davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reviewed my consumer report, and I noticed that I had two late payments on my account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability and maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshot inside of this complaint and on dates ( XXXX and XXXX  ). Please investigate and provide proof with a statement showing that these late payments were late. If proof can not be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thank you very much. Please see the screenshot attached
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my new family with a baby on the way Please remove unauthorized inquiries from my credit report As soon as possible SEE ATTACHED. 


COLLECTION - 15 us code 1692j - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete.
Consumer complaint received 2022-05-24
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. (CA)

I previously submitted the below complaint re : TransUnion, XXXX XXXX XXXX, XXXX XXXX XXXX corrected it & TransUnion has not. I need them to correct it as well. Here is the complaint : I refinanced my personal residence late last year. I own a rental property with a mortgage loan as well. The closing agent ( XXXX XXXX, a XXXX XXXX ) erroneously paid the mortgage loan off that was on the rental property, though all loan documents contained the correct property address. The payoff occured on XX/XX/2020 In XX/XX/2020, I received a late payment notice on the mortgage secured by my personal residence. This notice came from XXXX XXXX XXXX in Virginia. In speaking with them, the originating lender & XXXX by phone, I was made aware of the error In XXXX of XXXX, I was also made aware by credit monitoring services that a 30 day late payment was recorded for XX/XX/2020. This resulted in a XXXX point credit score drop across all 3 reporting agencies. Since then, I have been in telephone contact with XXXX disputing the entry with them twice with documentation from XXXX assuming responsibility for the error. I have also disputed the entry with XXXX, XXXX XXXX TransUnion, all to no avail, as I have received confirmation from all that the error & resulting damage to my credit is uncorrectable.
Consumer complaint received 2022-05-24
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. (TN)

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. The Credit Bureau stated my account ( XXXX XXXX XXXX XXXX  Acct # XXXX ) was properly investigated but how is that possible when the open date is inaccurate, the date last active is inactive, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 US C1681 Section 602 A states I have the right to privacy.

15 US C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-24
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. (KS)

I recently pulled my credit report and noticed the following errors hurting my credit and good character. I know it is my write to dispute this inaccurate information and have a reasonable investigation performed to remove the item. 

XXXX XXXX Account number ( XXXX ) ( XXXX ), Delete this charge off because you are reporting the date of last active, Transunion as XX/XX/XXXX XXXX as XX/XX/XXXX. also the account numbers are different on each report. 

XXXX Account Number ( XXXX ) the date of last activity is reporting inaccurately. 

XXXX  XXXX Account Numer ( XXXX ) the date of last activity is reporting inaccurately. 

XXXX Account Number ( XXXX ) the date of last activity is reporting inaccurately. 

XXXX Account Number ( XXXX ) the date of last activity is reporting inaccurately. 

XXXX XXXX  Account Number ( XXXX ) the date of last activity is reporting inaccurately. 

attached is a copy of my credit report highlighting the inaccuracies noted above regarding my credit report.
Consumer complaint received 2024-03-09
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. (PA)

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. Act Name : XXXX XXXX XXXX, Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX 15 USC 1681 section 602 A, 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 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) 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 or reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. XXXX XXXX XXXX, 15 USC 1681 section 602 A, 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
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 is missing that should be on the report
Company: CLGF Holdco 1, LLC (AZ)

I disputed a debt with this company, on XXXX XXXX and they fail to report the dispute to the credit bureau. 
I'm seeking legal consul and the is a violation of FCRA section 623 which carries a fine of XXXX XXXX XXXX.
Consumer complaint received 2022-05-24
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. (AL)

Went to car lot they said they would run my credit with one bank they ran it with alot of banks 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 2022-05-24
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. (AL)

Went to car lot they said they would run my credit with one bank they ran it with alot of banks 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 2015-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (AZ)

Equifax is currently reporting a tax lien as released but it has been withdrawn and no longer exists as public record and needs to be deleted from the report entirely. Again they refuse to investigate this, just report what they verified years before it was withdrawn. They must start a new investigation and provide me with contact information who they are verifying with which they have refused to do because they are not investigating.
Consumer complaint received 2020-09-16
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (DC)

In XX/XX/XXXX Carringron Mortgage Conoany reported my mortgage account as being 30 days late. I was bewildered because my account is on a bi-monthly payment plan that pulls funds from my account on the XXXX and XXXX of the month for the applicable months payment. When I went online there was no indication that the amount was not paid because the payment status appeared up to date. When I called and inquired they indicated that a payment on XX/XX/XXXX was not processed and returned by the bank. I mentioned I was unaware of this and did not receive a call or any communication indicating the payment was returned. They indicated the payment was unable to be pulled until XX/XX/XXXX which was 30 days late. I dispute this account because I was not made aware that the payment was not pulled as the account status appeared up to date. Additionally, the bi-monthly payment plan makes the mortgage payment into on the XXXX of each month which means a payment on XXXX would not have been 30 days late. Lastly, there is no documentation that describes the payment requirements, etc. when on a bi-monthly payment plan so this reporting is predatory, unfair and extremely harmful. I have paid my account on time for nearly 3 years and have never had this issue. I signed up for the bi-monthly payment plan in XXXX ; however, based on the ambiguity in the requirements, payments, etc, I have opted to cancel this plan. I am requesting accurate reporting of my payment history on this account.
Consumer complaint received 2022-05-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

