davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
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. (MS)

XXXXXXXX XXXX XXXX continue to report inconsistent, inaccurate and incomplete account information to my credit report even after i detailed the specific details of the errors in the reported account. EXPERIAN Continue to verify this reported account information as accurate and complete but the reported account information is not complete nor accurate. Experian fail to investigate XXXX XXXX  XXXX  even after i requested the do so. I sent to Experian the details of what im disputing yet to act, they only report back account information is verified by the furnisher XXXXXXXX XXXX XXXX  and refused to delete the inaccurate and incomplete account information reported. The conclusion dated before XX/XX/2023 yet to fix nor delete the inaccurate and incomplete account information nor delete the entire account as requested. I ask Experian to re-investigate the XXXXXXXX XXXX XXXX account reported information.
Consumer complaint received 2023-03-08
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. (NY)

XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. I believe XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX  XXXX & XXXX XXXX XXXX. You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of anydebtto coerce payment of thedebt by sending the letter and you also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.
Consumer complaint received 2023-07-14
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: Experian Information Solutions Inc. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

in accordance with the fair credit reporting. States i have the right to privacy. 

and these thing are wrong on my report. 

XXXX XXXX {$440.00} XXXX Act # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$740.00} XX/XX/2023 Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX Ar XXXX 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 2023-02-16
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. (IL)

VIOLATIONS OF MY FCRA ALSO VIOLATIONS OF THE METRO 2 COMPLIANCE # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX  is reporting an inaccurate repossession on my credit reports. I have contacted them requesting all documents concerning this debt and they have failed to respond. 

Furthermore, they are reporting and verifying multiple inconsistencies to each credit bureau. There are three different balances associated with this account, different number for the term of month, last payment dates, last active dates and open dates. If the credit bureaus all get their information from the same place, how are they all reporting very different information? 

It is the responsibility of any consumer reporting agency to report accurate information on a consumers report and it is illegal to verify and report inaccurate information. It is clear that this debt can not be verified as they have not responded to my dispute requesting all documents so I kn ow they have not done so with the credit bureaus. 

I am requesting that this account is deleted as they are in violation of the FCRA and my rights as a consumer!
Consumer complaint received 2024-02-03
Product: Credit reporting 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. (GA)

Once more, I find myself a victim of fraudulent activities, necessitating this renewed request for the removal of an inquiry from my credit file linked to an alleged identity theft. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), your obligation is to expunge any such items no later than 4 business days after XX/XX/XXXX. This concern has been previously raised in my prior complaint, and I am reiterating it, appending my new FTC report # XXXX for your reference. Additionally, the information provided regarding this inquiry was previously unknown to me and has already been expunged from other bureaus. I hold reservations regarding its accuracy, specifically referencing the entry from XXXX on XX/XX/XXXX. Consider this complaint as a formal notification ; failure to remove the listed inquiry on my report will result in legal action. I have apprised my attorney of my intentions, and they are prepared to hold you accountable for willful noncompliance. This serves as your final warning. Kindly proceed with the removal of the inquiry resulting from alleged identity theft.
Consumer complaint received 2023-07-14
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. (CA)

I acquired my credit report an extra credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) After doing their investigation XXXX Experian and XXXX XXXX failed to send me the method the verification of these accounts from the original creditor I waited 30 days and received my investigation and noticed everything was still the same consumer reporting agencies which is XXXX Experian and XXXX XXXX did not modify or remove anything, The date open is not correct, they less activity is not correct on all three credit reports, date of last payment is not correct on all three credit reports Which is a violation. This is impacting me from moving forward to buying my family a house and getting funding for my business
Consumer complaint received 2023-05-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

I signed what I thought was a financed car loan papers in 2021 with American Car Center. They have closed down all centers with no notification to anyone. Then I find out it was a lease. Our titles are being stopped, our warranties are voided, the contract period has been breached by them. I have lost time, money, work, soon my vehicle and no one to help or answer. And this is just a long story short.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (MD)

While I was XXXX  in a XXXX facility my sister used my banking information which contained my retirement savings and instead of taking care of my medical expenses she instead use it for her own personal expenses like cruises, home improvements etc.
Consumer complaint received 2020-08-16
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. (GA)

I have requested on multiple occasions by mail to remove the following : unauthorized inquiries. 


XXXX  - XX/XX/2019 XXXX XXXX - XX/XX/2019, XX/XX/2019 XXXX XXXX - XX/XX/2019 XXXX XXXX - XX/XX/2019
Consumer complaint received 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As an XXXX XXXX XXXX VETERAN, My Fair Credit Reporting act consumer rights have been violated. I am deeply concerned by the acts of these companies and how they have portrayed me with the constant violations reported on my credit report. It has brought great shame to me and my family. My life since coming back over seas has been in shambles with the loss of family members, COVID, AND dealing with XXXX XXXX XXXX XXXX ( XXXX ). I am unable to live a regular life due to these acts. 


The account listed below has violated my federal given consumer rights to privacy amongst other things. 


