LAWFUL. I dont even know why I need to go quoting the law when you know it and should be holding these institutions account when they are violating consumers. Especially for the consumers that have already been consistently reaching out!
Consumer complaint received 2022-12-20
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)

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.

15U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-20
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. (NY)

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, Account name : XXXX XXXX XXXX XXXX Account name : XXXX. # XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-30
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)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-24
Product: Credit reporting 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. (VA)

THIS IS THE ONLY CREDIT BUREAU I HAVING ISSUE WITH MY CREDIT REPORT. I JUST DID A LONG DEEP VIEW OF MY EQUIFAX CREDIT REPORT AND CERTAIN ACCOUNTS ARE SHOWING NO DATA AVAILABLE. WHEN I CALL IN TO DISCUSS THAT WITH A REP THEY DONT UNDERSTAND WHAT IM SAYING. YOU CANT DISPUTE THIS ONLINE IT WONT ALOUD YOU TO DO IT, I CALL IN TO THE CREDITOR ABOUT IT THEY SAID THEY SENT OVER MY ACCOUNT THAT IT WAS PAID FOR THAT MONTH. IM ALREADY DEALING WITH ISSUES WITH XXXX XXXX XXXX NO I SEE I HAVE ACOUNT WITH XXXX XXXX XXXX. ON THIS ACCOUNT FOR THE MONTH OF XX/XX/XXXX IT SHOW NO DATA AVAIABLE BUT I MADE A PAYMENT TO THEM THAT MONTH, SO THE BALANCE, SCHEDDULED PAYMENT, HIGH CREDIT, CREDIT LIMIT NEED TO BE UPDATED CORRECTLY NOT NO DATA AVAIABLE. NEXT ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX SAME IT SHOWS NO DATA, THE BALANCE FOR THE MONTH OF XXXX, XXXX, AND XXXX OF XXXX NEEDS TO BE UPDATE CORRECTLY, SAME WITH SCHEDULED PAYMENT, HIGH CREDIT CREDIT LIMIT FOR THOSE XXXX, XXXX, XXXX OF XXXX, THEN XXXX XXXX XXXX OF XXXX NEEDS TO BE UPDATED CORRECTLY SINCE I MADE PAYMENTS FOR THIS ACCOUNT FOR THOSE MONTH NOT NO DATA, XXXX XXXX XXXX MISSING XXXX OF XXXX IT SHOWS NO DATA, MISSING BALANCE, SCHEDULED PAYMENT HIGH CREDIT, CREDIT LIMIT FOR THOSE MONTHS NOT NO DATA AVABLE. XXXX XXXXXXXX XXXX XXXX MISSING BALANCE, XXXX MISSING SCHUDULED PAYMENT XXXX OF XXXX AND XXXX OF XXXX. MISSING HIGH CREDIT ANDCREDIT LIMIT FOR XXXX OF XXXX AND XXXX OF XXXX, SAME IT NEEDS TO BE UPDATED CORRECTLY NOT NO DATA XXXX XXXX XXXX MISSING BALANCE FOR XXXX AND XXXX OF XXXX HIGH CREDIT, CREDIT LIMIT FOR XXXX AND XXXX OF XXXX IT NEEDS TO BE UPDATED CORRECTLY XXXX XXXX XXXX MISSING BALANCE FOR XXXX OF XXXX ALSO HIGH CREDIT CREDIT LIMIT NEEDS TO BE UPDATED, XXXX XXXX XXXX  MISSING BALANCE FOR XXXX CREDIT AND CREDIT LIMIT ON THIS ACCOUNT AND IT NEEDS TO BE UPDATED NOT NO DATA
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, XXXX, transunion and XXXX XXXX. 
I had a loan for this Vehicle XXXX XXXX XXXX XXXX XXXX back in XXXX during XXXX ; Impound Company call me and let in me know that this Vehicle has a Lien and is going to give back to the Lien holder XXXX XXXX  ; the value of this vehicle it was Over XXXX XXXX XXXX  never contacted me about they have the Vehicle ; according with the Law ; i i have the right to receive a letter giving me the opportunity to paid off.Never happens they just put in my credit as a charge off for the full amount {$99000.00} ; remember the value of this car was over XXXX XXXX to be exact ... .where is the paperwork showing they sold at the auction by law ....! please help me ..... 



XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-05-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TN)

I have been unemployed on and off for the better part of two years. I am currently 7 months behind on my Private Student loans serviced through Navient. 

