davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2022-10-27
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. (GA)

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Account isn't reporting accurately a Chargeoff account can not hold a balance owed and these accounts are reporting different activity dates this a FCRA violation for misleading false reporting XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-04-13
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. (TX)

XXXX and Transunion are reporting an inaccurate account. The account XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX is being reported incorrectly and I have also tried to fix this to the point of no avail. Since it has been well over 35 days since my handwritten dispute letter, I am now reporting this inaccuracy to the CFPB and XXXX with proof of error. Attached is the document showing that the collection account was opened in XX/XX/2020, but is reporting XX/XX/2020 which is incorrect. The date last active is also wrong and inconsistent. It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Please see the attached inaccurate report and the documentation showing the different information you are reporting. Remove immediately.
Consumer complaint received 2023-05-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

There is an Eviction showing that first appeared on my credit file between XXXX, for amount of {$4700.00}, it has changed from one reporting Bureau to another. The company is XXXX XXXX. I disputed this item and address of XXXX XXXX XXXX XXXX that appears as well. We noticed that a real investigation never took place, but repeatedly placed back onto my report. The amount is different on different Bureau, the date continues to be updated to appear it's new, when we hired Credit repair company to help, dates went from XXXX to XXXX, now XXXX. I submitted a document from XXXX that shows the original debtor, XXXX XXXX, paid debt off. The other Bureaus continue to replace it into my credit stating I should pay said amount of {$4700.00} which is an attempt to gain another payment for same debt that was reported and paid by XXXX XXXX. I informed them that this will be filed with IRS, to make them aware of additional attempt to gain Payment from me for a debt that I disputed several times, that the original debtor paid. I never gave any supporting information that this belongs to me, or that any of my own personal information be shared or sold. It is clear that something wrong is happening with my credit, there are several spellings that are incorrect, several addresses over twenty that I've been made aware of recently, along with numbers that are not mine.
Consumer complaint received 2023-02-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX of XXXX, I reached out to BofA concerning entering into a deferment program for the loan on my RV. Because of Covid, I was not able to get work. I was able to set up a deferment for my car, so I called BofA to see if they could provide one for my RV. During the conversation, they told me about the program and its benefits and that the payments would be added onto the back of the loan. In XX/XX/XXXX, I was able to start making full payments of {$370.00}. In fact, over the net 12 months, I was able to pay more than the required amount in 8 of the 12 months. When XXXX rolled around, I noticed that my principal amount outstanding had not changed at all. In XXXX, I had made {$4900.00} in payments and yet only {$26.00} was attributed to my principal. I called the customer service area multiple times and they told me different reasons. One reason stated was that " principal payments need to be made via check or at the branch and that the online system was just for interest payments ''. I was never given a straight answer and the account was never corrected, which led me to file a claim with the XXXX. After repeated attempts by the XXXX  to have BofA address my concerns, they finally contacted me in XXXX of XXXX. They told me that while I had a deferment, I was still accumulating interest and that this had to be paid off before payments could be put towards principal. I told them that this detail was never provided to me when I spoke with them or via any paperwork. Basically, the deferment program would eventually lead to me paying more in payments towards the purchase of the RV. Thus, this lifeline that BofA was throwing me during the pandemic was in actuality a case of profiteering, which is unethical and illegal. Had I known the full details of the plan, I would never have signed up for it as it causes more financial hardship in the end. To think that a bank that was getting federal aid would perputuate this upon taxpayers is beyond belief. I asked the bank to pull the call from XX/XX/XXXX, which they were not able to do. I also asked for paperwork that referenced this supposed deferment plan and they could not provide this either. I am asking for the bank to provide the necessary financial remedy which is allocating payments towards principal, but also I think the bank needs to be punished for misleading their customers during a national emergency and profiting off of a national disaster. Please let me know if additional information is needed. Thanks. XXXX XXXX
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (FL)

Account # XXXX company name XXXX. Reason reporting late payments on my consumer report is in violation of my consumer rights. 15usc6801 15usc6802 Consumer reporting agency name : experian
Consumer complaint received 2023-03-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (NM)

On XX/XX/XXXX, a person made me a transfer for {$200.00}, he sent me the confirmation of the transfer but I never received the money, in the same confirmation he said that if the money was not reflected to the other person in 14 days the money would be returned. To date I have not received the money and I contacted the person who made the transfer and he was not returned the money. I tried to communicate with Wells Fargo and I didn't have an answer, I'm currently out of the country and I don't have a way to go personally to the bank to be able to talk to someone and be able to solve it since I really don't know what happened but I never received the money. 
The number and name of the person is XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-04-13
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. (TX)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-01-09
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. (LA)