On XX/XX/XXXX I traded a XXXX XXXX XXXXXXXX truck to upgrade to a XXXX XXXX XXXX truck, I was talked into leasing instead of purchasing the vehicle. The dealership this took place was at XXXX XXXX in XXXX XXXX and 3 months later they sold to XXXX XXXX. The contract I signed was a digital signature and the residual balance is {$22000.00}. XXXX has a different residual {$30000.00}. I have contacted XXXX XXXX multiple times and XXXX Consumer Affairs did not get any helpful advice other than XXXX stating that each dealership is independently owned. I filed a complaint with the Attorney General Consumer office and XXXX XXXX XXXX XXXX XXXX tried to help with the complaint reached out to XXXX and stated same results they told me. If this happened to me how many other people did this happened to. I will attach all documents I have regarding my complaint. Also the last person that was suppose to make a judgement on the case was XXXX XXXX XXXX Any help would be greatly appreciated, thank you
Consumer complaint received 2023-10-16
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX
Consumer complaint received 2020-09-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: STERLING JEWELERS, INC. (MD)

I received 2 phone calls from a company called XXXX from a phone number XXXX and told me to call back an XXXX. One at XXXX on XX/XX/2020 by a person named XXXX left me a voicemail saying she has documents that has been issued to the office that if I don't respond by the end of the day they will be come to my job and/or home to issue the document. 

At XXXX same day XX/XX/2020 a guy calls me at work and initially started talking to me like he knew me asking if I was at work or home today. I told him I am at home but my. phone calls are forwarded to me. He then proceeded to tell me I owed on an account from Kay Jewelers in the amount of over {$1200.00}. I told him I would need to see this information because I don't believe I owe them that money. He told me they already made the necessary attempts to collect on the debt by mail and I should already have that information and I would need to pay the amount. He then proceeded to tell me the original amount was around {$600.00} and with fees and so forth I now had to pay {$1200.00}. I told him I do not agree with that and he said it did not matter if I agreed or not. He wanted me to agree with it without looking at the documentation. He told him if I look at my credit report or contact Kay Jewelers they will tell me the same thing. I let him know that I will not agree to anything unless I see the documentation. He then started telling me what my social security number was and asked if I needed the account number. I told him to do what he needs to do and hung up with him.
Consumer complaint received 2023-10-16
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: EQUIFAX, INC. (VA)

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that this account has not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX XXXX Balance : {$480.00}
Consumer complaint received 2018-01-23
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: EQUIFAX, INC. (NV)

The Company XXXX XXXX run a hard inquiry check on credit report agency Equifax. 
I did NOT authorize this inquiry. 

I called XXXX fraud department and Equifax. 

I placed a dispute on Equifax credit report, and fraud alert on line, then called the customer service to talk to someone for some questions and resolution. 
The person that I spoke to, an employee of Equifax, told me that there was nothing they could do to remove that hard inquiry from my account, that it would be there for 2 years. 
I said, how can you keep it there if that is a FRAUDULENT inquiry? 
They replied I had to contact XXXX XXXX, which I did right prior to contacting them. 

XXXX fraud department DENIED that they used my social security to run a hard credit check, and the fraud department lady I spoke to said that anyone can run a credit check without social security. I told her she was mistaken, because to my knowledge they must have a social security to run a credit report, and the credit report agency confirmed this, they can not do it without it. She replied these words '' you do not know what are you talking about '' and hang up on me. 

Both XXXX and Equifax have given me the run around, even after I disputed the information and even put a fraud alert on my Equifax account. 

That hard inquiry has to be removed ASAP, and not after 2 years like Equifax customer service agent said, because it lowers my credit score for no reason, since it was a fraudulent inquiry. 

Please help me to resolve this issue. 

Thank you.
Consumer complaint received 2023-03-03
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance {$240.00}
Consumer complaint received 2022-04-14
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. (CO)

In accordance with the Fair Credit Reporting act, Bankruptcy Reference : XXXX, US BANKRUPTCY COURT- XXXX , Chapter XXXX has violated my rights. 

The time for this has expired and should have been removed. 

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
Consumer complaint received 2019-11-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Advance America, Cash Advance Centers, Inc. (OH)

Advance America XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Phone Number : ( XXXX ) XXXX Payment are supposed to be taken out of my checking account automatically on the 5th of the month. Permission was given to authorize that several months prior. 

On XX/XX/2019 I receive a call that the XX/XX/XXXX payment was " late '' requesting me to rectify a mistake that they had made ... .demanding that I pay the payment by debit card. I said I will do that ASAP via online. The company has continued to call me on a daily basis, even though I told them on several occasions that " I will pay it online before XX/XX/XXXX. '' Today, I called the corporate number only to be told that it is " within '' their right to continue to call until the debt is paid. 

I even now have to place their number on block to prevent the calls. But now they are using another number listed only as " Private '' on my caller ID to continue the harrassing calls. 
All I am asking for is for them to listen to what I am telling them to rectify a mistake that they caused. 

Sincerely, XXXX XXXX XXXX