davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION (SC)

I have no knowledge of these hard inquiries that are currently descending my credit score and I am sure that these inquiries are from identity theft and requesting that they be removed ASAP, I will also be attaching the identify theft report, Licenses and social, and thank you for your help.
Consumer complaint received 2023-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

THE GROUNDS OF THIS DISPUTE WITH SAID COMPANY XXXX XXXX  WAS THAT THIS COMPANY WAS SUPPOSED TO NOTIFY ME OF THE DEBT THEY ALLEGED I OWE. WHICH XXXX XXXX FAILED TO NOTIFY ME ABOUT REPORTING DEROGATORY INFORMATION. In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; " The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), ' 15 U.S.C. ss 1681s-2 ( a ) ( XXXX ) ( B ) ( XXXX ). which i am sure your legal counsel will agree that XXXX XXXX  did not do. Lets also not forget that XXXX XXXX  broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were NOT met. IN MY DECLARATION i asked for validation of debt and DID NOT receive that. XXXX XXXX '' failed to give me my Mini-Miranda five days before placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of LA allows treble damages. Under 809. according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC , and that my state attorney general can also enforce this with a {$1000.00} penalty as well. XXXX XXXX is held liable as well for defamation and in the state of LA a creditor is who collects their own debt is considered a debt collector under FDCPA. OBVIOUSLY XXXX XXXX  is not very proficient in the rules of evidence. I NEVER received DOCUMENTATION. there is no contractual agreement that i owe any alleged debt to XXXX XXXX. THINGS THAT A DEBT collector MUST do is offer proof of the debt as owed by providing copies of the signed intrument or judgment from the original creditor. XXXX, FTC informal staff opinion letter, XX/XX/XXXX. See 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 ), et seq. 2. I am sure that your legal counsel will agree that XXXX XXXX have violated multiple of the above stated laws. IF XXXX XXXX  continue collection activity with not shown me ANY PROOF, nor the FTC OR CFPB that i was served my Mini-Mirandi rights, i will be pursuing LEGAL ACTIONS AS WELL AS FILING A REPORT WITH THE LOUISIANA ATTORNEY GENERALS OFFICE. I HAVE FILED A COMPLAINT WITH THE FTC & THE REFERENCE # IS XXXX
Consumer complaint received 2021-01-26
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: Exeter Finance, LLC. (VA)

I have made several attempts to have the late payments removed from my credit report for the year XXXX during COVID. I was granted a payment extension and I Specifically asked would it effect my credit report. I was informed by the representative that the credit report would not be effected because the program will keep my account current. Exeter lied about that and reported the late to my credit report for XX/XX/XXXX and XX/XX/XXXX. The other late payments from the year XXXX were from when I was in a car accident and couldn't work for months. Exeter agreed to have this escalated and has yet to research pr resolve either one of these issues. I have attached copy of initial claim submitted in reference to my car accident
Consumer complaint received 2023-02-15
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 submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX Date opened : XX/XX/2019 Balance : {$0.00}.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I entered into a 2 year contract with XXXX circa XX/XX/XXXX for XXXX XXXX phones not service. Those phones were paid off at the end of the contract term on XX/XX/XXXX after which time I paid a monthly fee on a month-to-month basis for service. This payment was paid before service was rendered thus when the end of the month ended the service ended ; our relationship ceases. Months later I began receiving mail that I owe {$690.00}. This is not true, I do not owe this debt. Additionally, XXXX5 U. S. Code 1681s-2 ( A ) ( 1 ) A states 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 2024-03-20
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. (CT)

XXXX and XXXX XXXX XXXX account open on XX/XX/XXXX and XX/XX/XXXX I have no knowledge of these account they were deleted of my credit report at one point I been a victim of many glitches were my identity has been stolen through XXXX XXXX XXXX, the post office as well as XXXX and I also. Have a fraud alert which I am never notify of and inquiry made on my accounts I have try requesting validation of these account and have not received any they just update the account with out removal I want the accounts removed I also have a hard inquiry that I did through XXXX and it was said I will not affect my credit and it did from XXXX  XXXX on XX/XX/XXXX
Consumer complaint received 2023-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing in regards to a wrongful debt allocation by XXXX XXXX XXXX XXXX to the tune of {$4300.00} on XX/XX/2022, as I have no knowledge or records of the debt in question. 

As well as a couple hard inquiries from XXXX and XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX ) Delete this account immediately because of violation of 15 USC 16815-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i & ( i ), and 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Delete this account immediately because of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) | ( 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 Delete this account immediately because of 15 USC 1681s- 2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Delete this account immediately because of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e (
Consumer complaint received 2023-02-14
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX Balance : {$6200.00} XXXX XXXXXXXX Balance : {$4600.00}
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion and XXXX has illegally reported wrong information on my credit report for years. It has impacted my ability to obtain credit. I was recently denied by XXXX XXXX, XXXX XXXX XXXX XXXX Ive disputed XXXX, XXXX, XXXX and Florida Child Support, along with all the unauthorized inquiries. TransUnion and XXXX told me to leave it on my credit and let it drop. Theyve cost me thousands upon thousands. They refuse to admit their mistakes and refuse to delete the information. I was told by a representative, that itll be okay. I wasnt notified of the lawsuit that XXXX and FTC have against TransUnion and XXXX. I wasnt provided any monetary compensation. My credit report and scores were affected by the TransUnion and XXXX breach.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XX/XX/23 Pursuant to 15 USC 1681b this inquiry needs to be deleted, due to the fact I never gave written consent to place it on my report. This is a violation of my privacy rights under the Privacy Act of 1974. In addition, there is no documentation they can show to verify that I have an open account from that inquiry, so the inquiry should not be there. 

