davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-05
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)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

TRANSUNION IS INCORRECTLY REPORTING LATE PAYMENTS ON A PAID IN FULL CLOSED ACCOUNT. XXXX BANK ACCOUNT # XXXX THIS ACCOUNT WAS NEVER LATE. IT WAS ALWAYS PAID ON TIME AND IS PAID IN FULL AND CLOSED.TRANSUNION IS INCORRECTLY REPORTING THE DATE THIS ACCOUNT WAS OPENED, THE DATE OPENED DATE IS DIFFERENT THAN WHAT XXXX AND XXXX IS REPORTING. TRANSUNION IS NOT MENTIONING MY NUMEROUS DISPUTES UNDER " COMMENTS ''. 
TRANSUNION IS REPORTING 'DATE LAST ACTIVE ' AS XXXX, EVEN THOUGH I DISPUTED THIS ACCOUNT MANY TIMES SINCE XX/XX/2022, AND TRANSUNION CLAIMS THEY VERFIED THIS ACCOUNT, BUT CLEARLY, THEY DID NOT, PROOF IS IN THE DATE LAST ACTIVE. 
I HAVE YET TO RECEIVE DOCUMENTATION FROM TRANSUNION SHOWING PROOF THAT I WAS LATE WITH ANY PAYMENTS>?? 
VIOLATION AFTER VIOLATION-SO MANY INACCURACIES!! PLEASE REMOVE THIS ACCOUNT IMMEDIATELY.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I XXXX XXXX the consumer and natural person has disputed these accounts you are reporting on my consumer report. You can't validate a debt because I am the original credit and only I can validate an alleged debt. According to 15 usc 1602 ( g ) I am the original creditor. You do not have the authority to validate a debt according to Congress. You have violated my consumer rights. I also have a right to privacy which you have violated every aspect of my right granted to me. I am a Natural Person of Heaven and my rights are given to me by God himself. I am demanding a thorough investigation and I want all the accounts listed deleted from my consumer report. I also plan to report you to the XXXX  and Attorney General. I also plan on contacting the media and letting them know how my consumer rights are being violated.
Consumer complaint received 2019-01-30
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. (HI)

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX ,
Consumer complaint received 2021-08-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc. (NY)

My regular loan payment was {$410.00} monthly since XX/XX/XXXX when I took out the loan. 
My monthly payment was reduced this year to {$370.00} after I told Upstart I was going through hardship, and an additional 10 months was added to the life of my loan. 

The confusion started after I made an extra payment of {$200.00} on XX/XX/XXXX, which was allotted to the XXXX payment, making XX/XX/XXXX balance {$170.00}. 

I paid {$170.00} on XX/XX/XXXX and made an additional payment of {$50.00} later that day, which added up to {$290.00}. The interest on XX/XX/XXXX was {$97.00}. 

The screenshot I took on XX/XX/XXXX before the payment was made said my balance was {$10000.00}. I expect after the interest of {$97.00} is deducted from the {$290.00} payment, the difference of {$130.00} should make my principal balance {$10000.00}. 

When my account was updated, my balance was {$10000.00} instead of {$10000.00}. Only {$50.00} was deducted from my payment and not {$130.00}. 

The next day {$12.00} interest was added to the balance of {$10000.00}, making it {$10000.00}. 

Getting an explanation has been time-consuming. I have been emailing and calling about the calculations but to be put on hold, get disconnected, or being told the calculation is correct.
Consumer complaint received 2020-02-28
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. (NV)

I do not moniter my credit often, I see an ample amount of account showing on my credit profile that I have no knowledge of. I have contacted the credit bureaus via mail and none of my request are being responded to.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I applied for an auto loan at a car dealership. My credit report is showing their hard credit checks as XXXX separate pulls when they should combine into XXXX because they were made in a 14 day window.
Consumer complaint received 2022-09-13
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. (PA)

