davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC. (MO)

Santander Consumer USA has continued to report a closed auto account on both my XXXX and XXXX credit reports. The account was charged off as of XX/XX/XXXX and report a charged off account until XXXX of XXXX. This is misinformation and re-aged my account which has negatively impacted my credit score. Santander Consumer USA not only has continued to reage my account they are not reporting the same original charge off account across all three of my credit reports. Santander Consumer USA is reporting a charge off as of XX/XX/XXXX and not monthly on my XXXX report. I have filed mulptole disputes regarding this matter however no action has been taken. This is illegal act and has detrimental to my credit score. Both the original creditor or a debt collector can not re-age a negative account. No matter how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change.

Also, my payment history between my credit reports do not match. I have brought to this to the credit bureaus attention multiple times and no action has been taken.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.
Consumer complaint received 2022-12-29
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/2021 Capital One Auto Finance has accessed my credit report on 3 separate occasion from XXXX, 2 separate occasion from XXXX and 2 times from XXXX. I have never contacted or seek to get any kind of financial product from the company. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit. The bank should have attempted to contact me and not pull my credit 7 times in less than 24 hours.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

In XX/XX/2017 we moved out of XXXX XXXX XXXX XXXX from XXXX CA. We disputed the final settlement amount in XXXX XXXX small claims court. We paid the disputed amount in full directly to the XXXX XXXX XXXX homes after court ruling. Please see the supporting documents which shows no dues. However, Fair Collections & Outsourcing ( FCO ) reported a collection account to credit agencies and later marked it as paid in full. We never interacted with FCO or paid anything to them. The account is closed by the apartment company satisfactorily and we still live in another apartment with the same company. 
I tried to reach out to FCO to resolve this but they were very unprofessional and absolutely denied to look in to this.
Consumer complaint received 2021-01-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Green & Sons Agency, Inc. (NC)

A judgement was issued against me without my knowledge. According to the attorney I was served documents at an address I havent lived at in years in the state of Utah. My address could have been found had the attorney taken the time to do a quick search. I am Registered to Vote in the state of North Carolina I am pretty sure that this is public information. It is clear that this attorney is attempting to ignore the laws of North Carolina. I was unaware of any legal action against me until I was notified by my employer of a wage garnishment. I have resided in the state of North Carolina for years where wage garnishment is not permitted. My employer is also headquartered in the state of North Carolina. I was told that they are still able to process the wage garnishment due to the fact that XXXX  XXXX  ( my employer ) has a registered agent in Utah ( CT Corporation ) my employer is not registered to do business in the state of Utah verified by ( XXXX XXXX XXXX ) Utahs government based business search. The attorney was notified by the illegal wage garnishment and refused to submit a wage garnishment release to my employer.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have tried to pull both my credit report and credit file and was given the message from XXXX, Transunion and XXXX that using my social security number, that I would not be able to retrieve my consumer report and file.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I have some unverified accounts showing on my credit report that do not belong to me. I have request a new copy of my credit report under FCRA. The following account I have not clue who these companies are and never done business with them request that all documentation be forwarded to me asap from the following : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , OH XXXX DOB XXXX SS XXXX
Consumer complaint received 2023-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2020-02-12
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)

XX/XX/XXXX I received an email about a rewards program that XXXX ( this is the company that I have lease with ) mentioned that I could earn rewards based on my on time monthly payments. One option is that if I got XXXX points I could get my lease repriced. ( The company had given me points for my previous on-time payments that were made prior to the rewards program so I got my points a year later ) XX/XX/XXXX is when I hit my XXXX points. I called XXXX that same day requesting that I use my rewards to get my lease repriced. 
On XX/XX/XXXX I got an email from XXXX stating to sign my new repriced lease. The repriced lease resulted into me having a new account number and a new payment date of XXXX of every month. My reprice lease amount at the time of switching from the old account to the new account was {$7700.00} with a payment amount of {$280.00}. 
When XX/XX/XXXX came I notice that my auto debit payment hadn't been taken out of my account so I called XXXX to make a payment which I was instructed to make a payment on my new account since the old account is closed.I also mentioned to the rep that I was getting calls about the payment being late on the old account and if I should a payment on the old account and I was told no that any calls or emails that I receive I should ignore because it is computer generated.I asked will it effect my credit and I was also told no because I am making a payment on the new account and that she will make notes on old account that I am now making payments on my new account. 
On XX/XX/XXXX I made my second payment on my new lease account over the phone with XXXX. 
On XX/XX/XXXX I made my third payment on my new lease account over the phone with XXXX. 
Another issue is when XXXX closed my old account they reported that I missed XXXX and XXXX payment but made notes that my credit report that my last payment was XX/XX/XXXX. 
But on XX/XX/XXXX XXXX also reported on my credit report that my account is closed with " FULL TERMINATION : OBLIGATION SATISFIED '' Now on my new account XXXX is reporting on my credit report that I am 30-59 days late but also has that I am in good standing with my account. ( How confusing is that? ) And also, XX/XX/XXXX XXXX updated my account from being 33 % late to 100 % late after I disputed the inaccuracy through Trans-union on my new account. 
Then on XX/XX/XXXX XXXX came back and stated on my credit report that I went from 100 % on time payments to 67 % on time payments on my old account. 
This has been a mess from the time that I got my lease repriced to currently.
Consumer complaint received 2018-06-05
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: SYNCHRONY FINANCIAL (CA)

