davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : ) XXXX
Consumer complaint received 2023-02-07
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. (NY)

My name is 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 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (IL)

I last made a complaint in reference to consumer finance in  XXXX     2017  for complaint #  XXXX  which exeter finance said they would buy back the loan and report the loan paid and settled sine they never properly notified me of the sale of the vehicle and it is still reporting incorrectly as if i owe the full balance it has been well ov er 45days therefo re it sho I ld be removed for being incompliant and not reporting correctly. I have called them several times about this situation to resolve and they still have not reported correctly. In there last response to cfpb they stated it would be bought back reported correctly.
Consumer complaint received 2018-10-10
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. (KS)

I had XXXX XXXX credit card that I closed in XX/XX/2015. I just check my credit report recently and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX but they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help and have done nothing to resolve the issue.
Consumer complaint received 2022-09-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2023-01-08
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)

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 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 2017-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (MI)

CitiMortgage sold  my mortgage to  XXXX  last month. I have been paying my monthly mortgage by phone because it is a free serves from CitiMortgage. When I went to pay my monthly bill to  XXXX  by phone they are going to charge me {$15.00} for the transaction. I called customer service at both  XXXX  and  CitiMortgage  to complain about the fee and both said the standard " we sympathize with you situation '' and nothing else. The reason I choose to pay by phone is the post office has taken over 10 days to deliver my payments and with all the computer hacking I do not want to pay via internet. So CitiMortgage got to reap the benefits to my good credit rating to sell my mortgage and I lose my payment option - how can this be legal?
Consumer complaint received 2023-03-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Open Dealer Exchange, LLC (AL)

Refund all my money owed to me from all the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Tennessee, XXXX Tennessee, and the shareholder in XXXX Alabama, all are run the same,. I PURCHASED a XXXX  XXXX XXXX see on XXXX I paid the insurance company XXXX XXXX XXXX XXXX XXXX XXXX the agent, XXXX XXXX XXXX the sale 's person at the XXXX XXXX XXXX in XXXX sold me a defaulty car with bad mechanical parts no keys was set up nor it had a purged/blocked evap-emission system and my transmission was slipping l. I read the contract front to back I showed up and I called constily he never resolved the problem he just told me don't worry about it. I could of died. I'd have two to three insurance on my side at that procise time XXXX XXXX, XXXX, XXXX XXXX. And still got OVERCHARGED with FULL COVERAGE INSURENCE. WITH AN UNFAVORABLE NOTE ON MY STATEMENT I WASN'T EVEN SUPPOSED TO DRIVE OFF THE LOT.
Consumer complaint received 2022-09-07
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: Experian Information Solutions Inc. (MO)

Experian reported negative impacting comments in regards to an alleged collection account from XXXX XXXX on my credit report in which I did not give consent to and is a clear violation of privacy. 

15 U.S. Code 1681- Congressional findings and statement of purpose 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. 
XXXX vs XXXX
Consumer complaint received 2022-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (CO)

I opened a checking account with Navy credit union in XXXX. I gave the teller all of my information and she claimed the machine that issue the debit card was not working, she gave me a card with a number to call the company that issues the card which I did. After a week of not receiving the card I went to the bank and got another card. I later found out the {$5000.00} dollars that I deposited was depleted in one day around the city of XXXX  XXXX. The bank investigated and saw an older female using the card at ATMs. They questioned me as if l gave that person my ATM card, whom I did not know.The teller and I were the only people who knew the code # and my zip code. I also did not receive the card in the mail because it was already activated by the teller at the credit union. Even if I dont get my money back, I want others to be aware of employees at banks and giving them personal information to get into your accounts. This is my third attempt to retrieve my money, I also wrote an email to the CEO of the credit union. I have not heard anything back.Thank you.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA XXXX XXXX Credit Reporting XXXX XXXX XXXX to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX IN XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1600.00} ; XXXX CARD XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; BANK OF XXXX, XXXX. XXXX Balance : {$0.00} ; XXXX ( Original Creditor : FLORIDA XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX  XXXX XXXX XXXXReported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX BV XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; SERVICE XXXX XX/XX/XXXX XXXX According to FCRA XXXX XXXX ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