Currently, XXXX, XXXX and Transunion are reporting a Bankruptcy XXXX XXXX. I initially sent a letter to all three bureaus on XX/XX/2022, asking if this Bankruptcy could be validated. While waiting for a response I reached out to the Bankruptcy Court and asked if this information could be verified. In turn I was was advised by, Bankruptcy Court does not share or report information with Transunion, XXXX or XXXX. Because I understand it takes time to process a validation requested, I waited until XX/XX/2022 to send another follow up letter. I had received no responses, therefore I requested for Transunion, XXXX and XXXX to provide any supporting documentation that would validate this bankruptcy. Yet again I still received not responses. I sent 2 additional letters on XX/XX/2022 and XX/XX/2022 requesting the bankruptcy be removed from all three bureau 's as none of this information has been verified. Furthermore there were also several student loan late payments and collections accounts on my report that incomplete and inaccurate reporting. As far as the Student loans, I had sent several letters dated XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. I noticed there were several late payments indicating I was 120 days late however the previous month I was on time. How can you go from on time to 120 days late within 30 days. This is not accurate and should not be reporting. I have sent four letters asking for validation and i have not received one response, or proof supporting the reportings. Lastly there had been some collections added to my report i had no knowledge of and again i requested for these documents to be validated and i haven't received anything. i have attached all the letters i have sent.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

Despite multiple written requests, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account below : WELLS FARGO DEALER SVC XXXX
Consumer complaint received 2019-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX has been after me over this fraudulent debt for almost 10 years now. I used to call them after every billing cycle and complain that they were gouging me ; my bills were going into the {$100.00} - {$300.00} range because of supposed data overages THAT I NEVER USED TO BEGIN WITH! So finally I switched plans. When I did that, they took my existing bill and added a prorated amount on top of it, which was ridiculous. The bill was ridiculously high, and I told them I wasn't going to pay it and wanted to cancel my membership. They said I had to pay and I started a new 1 year contract with them the month before. So, I didn't pay ( was actually financially incapable at the time ) and the next month they tacked on another bill. They said I owed close to {$600.00} FOR A PHONE BILL! I told them I didn't care how much they said I owed them, I will never voluntarily pay it. So they further hurt my credit by putting a derogatory remark on the Transunion account. 

Also, this debt collection is very old. I was happily with XXXX in 2016, not XXXX XXXX XXXX.
Consumer complaint received 2024-05-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA (SC)

Hyundai motor finance is scamming me. We were involved in a motor vehicle accident on XX/XX/year> that rendered the vehicle a total loss. Hyundai submitted a letter of guarantee ( attached to this case ) requesting about {$17000.00} for the vehicle to be considered paid off. My insurance company issued the check to Hyundai and the check was cashed just a few days after receipt. XXXX weeks later Hyundai called me stating they made a mistake and want me to pay and additional {$13000.00} out of pocket, claiming they made an error on their calculations, the representative on the phone agreed that this was in fact a Hyundai error and they will try to resolve it for me, Im unsure of what unfolded after the fact. I waited for a little over a month after the conversation with Hyundai assuming they resolved the issue, however I was wrong, instead of calling me back Hyundai took the easy way out and mailed me a letter letting me know that I owe them this balance. This is completely wrong in the part of Hyundai, Im being held liable for something they created. When I XXXX  purchased the vehicle ; Hyundai received around $ XXXX from me as a down payment for the car and they are being greedy now. This is affecting my livelihood by a lot, Im a public servant living at my mean, I can not afford this error like Hyundai can. Please rectify this issue. Ive been fed lies by both parties and Im honestly unsure who to trust at this point.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-02-04
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. (NY)

In XX/XX/2022 my daughter got a letter stating her lease payment wasn't made. Once she learned of this she immediately paid it. She ended up paying XXXX months at once which is provided here too and the amount was {$920.00}. This is not my account and I disputed it with the credit agencies but they won't help. XXXX doesn't send any communication to me so I had no idea. She had issues with her bank account and they put it on her credit and mine. In the attachments I provided, you can see that she got the automated message saying thank you for your payment but never got any correspondence after that so she didn't know their was an issue. I don't think it's right to XXXX XXXX people for XXXX mistake. I've never made a late payment and this should not be reflected on my credit. I'm asking for help in removing this.
Consumer complaint received 2021-11-22
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: EQUIFAX, INC. (CA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2023-02-04
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. (CA)

To Whom It May Concern, YOU BROKE THE LAW!! 


Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; It has come to my attention that your company has violated multiple provisions of Title 15 USC 1681 of the Fair Credit Reporting Act. The accuracy and fairness of consumer reports is imperative to the functioning of the banking system, and the actions of your company have put this principle in jeopardy. 

Pursuant to Title 15 USC 1681 ( a ) ( 1 ), I was never notified of the furnishing of inaccurate information to my consumer report, which has caused my report to be unfair and undermined my confidence in your company 's procedures.