I was notified by one of my banks that the limit on a credit card was being decreased due to information on an XXXX credit report they just received. When I got that XXXX report, I saw that XXXX XXXX had reported negative information -- alleged non-payment and closure of a credit card. I NEVER applied for that card and never knew anything about it. When I spoke with the Synchrony representative, I was informed that the person who opened the account was in Florida, had no telephone number, no email and an " odd '' address. You would think this should have alerted the bank to suspicious circumstances and caused them to do some investigation before opening the card. I live in California and my credit reports from the three agencies have been flawless of decades and contain my correct address etc. When I requested that Synchrony fix this, they told me it could not be done in the 30 period I requested. As I understand it, they are required to look into this and cure it within 30 days. I want to report this failure and also the fact that I NEVER received any notice from XXXX XXXX that they were putting negative information on my credit report. This, too, is a violation of both the California statute and the federal statute. I would like the CFPB to open an investigation into both the improper diligence work by XXXX XXXX and their failure to follow the state and federal statutes for the correction of this situation.
Consumer complaint received 2023-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Subject : Dispute of Alleged Deficiency Claim and Violation of FDCPA and FCRA Dear XXXX, I am writing to formally dispute the claim of deficiency listed on my credit reports in relation to the repossession of a vehicle by XXXX XXXX XXXX , as well as to report a potential violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, XXXX XXXX XXXX  repossessed the vehicle in question in the XXXX of Florida and subsequently sent it to auction for resale. According to the laws of the XXXX of Florida, as well as the relevant statutes such as the XXXX and XXXX, a deficiency claim can only be valid if all necessary notices were provided in a proper and timely manner, and if the allowable redemption and cure time limits were strictly adhered to. 

To ensure the validity of the deficiency claim and the legality of the resale process, I requested XXXX XXXX XXXX to provide copies of the legal notices as well as proof of the commercially reasonable manner of the resale of the subject vehicle. However, despite the aforementioned request, XXXX XXXX XXXX  has failed to furnish any such evidence within the designated time frame of XXXX days from the receipt of my notice. 

Based on the lack of response and supporting documentation, I hereby assert that the alleged claim of deficiency is null and void. Any continued collection activities or reporting of this invalid claim on my credit reports would constitute a violation of both the FDCPA and the FCRA. 

I want to emphasize that I am committed to exercising my rights under the FCRA and seek appropriate recourse for any violations. Therefore, if XXXX XXXX XXXX singularly or severely fails to comply with the aforementioned requests, and if they persist in listing the disputed item on my credit report, I reserve the right to pursue legal action to seek damages against all parties involved. I am prepared to sue for actual damages and declaratory relief under the FCRA, utilizing all available State and Federal statutes and XXXX remedies. 

I prefer to resolve this matter amicably and avoid litigation if possible. However, I will not hesitate to use the courts as necessary to enforce my rights under the FCRA and seek the appropriate remedies. 

Enclosed with this letter are copies of the relevant documentation supporting my dispute, including the notice sent to XXXX XXXX XXXX requesting the legal notices and proof of the resale process. 

I kindly request that the Consumer Financial Protection Bureau undertake a thorough investigation into this matter to ensure compliance with the applicable laws and regulations, and to protect the rights of consumers like myself. 

Thank you for your attention to this dispute. I look forward to a prompt and favorable resolution.
Consumer complaint received 2020-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

My complaint is regarding a company known as Credence Resource Management. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XX/XX/XXXX. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same two accounts on my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX credit files. This is not my account and i want it removed from my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Credit files permanently. 
Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/2020 Loan Amount {$570.00} {$570.00} Payment Info Original loan amount {$570.00} Balance {$570.00} Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2024-03-25
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. (FL)

Account name XXXX Account number XXXX Account name XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX No payment history is recorded under my Transunion report but yet reported on my XXXX and XXXX. 

This is being report inaccurate on my XXXX and XXXX credit report. It shows up on XXXX out of XXXX. XXXX does not show payment history on my credit report. This is an violation of the Fair Credit Report Act. Per US Code 1681 Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies 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 subchapter.