Account name- XXXX  XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX XXXX Account # XXXX Account name- XXXX  XXXX Account # XXXX Account name- XXXX XXXX XXXX  Account XXXX XXXX Account name- XXXX XXXX Account # XXXX Account name XXXX XXXX  Account # XXXX Account Name- XXXX XXXX Account # XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states that consumer reporting agencies can furnish a report under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy. ( My privacy has been completely ignored as these companies contact me via phone, Email & mail in order to garner attention to these accounts Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermined public confidence with is essential to the continued function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX, TRANSUNION, and XXXX violating my consumer rights by allowing these late payments/utilization/chargeoffs to report to my consumer report!
Consumer complaint received 2023-02-16
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. (TX)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-03
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. (GA)

I have reached out to the company about the inaccuracies that are being reported on my consumer file with XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Equifax on XXXX, XX/XX/XXXX The following account XXXX XXXX XXXX account XXXX XXXX with a balance of {$800.00} on my XXXX file. The original creditor is XXXX XXXX. This account is reported as a debt buyer with a last active date of XX/XX/XXXX. 

The following account XXXX  with account # XXXX with a balance of {$800.00} on my XXXX file. The original creditor is XXXX XXXX. This account is being reported as an open account with a last active date of XX/XX/XXXX. 

The following account XXXX XXXX XXXX with account # XXXX with a balance of {$800.00} on my Equifax file. The original creditor is XXXX XXXX. This account is being reported as an open account with a last active date of XX/XX/XXXX. 

This indicates inaccurate reporting which is in violation to the USC 1681 which states that I have the right to accuracy and fairness.
Consumer complaint received 2021-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (PA)

On XX/XX/2021 I attempted to remove my Bitcoin from my Bitcoin vault on CoinBase and transfer it to my XXXX XXXX  so I can withdraw the money from my account. To withdraw the money you must approve the withdraw from 2 emails. My primary email allows me to approve the withdraw, but my secondary email will not allow me to approve the withdraw due to a glitch by CoinBase. The company will not reach out to me on this serious matter and they are holding my money with absolutely no help. They are holding XXXX of my Bitcoin that I invested in. This is an ongoing issue with CoinBase that was never fixed on their end. Im asking to be able to have my money restored to me appropriately and have CoinBase help me.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2019-09-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (PA)

There are two missing payments for XX/XX/2019 and XX/XX/2019. I the interim of payments being processed, both my husband and self were victim to Fraud/Identify theft. We had almost {$6000.00} taken from our checking account. Twice we have had to switch our account information and now have to take a series of security measures. During this time we had payments that were returned, not by our fault, but do the the fraudulent activity. I contacted customer service. I went over all information with Santander Consumer services. I was told by a representative named XXXX to have my husband call back, we would be able to defer the two payments to the end of the note, while the credit is being adjusted. My credit union processed the payment on XX/XX/2019 and was paid to Santander by ACH. I called today with my husband and spoke to representative who I spoke to first, went over all information as to why account was behind. I told her multiple times what I faxed in to prove proof of payment, a police report, and letter from my credit union. I was then informed by representative that previous fax number given was incorrect. I had to re fax. She then asked why I did not make a payment on Friday and stated that I was given wrong XXXX XXXX information and that I was not going to pay again when I am trying to correct the two missing payments. She then said to me that she needed to speak with my husband and transfer to department to handle the deferred payments. Then gets on the phone with him and demands a payment. He was like I need to pay you today??? We are trying to correct the situation and fix this. She then went into almost double question my previous conversation. Then he said I heard the whole conversation between my spouse and you. That this is not what you just discussed with my wife. She then got rude and he asked her to provide him with Law Enforcement information to properly handle the matter and she would not.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

This account was charged off on XX/XX/XXXX. Since then the account has repeatedly been updated as charged off on numerous months. The account also has inconsistencys in payment history across all 3 credit bureaus. 
Equifax 30 days late XX/XX/XXXX XXXX 90 days late XX/XX/XXXX XX/XX/XXXX At the same time reported charge-off on the same months. 
A charge off should not include active payment history. 
This inaccurate information falsely manipulates the statute of limitations. I have opened an investigation directly with the credit bureaus with no change or resolution. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

acct number XXXX The XXXX XXXX XXXX I have no clue what this is from. I never was with the XXXX XXXX XXXX 
XXXX is the amount that is owed.
Consumer complaint received 2023-07-31
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. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-07-14
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. (TX)

I sent a a letter to each credit bureau, Experian, XXXX, and XXXX on XX/XX/XXXX  to correct some errors on my credit report. I have attached the letters that were sent to each bureau and none of the bureaus responded to my letters. There are accounts that are reporting totaling different amounts to each bureau for the same account which proves inaccuracies. I have not received anything back from any of the bureaus and its been over 45 days..
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello Trans Union : I was lucky to get a copy of my XXXX and XXXX credit reports through a mail request. Trans Union has never mailed out to me a credit report. I am respectfully requesting my Trans Union credit report, even if I need to pay for one. 

XXXX XXXX