davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX Line of Credit Contract Number XXXX is missing payment history information and the balance owed is incorrect. 

The payment history should be updated and the actual balance remaining should reflect XXXX. 

II. My address should also be updated to reflect XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. I mailed in the address request XX/XX/2023 and it is not reflected in the system with any of the credit bureaus.
Consumer complaint received 2024-04-03
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. (KY)

TransUnion is reporting a certificate of indebtedness that is reporting as income. The IRS has accepted this as reported income and 1099C cancellation of debt by XXXX XXXXXXXX XXXX account number XXXX was received on XXXX XXXX. Transunion is inaccurate reporting income to my consumer report. I have attached my Driver 's license and utilities bill as personal identifying information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Equifax is reporting XXXX accounts showing as charge-offs. According to the IRS, charge offs are defined as gross or ordinary income. Income does not get reported on a consumer report. Therefore this information should not be reported on my consumer report as debt. Please remove and update the following accounts from being reported on my consumer report. If these accounts are not removed i will file a complaint at my local courthouse for defamation of character being that they are furnishing inaccurate accounts on my consumer report and causing my character and credit capacity to be tarnished. 

XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number xxxxxxxxxxxx XXXX
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$8900.00} XXXX  XXXX XXXX Balance : {$8900.00} XXXX  XXXX XXXX Balance : {$8900.00}
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX. has violated my civil rights. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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 2022-11-24
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)

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 XX/XX/2016 {$1600.00} 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 2021-04-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Alleged debt was disputed several times .After 2 - 3 month Portfolio is listing this unverified debt back to 2 Credit Bureaus and refusing to verify the debt or provide me with correspondence related to their reporting activities. 
1692 e Any other false, deceptive, or misleading representation or means in connection with the debt collection 1692 e ( 2 ) Character, amount, or legal status of the alleged debt 1692 e ( 5 ) Threaten to take any action that can not legally be taken or that is not intended to be taken 1692 e ( 8 ) Threatens or communicates false credit information, including the failure to communicate that a debt is disputed 1692 f Any unfair or unconscionable means to collect or attempt to collect the alleged debt 1692 f ( 1 ) Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law 1692 g Failure to send the consumer a 30-day validation notice within five days of the initial communication 1692 g ( B ) Collector must cease collection efforts until debt is validated
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Io, Inc. (PA)

I HAVE NOT RECEIVED VALADATION NOTIFATION BY MAIL OR ELECTRONIC PRIOR TO REPORTING TO MY CONSUMER CREDT REPORT FOR COLLECTION AGENCY LISTED BELOW : XXXX XXXX XXXX {$270.00} IF YOU CLAIM TO HAVE SENT IT YOU MUST PROVIDE PROOF OF ME RECEIVING IT, BECAUSE YOU DON'T HAVE PROOF UNDER THE LAWS OF THE FDCPA, YOU MUST REMOVE IMMEDIATELY OFF MY CONSUMER CREDIT REPORT AND AWARD ME {$1000.00}.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Transunion I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report
Consumer complaint received 2023-08-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (NY)

I have consolidated all of my loans & they are now with MOHELA from Direct Loans. I went to XXXX XXXX  as well as XXXX XXXX. I was offered forbearance multiple times & have been on it for years now. I spoke to someone that I was referred to from my teachers ' union, XXXX XXXX XXXX, & I was told by one of their representatives that my situation looked like something called forbearance abuse. He advised me to reach out to the Ombudsman Group & I did so. My case number with them is XXXX. I reached out to them periodically only to be told they were " still investigating '' or that I should fill out a PSLF Reconsideration which I also did. I am not sure what is going on but I am afraid that since this has gone on now for so long that it will be really bad once XXXX rolls around. I need someone to reach out to me & maybe make an appointment to speak because I am very very concerned. My email is XXXX & my mobile number is ( XXXX ) XXXX. If someone can please help I would appreciate it. Thank you for your help.
Consumer complaint received 2023-08-22
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. (NC)

I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.
Consumer complaint received 2022-12-07
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. (FL)

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 2023-06-06
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: Experian Information Solutions Inc. (MI)

I have shown verified documentation to update my personal file with Experian I have requested several times to remove address ( XXXX XXXX XXXX ) from My personal file, i I have provide my valid driver license, and all documentation as requested to remove this address, I dont live here this is not my address. 

Experian is completely violation by not removing this address as requested, I have provide information showing this is not my address, I provide mail documentation such as insurance paperwork showing this is not my address as well. 

Im demanding Experian to remove this address under my FCRA rights 15 U.S.C. section 602 8 states I have the right to privacy 15 U.S.C. section 604 a section 2 also states as a consumer reporting agency cant furnish my account with my written instructions. Which I have stated to remove this address thats not mine, beginning with XXXX XXXX XXXX, Experian has chosen to ignore my demand when I have provide information showing I dont live at that address Im demanding for this address to be removed This is violation under 15 U.S.C . 1681 b 15 U.S.C. 1681b ( a ) ( 2 ) 15 U.S.C. 1681n Also Experian is in violation of 15 U.S.C 1681g how are Experian verifying this account im request for information to be shown to me on where the information verified is being verified ( within 4 days of written request or removed from my credit report immediately. Also.by not updating my information correctly and fairly. They have associated me with a 2 fraudulent account by name of XXXX XXXX XXXX on my credit report which I have requested several times to remove under 15 U.S.C. 1681 S-2 I have provide a police report, and provide vaild driver license to prove my identity and place of residence for over 15 years. 