Hi, This is XXXX XXXX, I am wondering what's going on. I sent you letters about errors on my credit report on XX/XX/022 but it seems you haven't made any action yet. You haven't even updated the status of those items on my credit report as if you totally ignored my letter. I am attaching the same documents I sent you last time so the CFPB would see them. Pls handle this matter properly.
Consumer complaint received 2023-04-13
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. (OK)

In XX/XX/XXXX, we closed our accounts with XXXX XXXX XXXX XXXX which included a car loan and a secured credit card. XXXX has consistently reported inaccurate information on our credit reports which we closed XX/XX/XXXX, as well as included in our Bankruptcy plan which XXXX didn't file a proof of claim on. Since XX/XX/XXXX, XXXX has manipulated our credit reports by " re-aging " debt on closed accounts, showing credit card usage on closed accounts consistently reporting this since XXXX, reporting us XXXX/XXXX days late on closed accounts and ignoring our request for a cease and desist from such misconduct. 

We requested in XX/XX/XXXX via certified mail ( # XXXX ) received XXXX, XXXX  refrain from such misconduct, advising of the FDCPA and FCRA violations. ( can not upload letter ) We contend XXXX violated. Apparently our request fell on deaf ears, and XXXX is above the law and can subject us to credit defamation at their will and leisure,
Consumer complaint received 2023-02-21
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. (VA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I hope the disputed items will be corrected as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-22
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. (MD)

I had an XXXX loan with XXXX XXXX XXXX. The loan matured in XXXX of XXXX. I paid loan off in XXXX. Between XXXX thru XXXX they reported me 60 days late. Remind you I paid in XXXX. I was paying on the late fees which was around XXXX. The actual XXXX of the vehicle was paid and all I had left were the late fees. I spoke to customer service in XXXX of XXXX and they had advised me that once the actual loan is paid and XXXX I have left are the late fees to pay, I can just start making any payment towards the fees and not the regular monthly payments which was XXXX} a month. And can pay on any date and not on the XXXX of every month which that was when payments were due. So I was paying a little bit at a time and eventually paid it off!!! They keep reporting me late and ruined my credit. Shows 60 days late. Account is closed and I even got my car tittle. I was given the information by a representative in XXXX in regards to the fees. I was told I can pay whatever I can on any date. When I told them of that they investigated, found that I was correct and AGREED to correct the credit reports. Till this day they have NOT. 

They need to remove the 60 day deliquencies on ALL XXXX credit reporting agencies like they agreed to do. They are reporting inacurate information.
Consumer complaint received 2023-04-13
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. (TX)

XXXX  ( loan company ) failed in any type of communication to me regarding my loan. Especially when the recurring payment stopped going through I was never notified. No notices were received about any payment status at any point since XX/XX/XXXX and it wasn't until XX/XX/XXXX that I saw an impact on my credit report and investigated. They've waived all penalties on the late payments and have agreed to send all future notifications in all available methods including mail, phone, and email so this never happens again. I do not believe TransUnion investigated the issue properly in the two days since I sent a dispute argument and has not fixed the bad mark on my credit report. I sincerely believe both organizations require further investigation on their process and failure to properly handle their customers.
Consumer complaint received 2023-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I received a notification from XXXX XXXX  XXXX they removed that inquiry from my credit report bet TransUnion refuse to remove along with XXXX founding seem refusing to update my credit score violation consumer reporting act
Consumer complaint received 2023-03-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-11
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: DISCOVER BANK (AZ)

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 Discover Bank Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-05-10
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)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. How can CFPB closed my complaint saying it has already processed my earlier complaints about this problem when I haven't got any response from the involved companies. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.
Consumer complaint received 2023-01-09
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. (AL)

On XX/XX/2022 i sent dispute letters to the credit bureaus asking to get some inaccurate items removed from my credit report. It has now been 62 days & these items are still showing on my credit report. I have not received any letters explaining the outcome of my dispute. These inaccurate items are preventing me from applying for a mortgage to get my home. Please assist with getting these items removed from my credit reports ASAP. Thank you for your assistance.
Consumer complaint received 2023-07-10
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. (IN)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report.
Consumer complaint received 2022-10-27
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. (AL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-27
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. (FL)

I just received my reinvestigation back from EXPERIAN, XXXX, XXXX. 

They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate XXXX  Accounts # - XXXX XXXX XXXX  XXXX - XXXX XXXX  XXXX  XXXX - XXXX XXXX - XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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 my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.