I was put on  XXXX   XXXX  and knew I could not pay off my debts with the {$1300.00}. per month I would be receiving, so I took a second mortgage out on my home to pay off all my debts in order to make ends meet and support my grandson and I. I made my intentions known to Synchrony Bank. I explained to them I needed my pay off information. It was exactly {$1100.00}.   Once this was paid 5 days later they sent me a bill for {$910.00}. When I called them to point this error out, they stated that a promotion was no long in affect and that I did not pay my debt off in time.   No agreement was ever signed or agreed to like this. If they have a signature it is not mind, because I would never agree to something like this and nothing was ever said about this when I stated my intentions to the bank. I have offered a compromise to protect my credit rating, but they will not consider any kind of a compromise and are demanding payment that I do not owe and can not afford to pay. Please help me. I have no scanner and therefore can not send attachments.
Consumer complaint received 2023-02-07
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. (TX)

On XX/XX/2022 I submitted a complaint to have my transaction history marked as late payments removed from my consumer report due to the company, reporting my information inaccurately. The address on the account does not match mines. XXXX auto finance, XXXX XXXX, XXXX  XXXX auto finance in a XXXX XXXX credit card.
Consumer complaint received 2017-05-10
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. (FL)

On  XXXX / XXXX / XXXX  I disputed an item on my Experian report with  XXXX   XXXX . On  XXXX   XXXX ,  XXXX , I received a response from  XXXX   XXXX  which did not include verification of my signature. They failed to validate the debt.  XXXX   XXXX  did not notify Experian that I disputed the information as per FDCRA. I sent another letter on  XXXX / XXXX / XXXX . I did not receive a response from  XXXX   XXXX  at all. On  XXXX   XXXX ,  XXXX , I sent a dispute letter to Experian. Experian did not verify the debt with my signature as required by law. In addition, information was added to my report from  XXXX   XXXX  through  XXXX   XXXX  that is inaccurate. On  XXXX / XXXX / XXXX , I sent a second letter disputing the incorrect information. Experian responded back that they would not reinvestigate as required by law. The information being reported on my credit report by Experian is inaccurate and must be deleted. I have been denied credit as a result of these inaccuracies.
Consumer complaint received 2017-05-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Sortis Financial, Inc. (CA)

Following up on complaint No.  XXXX . Please reference all documents and summary regarding this claim. Unfortunately, we just received notice by email from you it has been closed due to receipt  from Clear Springs (  response attached ). This was just a paper shuffle. I would appreciate the opportunity to speak to a member of your staff to discuss the avoidan ce by Clear Springs  to settle this short sale.  XXXX   XXXX   XXXX  has offered {$8000.00} to payoff the 2nd ( HELOCK ) and close out this file.  Clear Springs  would rather have foreclosure filed by  XXXX  and wipe out their receipt of any payoff amount. Very conceited approach. Homeowner distressed by this process!     Please phone my on my cell at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is the several endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX, XXXX XXXX  I XXXX Balance : {$300.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (OK)

XXXX XXXX XXXX has contacted my ex husband numerous times trying to collect a debt that is mine that was obtained years after our divorce. The most recent time was Friday XX/XX/XXXX. He has told them every time he is not me and they just keep saying when are you paying this debt. We need it paid. You are the said party and just lying.
Consumer complaint received 2024-03-26
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. (OH)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX 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 2023-01-08
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. (VA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 



Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand that the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus ( XXXX, XXXX and Equifax ) have not responded back to me about my investigation. I sent a letter stating XXXX XXXX XXXX is reporting a 30 days late on XX/XX/2020 which is inaccurate and it should be showing 'Current ', it's more than 60 days. I need this account updated to reflect the accurate information. They are defaming my character because I can not get approved for a home or car loan. Now I am homeless. This is devastating for me and my family.
Consumer complaint received 2017-05-10
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (FL)

I purchase d an American Express Gift c ard on  XXXX   XXXX ,    2017  ... in the amount of  XXXX . My daughter lost the card, on the  XXXX  of  XXXX . I immediately called on the  XXXX  to have it deactivated. On the  XXXX  of  XXXX  ... I faxed over documents such as, my drivers license and the original receipt of purchase to the company, so that I could get a replacement card ... . XXXX   XXXX  ... a letter was mailed by the company to my physical address stating that the items sent by  XXXX  were n't clear ... .I complied by sending in another set of documents  XXXX   XXXX , Just to be told by  one  of there reps ... ..the documents I sent in a second time were also blurry. The information sent in was to verify my physical address ... However, the company should n't need anymore proof of residency, if I responded to the letter mailed by there company to my physical address via phone call/ fax. I feel my giftcard should 've been replaced immediately. I feel as if, I 'm being given a run around. I really want to file a class action suit on behalf of any consumers, who have been ripped off by there company.