Reasonings : Privacy Act of 1974 - A. The " No Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

15 U.S. Code 1681b - Permissible purposes of consumer reports : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681a - ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2022-11-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (ME)

I am a XXXX XXXXXXXX working in the XXXX XXXX. A few fraud accounts appeared against me during a recent required security clearance check. After I contacted Midland Credit management to let then know I never had opened an account with then or XXXX bank, they hung up on me. Then they began calling my father over and over and demanded he pay the bill! I have called them over and over from here in XXXX and they hang up on me every time and say they can't talk to somebody outside of the XXXX!
Consumer complaint received 2023-05-18
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: First Federal Credit Control, Inc. (CA)

First Federal Credit Control reporting agency has been illegally been harassing me over the years. Providing false statements to the credit bureaus. In addition reporting a {$3000.00} bill on my credit report for a XXXX XXXX. I never owed {$3000.00} and never went back to him. I gave him XXXX in cash. And the dental work failed. I was told to eat what I wanted to eat and then part of the crown partial snapped and I ended up getting XXXX more bottom teeth extracted. In addition, he told me to come back in and his financial person refused to let me come back in for him to correct the error of the dental work. So, the dental work I paid for failed and they refused to fix it. This has been over five years ago.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (PA)

On XX/XX/XXXX I initiated a loan consolidation through FSA including my student loan through XXXX and my parent plus loans through Mohela. On XX/XX/XXXX my application stated " in review '' still. I attempted to add XXXX additional loans to my loan consolidation and apparently that initiated a second consolidation loan application. Both loans state " in review with the XX/XX/XXXX date when I go to the FSA site. I am working with XXXX through my employeer XXXX to complete PSLF. I have attempted to contact FSA multiple times and EVERY attempt ends in FSA disconnecting the call without speaking to anyone. I have attempted to contact Mohela as well but after staying on hold for extended periods of time, it disconnects the call without speaking to the staff. I have file XXXX complaints with the FSA on XX/XX/XXXX and XX/XX/XXXX without any resolution. The only correspondence I have from Mohela is that my loan is now in forbearance. I do not have any idea if the consolidation is complete or not.
Consumer complaint received 2023-01-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Auto Credit of Southern Ilinois (IL)

Yes XXXX XXXX I sent in that I had lost my bi weekly paying job and I sent in that I had a back up job that paid once a month but a smaller pay. I brought everything in to there XXXX office on foot after they shut the car down several times and even used my daughters childsupport payments to pay till I could find another job also. XXXX XXXX XXXX  XXXX finance promise to work with me over and over. They have shut my car down multiple times I have missed out on high paying jobs cause no reliable transportation. My daughter is XXXX XXXX so she hasnt been able to get back and forth to school either due to our transportation being shut on and off. They are threaten repossession and garnishing my wages. The XXXXXXXX XXXX XXXX value of the car has already been paid off on the car which is the value of XXXX. They have turned off the car even before the actual payment date we arranged. They also stole off my credit card that I did not authorize payment on I had made a report to mt XXXX IL police department. They also have several policys on our agreement one papers stating 44 payments and several others stating 88 payments which is illegal for any dealer ship to go over 72 payments. I am filing this complaint because the state needs to be aware of the illegal activities they are doing to not only me but several others. They also called me lazy and told me I need to find a job theres no excuse knowing theres covid shut down still going on in IL and after they shut my car down purposely the next day when I told them I had a job interview. Now they are harassing me after I asked to speak with XXXX XXXX the head supervisor they refused several times but I was wrote a letter by XXXX XXXX XXXX that he will repossessed my car and garnish my wages and sue me after being decline to speak with him several times about a better payment plan till I can get another job. When they stole off my credit card they forge my signature on a paper with my credit card numbers I never signed off on I just only did one time payment with the card online. Thank you in advance for taking you time to read this please contact me as soon as possible
Consumer complaint received 2023-02-18
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. (IN)

I have submitted a dispute three times that this account was not included in a bankruptcy that was filed XX/XX/XXXX. I opened the loan with XXXX XXXX XXXX with my spouse XXXX XXXX the day AFTER and never amended to include that auto loan in with the XXXX XXXX bankruptcy. My bankruptcy was discharged XX/XX/XXXX. I voluntarily surrendered this car XX/XX/XXXX. In XXXX of XXXX an agreed entry for a repayment plan was entered into with XXXX XXXX XXXX in XXXX XXXX courts. I made monthly payments in the amount of {$150.00}. On XX/XX/XXXX, I paid the remaining balance of {$10000.00}. XXXX is still reporting as I owed a balance of {$20000.00} roughly and it was included in XXXX  XXXX bankruptcy. I have submitted all documentation several times and neither XXXX nor Experian will correct this
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX, XXXX I am writing to update/correct my personal information on file with your company. 
My ONLY Address is XXXX XXXX XXXX XXXX Apt XXXX XXXX GA, XXXX Please remove all the other addresses off my report XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX GA, XXXX as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
PLEASE STOP PUTTING THESE ADDRESSES BACK ON MY REPORT AS THEY ARE NOT MINE YOU ARE IN VIOLATION OF MY RIGHTS My name is XXXX XXXX Please remove any other aliases. 
Please remove all phone numbers. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-03-27
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. (LA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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.