Im demanding for XXXX XXXX XXXX account # XXXX to Removed from my credit report immediately they have been reporting on my credit not only as an fraudulent account, they are in violation of 15 U.S.C. 1681n bb Also have not provide any information as request pasting the 30 day expiration requirements/ in also in violation of 15 U.S.C. 1679i due to not providing information this account is past the statue of limitations as well XXXX XXXX  account # demanding to remove immediately 15 U.S.C. section 602 8 states I have the right to privacy 15 U.S.C. section 604 a section 2 also states as a consumer reporting agency cant furnish my account with my written instructions/ also under 15 U.S.C. 1681 S-2 which documentation has been provide several times
Consumer complaint received 2023-06-06
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. (NC)

I kindly request that you delete this account as it does not belong to me. I am extremely upset that it is appearing on my credit report, and I am deeply disappointed that I have been subjected to this situation. I urgently demand that the business promptly removes this account from my credit report as it does not belong to me in any way.
Consumer complaint received 2023-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MD)

The loan with XXXX XXXX was written off due to XXXX XXXX damage to my property during installation as well as their breach of contract in installing upgraded windows, refused to allow manufacturer to come inspect after installation. Repeatedly ignored emails when trying to rectify the situation, wrote to the owners and attorney and never received a response. The charge was removed from my credit report for years, now all of a sudden LVNV Funding LLC is contacting to collect. They have called my phone so much that I had to block their number, they email me several times throughout the month. Additionally, there are incorrect dates/no dates of the original loan provided. XXXX XXXX  has fraudulently reported and sold my personal information to LVNV Funding LLC without my written consent. In accordance with the Fair Credit Reporting Act, this has violated my rights under 15 USC 1681 602 states I have the right to my privacy. I have attached documents showing proof, my emails and letters sent to them of me trying to resolve the issues, as well as documentation showing that LVNV has incorrect/no date of original loan and numerous emails.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-02-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NORTHWEST BANCSHARES INC (AL)

This bank commented multiple violations, As a consumer they furnished me deceptive forms while creating a false belief .I would like to be reimbursement of what i payed to this company.This company has comment Fraud .By them doing this has damage my life for years.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, has violated my rights per the following laws : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-22
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. (TN)

I was a victim of identity theft when I was XXXX. My personal information was used to get credit cards. I have tried to fix this numerous times, but Transunion still hasn't removed these accounts. They know I was underage but do nothing about it I have spoken to many people. They are not doing the correct dispute and following the FCRA This is the company : XXXX XXXX XXXX There are three accounts with them
Consumer complaint received 2023-01-02
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. (NC)

XXXX  consumer incorrectly reported 2 late payments on my credit and I want it removed immediately. I am currently speaking with a lawyer and I will file a lawsuit if they continue to falsely report activity on my credit report. Inaccurate information needs to be removed immediately or I will continue with legal action. I want the two late payments removed immediately. I will also be contacting law enforcement for financial harassment by XXXX if the late payments are not removed by the end of XX/XX/2023.
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: Experian Information Solutions Inc. (IL)

I'm reaching out to your company because I am seeking assistance with having the credit bureaus do their due diligence in rectifying discrepancies found on my credit reports. This issue is has been escalated because the companies are failing to do their job. 
In XX/XX/2023, I initiated factual dispute letters on behalf of myself to XXXX XXXX, XXXX, and Experian. The letters contained detailed information and facts to support my claim of an accuracies on my credit report The accounts that I disputed were the Department XXXX XXXX XXXX XXXX XXXX and XXXX. All of these accounts are reporting inaccurate information to the three credit bureaus which is detrimental to my financial health. 
Previously I have submitted disputes but I am encountering the same results with each bureau as they are claiming to have done investigations in which the information is verified through templated responses. However, I challenge that as incorrect/not legitimate as it only takes a quick look at the reports, l to see that something is amiss. They have a responsibility to reports verified, fair and accurate information and they are not doing so. I also reached out to the creditors and they are unable to provide assistance. 
I did receive correspondence from the bureaus and I will attach it in the attachments section of this complaint form.
Consumer complaint received 2023-02-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Interest is over 21 % for a 2008 vehicle. Dealer never told me this insane rate and vehicle had countless issues and no response from dealer. Credit acceptance harassed me as i lost job to repay screaming shouting, this company is tortur
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I UNDERSTAND THAT FCRA 605B MANDATES THE REMOVAL OF ANY INCORRECT ACCOUNT FROM MY CREDIT REPORT. COULD YOU PLEASE REVIEW THE DOCUMENTS? SOME OF THE LISTED ACCOUNTS HAVE INACCURACIES, WHICH IS CAUSING ME DISCOMFORT.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX