davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Experian has received a letter from me on XX/XX/2018 regarding an account that has been investigated and deleted by another credit bureau, which is XXXX. This account is misreported/ unverifiable/ false/ and or else wise inadequately reported data and/or derogatory information that is questionably, if not deceptively, reported in my credit file unfairly and surely illegally. As you know, COMPLIANCE of reporting for any VALID CLAIM is MANDATORY, NOT OPTIONAL. Prove or remove, THAT IS THE LAW! The item here reported is DEFICIENT of reporting mandates as it is in the least questionable in its inconsistent reporting and deceptive even error-prone reporting. As detailed by the XXXX XXXX Five Points of Compliance per the link : XXXX : XXXX OBVIOUSLY, the five noted points above are each MINIMUM STANDARDS for being compliant in processing consumer complaints COMPLIANTLY and exactly as dictated by the XXXX as per listed at this link. This sequence of requisites to certified compliant reporting is commonly referred to as the XXXX aka XXXX XXXX Five Points of Compliance! It is FEDERALLY mandated and must demonstrate proof of such should a consumer call for a CHECK of VALIDITY and/or COMPLIANCE of reporting and/or DISPUTE the claims validity and or CHALLENGE the alleged compliance of reporting, even the mandatory perfect and complete XXXX XXXX Format Compliance standards of reporting as above mentioned at least! 
Follow suit and delete this account for accurate reporting : US BKPT CT IL XXXX Identification # XXXX Attached is the letter sent to Experian on XX/XX/2018, XXXX XXXX Five Points of Compliance explanation ( pay attention to highlighted area ), XXXX credit report with deleted account.
Consumer complaint received 2023-08-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MD)

The mortgage account that I see listed on my credit report, are the ones that I have had since working with these people who have scammed me and still are in this process. I am tired of explaining and not getting anywhere. How will you let them get out of this I have sent documents, and I am not paying them anything don't know where who payments go to.
Consumer complaint received 2018-12-20
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)

Equifax has been non-compliant with removing the unverified account MEDICAL  XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that MEDICAL was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-12-20
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. (CA)

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 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 2018-12-20
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. (CA)

Please know that I was not late on XXXX XXXX XXXX I wonder why Experian report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Consumer complaint received 2018-12-20
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. (CA)

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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : MEDICAL ) XXXX,
Consumer complaint received 2018-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (FL)

there was charged made to an account i applied for i never recieved the card and filed a police report EVEN though im NOT requeired under the FCBA and she rebilled my account all she had to check was where clean it supply was delievered and see not my address she made vile requests to go redue the police report which i didnt even have to file she violated my rights and rebilled me bc shes XXXX and im XXXX i need the XXXX to investigate her practices, my wallet was stolen at XXXX airport and used all over the place including my id and even traffic tickets where given under my name this is fraud and she is in vioaltion discover needs to be investagated iwas even out of state when this fraud happened coudlnt be 2 places at once included is my flight iterarty as proof
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am very stressed out due to the errors that I found being reported on my credit. The bureaus verified information by allowing certain inquiries to be placed on my account, yet I never gave my consent to do so. It is clear that these agencies did not take the proper precautions to make sure that the information they were reporting was 100 % accurate which in turn has taken a toll on me and my life.
Consumer complaint received 2022-02-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Our lease is ending with XXXX XXXX and we decided to purchase the car. I went into XXXX XXXX to find out what I needed to do to purchase the car. After I found out XXXX wanted {$1000.00} processing fee to do the paperwork. I refused and said will go to XXXX. 

Without my authorization they ran my credit 3 times on XXXX/XXXX/2022, XXXX/XXXX/2022, and XXXX/XXXX/2022. I am currently contracted with XXXX who sends me alerts. 

I have verification that XXXX XXXX ran my credit report on XXXX, XXXX, and XXXX XXXX.
Consumer complaint received 2019-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (NC)

I purchased with a XXXX debt a table with XXXX online, delivery date of XX/XX/XXXX. Received an email stating the delivery was postponed until XXXX. Next was a new date of XXXX and I decided to cancel which I did by speaking to Ms. XXXX XXXX and Ms. XXXX XXXX. Because of the delay, I requested XXXX to refund my money because of the timing and XXXX several delays. They honored my request and indicated that to XXXX XXXX and the matter was resolved. Several months later, with no notification, Cedar Financial placed a derogatory debt collection on my credit report on XX/XX/XXXX. I called XXXX According dept and they indicated that its impossible because they only deal with their credit cards. I dont have an XXXX or XXXX Card. I used my XXXX debt. You cant order online without a card. In addition, the product was never delivered and never left the companys docks. My new delivery date was in XX/XX/XXXX. I ended by a table off XXXX because the holidays were approaching. I could not host my family in my new house for XXXX. I was clearly upset over the delays. Now, Im extremely upset over the false reporting on my credit report. I have emailed letters indicating such facts. XXXX and I seldom spoke over the phone, most through emails. Order # XXXX was not delivered at all. Thank you. 
XXXX XXXX PS : I can send the emails to another email but Ill have to take snapshots of the emails. Im not tech wise!
Consumer complaint received 2018-12-20
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. (GA)

XXXX XXXX defrauded me the case. was filed in the United States District Court XXXX District of XXXX  XXXX v. XXXX XXXX & Co.Case number XXXX XXXX. They reported damaging credit from XXXX XXXX on customers like me. They charged me fraudulent settlement fees refused to apply payments when I did not pay settlement and reported late payments and still were until recently. They have not owned my loan since XX/XX/XXXX.I want them removed from my credit report they have harmed me enough. They refused to Allow me to modify my mortgage.when they sold.me to XXXX XXXX XXXX. XXXX XXXX  agreed to let me modify my loan and XXXX XXXX forced my mortgage to foreclosure I had to file for bankruptcy because they would not let me modify
Consumer complaint received 2018-12-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (TN)

I opted out of overdraft protection when I opened the account, however to my disappointment, SunTrust allowed a charge against my debit card to go through, through-by sending my account into overdraft. I not only was charged for a item I did not want, SunTrust added in a XXXX fee as my account was over drawn. 

I spoke to their fraud dept. and they asserted, " SunTrust had the sole Discretion to pay debit card charges and add a fee for overdraft, as they had " 2 '' over-draft programs?! I quickly spoke up and advised them I was NEVER advised of a 2nd over-draft program ; if I had been I would have opted out of it. 
This " 2nd overdraft Discretion '' is a fraudulent scheme they are running against their clients to assess fees against accounts. It's simply illegal and must be shut down immediately.
Consumer complaint received 2019-09-11
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Experian / XXXX XXXX XXXX XXXX XXXX, TX XXXX To Experian Dispute Department DELETE XXXX XXXX XXXX because of multiple inaccuracies. 1. In the account number sections of this listing their are 3 different account numbers reporting. XXXX is reporting XXXX as the account number. Experian is reporting XXXX as the account number. However XXXX is reporting XXXX. These account numbers are inconsistent. 2.  In the Last Payment section of this listing. XXXX and Experian is reporting XX/XX/XXXX for last payment made. However, XXXX is reporting XX/XX/XXXX as the last payment date made. These dates are inconsistent. 3. In the Date Opened section of this listing. Experian and XXXX is reporting XX/XX/XXXX for date the account was opened. However XXXX is reporting XX/XX/XXXX. 4. This is a closed account that still is reporting current activity on it. How could this be. Dont you get your reporting from the same company? Please Delete Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DOB:XX/XX/XXXX SSN # :XXXX
Consumer complaint received 2018-12-20
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. (NE)

From XXXX. They and this company never contacted me to ask anything about this bill. Its not mine. Ive asked them to prove it to me. Nothing. 

Report NumberXXXX Date generatedXX/XX/2018 print iconPrint Your Results Remains + 'icon ' Remains XXXX XXXX XXXX  Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the detail
Consumer complaint received 2023-03-09
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. (OK)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-15
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now
Consumer complaint received 2022-08-17
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. (VA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion XXXX XXXX XXXXXXXX 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 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 XXXXXXXX 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 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 XXXX XXXX
Consumer complaint received 2020-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

I received a letter from this debt collection company attempting to collect on a debt I do not owe. 

They claim to be collection on behalf of the XXXX but I have never had any accounts with the XXXX. Since I registered my car in Texas I have had a XXXX XXXX ( their competitor ) and have been in good standing with them the entire time my car has been registered. 

The license plate they have listed on the collection letter is not mine and they can't even spell my name correctly. 

I requested they validated the debt in accordance with the FDCPA and a few days later I received their " validation '' which raises more issues than their original letter. 

The statements from the XXXX they provided have different amounts than they claimed I owed in their initial letter. 

The address listed on the statements is not mine nor the address where they sent the initial letter. 

Once again the license plate listed is not mine. 

It is quite clear to me the ignored my initial response when I stated the license plate number listed on their bogus letter is not mine since their " validation '' shows the same plate number. 

At first I thought these errors were just mistakes but it is now obvious they are using deceptive collection practices in order to scam me out of money. This is a rather egregious violation of UDAAP and FDCPA. 

If they are doing it to me they are surely doing it to others. 

How much money have they made by sending fake collection letters without bothering to do some basic due diligence? 

The questions they need to answer are : 1.What steps did they take to confirm the information before violating my rights? 
2. Why are the amounts listed on their " validation '' different than their original letter? did they add extra fees before validating the charges in violation of FDCPA? 
3. With me advising them in my response and request for validation that the license plate listed is not mine why did their " validation '' list the same plate number? 
4. How do they plan on compensating me for violating my rights?
Consumer complaint received 2020-09-23
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. (NY)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2022-08-17
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. (GA)

Per 15 USC 1681G ( A ) 1, 15 USC 1681A ( 1 ), 15 USC 1681 ( A ) D ( 2 ) ( A ) ( I ) : MY RIGHTS HAVE BEEN VIOLATED AND IGNORED! 


I want this auto loan deleted from my credit report immediately. I have asked for about 1 year now for it to be removed. This is does not belong to me. It is fraud. XXXX XXXX has yet to provide verification of this alleged debt. I have requested every document they have with my name and social security number attached to be sent to me and they refuse. They have violated my privacy by sharing my personal information with other agencies without my consent, they have damaged my employment and other opportunities to extend credit, committed identity theft against me and did not provide information on how to opt out of third party sharing of my private information. This is a violation of my consumer rights. 

Delete and never repost this account on my consumer reports ever : XXXX XXXX Do not claim this is not me. I have sent my id attached as well. That is a stall tactic that you use.