Moreover, Title 15 USC 1681 ( a ) ( 2 ) establishes that your company 's actions have caused harm to my reputation and creditworthiness, and Title 15 USC 1681 ( a ) ( 3 ) states that your company assumed a role for which it was not authorized by me or a competent court of jurisdiction. Furthermore, Title 15 USC 1681 ( a ) ( 4 ) establishes that your company failed to ensure the accuracy of the information and to exercise its obligation with fairness and impartiality, resulting in a breach of my privacy rights. 

Additionally, Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) clarifies that transactions between the consumer and the person making the report should not be included in the consumer report, and Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( III ) states that the consumer should be given the opportunity to deny the information being reported.

Furthermore, Title 15 USC 1681a ( B ) excludes the authorization of specific extensions of credit, such as credit cards, from being included in the consumer report. Finally, Title 15 USC 1681a ( e ) outlines the requirement for a thorough investigation when producing an investigative consumer report, and the Fair Credit Reporting Act regulates the production of consumer reports to ensure the accuracy and reliability of the information included. 

In light of these violations, I request that this inaccurate information be removed from my consumer report immediately, and that your company cease reporting my information in its database. I also request a copy of my investigative consumer report, as required by the Fair Credit Reporting Act. Any failure to uphold the law will result in a defamation lawsuit. Let me remind you that company policy does not supersede federal law. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2019-12-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Insikt, Inc. (CA)

On XXXX XXXX, XXXX I went to a check cashing center in XXXX California at : XXXX XXXX XXXX, XXXX California XXXX. I went there to specifically get a payday loan for {$200.00}. I asked the clerk, do you check credit for a payday loan? She replied " No ''. 
I said okay I would like to apply for a payday loan of {$200.00}. She took my personal information, and processed the application for a payday loan. At no time did the clerk ever tell me that I was applying for a XXXX XXXX XXXX loan. That loan is not a payday loan. 
No where on the payday loan documents does it say the word XXXX XXXX XXXX. I had never heard of XXXX XXXX XXXX until I received a letter from then from a phony address over a month after I had already paid back the payday loan. I received a letter stating that I had applied for a XXXX XXXX which is a lie. It stated that I did not qualify for the loan and that they had accessed both XXXX  and XXXX. They violated the Fair Credit Reporting Act by illegally accessing my credit reports and doing what is called a hard Inquiry. What really is happening is that XXXX XXXX along with check cashing businesses are going behind consumers backs and attempting to use their personal information to open up loans. This is illegal and its identity theft along with a direct violation of the 1964 Civil Rights Act, Criminal Identity Theft California Criminal Code 530.5 PC # 619 obtaining  information under false pretenses. I contacted the Check Cashing CEO and I made an undisclosed settlement with the Check Cashing for these violations. That does not excuse them from breaking the law. XXXX XXXX has continuously lied about this. XXXX XXXX does not have a signed loan application with my signature on it which is required by federal law, and state of California law. I do not intend to allow them to get away with this fraudulent behavior. So I realize that CFPB will only contact XXXX XXXX and tell them to contact me. This will not solve this injustice, and I intend to bring the full law down on them in Federal Court very soon. 
XXXX XXXX XXXX is using numerous names, like Lendify and Insikit, they use several false addresses also, and they have false information filed with the Secretary of State in California. They were recently sued in Federal Court in the northern district of California, for breaking other consumer laws on loans. XXXX XXXX XXXX address is : XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX California XXXX. XXXX XXXX XXXX, uses voip to send all calls to a third world country where the people who answer their line can not speak or comprehend english, that number is XXXX. I expect this complaint should be turned over to federal investigators because I am making a direct accusation that I am not the only victim of this fraud. I am sure they have done this to other people who think they are applying for a Payday Loan.
Consumer complaint received 2019-01-30
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. (TX)

Recently, I've grown an interest in monitoring my credit. I am ready to purchase my own home. As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove these negative items from my report, they are indeed fraudulent and do not belong to me.
Consumer complaint received 2019-12-04
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: SYNCHRONY FINANCIAL (MO)

I told Synchrony Bank that I was having problems with XXXX and XXXX for double dipping into XXXX XXXX. I just got a check from XXXX to get me out of debt. I paid Synchrony Bank for the different credit cards that I have with them Synchrony Bank has chosen to kick me out of the different cards. 
I have a notice from them dated XX/XX/XXXX stating this and a few others. 
I also have XXXX, XXXX and other physical XXXX. The Sam 's Club with Synchrony Bank still has been calling up. 
Synchrony said that they would not call me up. So, I am somewhat saddened would use this type of a situation to do this. I can't help what my bank did, or the health insurances. 
Synchrony used XXXX  for their information. 

Thank you.