I responded to Navient on XX/XX/XXXX to begin communication with this account and determine what my options were to get the account current, and informed Navient that I currently was unable to make a payment. 

Today, XX/XX/XXXX, I was able to speak to two representatives -- XXXX and XXXX XXXX at XXXX Extension XXXX after receiving an unprofessional voicemail from XXXX on XX/XX/XXXX stating that I was " uncooperative and unwilling to communicate properly '' and as a result he aggressively stated that " they would be forwarding my account to the compliance team in the month of XXXX. '' I obviously want to avoid my account being deliquent, possibly being sued, and having my credit ruined because of this scenario. 

I was given two options on XX/XX/XXXX over the phone after being forwarded over to XXXX XXXX, both of which must be executed by XX/XX/XXXX. 

One of the options was to make a minimum payment of around {$500.00} or to file for forebearance, which would cost {$150.00} to process. I informed XXXX that I could not execute either option today or by XX/XX/XXXX but I was still interested in exploring options. 

Unfortunately, I was not given any other options, was told that I was irresponsible and needed to take accountability for this loan and have had 7 months to make a payment. As a result, XXXX XXXX stated she would mark my account as delinquent or that I would not be making a payment. The conversation spiraled out of control with XXXX and XXXX using their tactics to try and provoke anger or get a response from me over a recorded line. 

I am wanting to make a payment and to work on bringing this account current but the limited options they are providing do not allow me the time to do so. Additionally, it is incredibly unprofessional to have the representatives from Navient laugh at me, put me on unnecessary holds, and then tell me that I am irresponsible for not keeping my account up to date.
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (FL)

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

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2017-03-31
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: PENTAGON FEDERAL CREDIT UNION (PA)

I am a XXXX. I have paperwork to prove this. As a result of my fulltime status, i get XXXX and XXXX from the VA veterans affairs due to my military service. I get regular scheduled payments to my PenFed Credit Union Bank Account. This morning my XXXX did not show up. I called the bank to ask why and they said it was not entirely sent and they gave me a statement that lied to me. The Va claims they sent it out and the bank must have redirected it somewhere else. 
I need assistance in this fraudulent situation that is ruining my life
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-12-20
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. (TX)

I took out a loan with XXXX XXXX XX/XX/XXXX. In XX/XX/XXXX I was in a car accident with my car. The vehicle was towed to a local auto yard. My insurance had lapsed, so the repairs were not covered. I contacted XXXX XXXX and explained the situation and turned the vehicle over to them, as I had no way to repair. This should have been a repossession in XXXX. 

The last payment made on this vehicle was XX/XX/XXXX. My loan was paid as agreed until I had my accident. 

XXXX XXXX is continuing to report this account, more than three years after I released the car back as an open account that is 120 days late. This inaccurate reporting is intended to do maximum damage to my credit, and more than three years later is hindering me from being able to obtain an auto loan from a reputable lender because of my " open past due car loan ''. 

I have tried numerous times to have this corrected and have not been able to get any response. I understand that this account will report negatively, that is my responsibility, but the reporting is inaccurate and this reporting is doing damage to me and my family. I have been unable to secure reliable transportation for my children with this inaccurate credit reporting.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2023-06-02
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (MS)

Experian is reporting information that has not been validated, nor have I received any disclosures or information about the investigations that were supposedly taken before this inaccurate information was reported to my credit file. 

Pursuant to the FCRA ; the banking system is dependent upon fair and accurate credit reporting. Experian is being unfair by not reporting accurate information about me which would lead creditors to believe I am not trustworthy. 

Furthermore, per the FCRA, ( 15 usc 1681 ( b ) ) ; consumer reporting agencies are required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is FAIR AND EQUITABLE to the consumer, with regard to the confidentiality, accuracy, relevancy and proper utilization of such information in accordance with the requirements of this title. 

I have been violated, once again by this consumer reporting agency, yet I have not received any equitable considerations. Instead I have been forced to continuously take damages and injuries. My credit file has taken damages, which is inconveniencing as well as lowering my confidence to do commerce with banks who uses credit scoring systems to determine my creditworthiness. 

I have not consented to any of these inaccuracies being reported because they are not fair and equitable to me. 

I have not given my expressed consent to anyone to make reports about me that are false and misleading, and Experian has never given me the option to opt out of my information being reported to their agency. I am now requesting that this agency allow me to opt out of information being reported to their agency about me without my expressed written consent to do so.