davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-23
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. (UT)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2018-10-02
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. (DE)

I leased a new car at XXXX XXXX on XX/XX/XXXX. I turned in my existing lease which was paid up to date. I started a new lease with a first car payment of {$450.00} due XX/XX/18. I was told to leave a check at XXXX XXXX for my XXXX payment. I did. Fast Forward to end of XXXX when I receive a collection call saying I never made my XXXX payment and I was delinquent on my lease. I had to pay 2 car payments to catch me up. I contacted XXXX XXXX 3 times over the phone and twice in email and never received a response from my sales person or the finance department. I reached out to XXXX XXXX XXXX on XX/XX/18 hoping for some help. I was contacted by their representative who said that she could not help with this issue but would contact the dealership. I still have not been contacted by the dealership. I would like the delinquency removed from my credit report.
Consumer complaint received 2019-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

SOUTHWEST CREDIT SYSTEMS IS PUTTING AN unverified item that remain on my credit report in violation of Federal Law. SOUTHWEST is 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 and subsequent re-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 ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. .. I HAVE NO CONTRACT AND NO CONTRACTUAL OBLIGATIONS TO ANY OF THESE NEGATIVE ACCOUNTS! REMOVE THESE COLLECTIONS FROM MY CREDIT REPORT IMMEDIATELY AND PERMANENTLY. 
The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2023-01-27
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. (TX)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: NAVY FEDERAL CREDIT UNION (CA)

In XX/XX/2020 I paid off my vehicle loan and requested my title. Navy federal sent my title to a person in Texas who I have no relation to. I dont know the person, never met him. I called and they said it was their mistake. It is now XX/XX/2020 and I have yet to receive the title for my car and no one has contacted me updating me on progress with my situation. Every time I call they push me around and I get no help or answers. 6 months driving around with another persons name as the owner of my car that I paid for. I am a XXXX woman and driving under those circumstances are dangerous. Also I am unable to sell my vehicle or register It in another state. No one is helping me. This is unjust and navy federal is showing a lack of sympathy and responsibility.
Consumer complaint received 2021-03-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On several occasions I have contacted all 3 credit bureaus and I have asked for late payments to be removed because payment was lost in mail for XXXX and XXXX pay.ents 2017 so O should have only 1 late payment over a 5 year period with the auto loan. I spoke to a representative from XXXX XXXX and was told that my account would be updated to this day it has not been. Also they are reporting last payments as 4 months ago etc showing balances never going down etc, I have added remarks to my credit file which is a direct dispute under FCRA requirements
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX bank # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2019-09-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NPAS, Inc. (FL)

My name is XXXX XXXX, I am the responsible party for my son 's medical expenses, his name is XXXX XXXX XXXX. I receive and pay all his medical bills. 
I recently received a letter from NPAS, Inc. which I thought was a scam since I never received a bill with the service date mentioned in the letter. 
I called NPAS, Inc. to request a copy of the bill or statement, but NPAS couldn't provide this document. 

I XXXX  the phone number for XXXX XXXX XXXX XXXX to follow up. Today, XX/XX/2019 I called XXXX XXXX XXXX XXXX to make sure this letter was legit and request a copy of the bill/statement. The representative said she will mail it to me but my account is already in collections. According to this representative, XXXX XXXX XXXX XXXX sent me a bill back in XX/XX/XXXX and then my account was sent to the debt collector, NPAS. She verified that the XXXX XXXX makes ONE attempt and then the accounts are sent to collections. 

I am willing to pay my bill, just like I pay every single bill. But, since I didn't receive the ONLY statement XXXX XXXX XXXX XXXX sent me, now my credit score will be impacted. 
The account number on the letter from NPAS, Inc is XXXX. The letter was sent my son XXXX XXXX XXXX to my address XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX Thank you in advance for your help.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I request that these fraudulent items be deleted from my credit report at your earliest convenience. I have a security freeze on my accounts, which should have alerted me before my credit was run. I did not receive any notification or alert to my credit being run for these accounts, which is concerning. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit regarding this incident. In addition I have attached a PDF document reflecting all items that were found to be unauthorized.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I contacted the credit bureaus XX/XX/2023 and informed them I am a victim of ID Theft and there are addresses and accounts listed on my credit file that I've never lived at. 
The following addresses are listed inaccurately on my credit file XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX
Consumer complaint received 2024-03-07
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. (OR)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2019-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

In XXXX of 2019 my account was transfered from XXXX to LoanCare for servicing. I paid my first payment in XXXX by my XXXX billpay in the amount of {$1700.00} which cleared my bank XX/XX/XXXX. 
LoanCare did not record this payment and said I missed a payment. I called and emailed eventually it was recorded. 
I made my next payment on XX/XX/XXXX in the amount of {$1600.00}. LoanCare did not record this one and said i was behind in payments. I called and emailed and it was recorded after about a month. It had cleared my bank on XX/XX/XXXX. 
My XXXX payment was attempted on their online site in the Amount of {$1700.00}. It was not recorded although it cleared my bank on XX/XX/XXXX. I called and emailed and it has still not been recorded. 
For my XXXX payment, I sent a manual check # XXXX in the Amount of {$1700.00}. It cleared my bank on XX/XX/XXXX. Again it has not been recorded and LoanCare says I am behind in payments. Again I have called and this is yet to be resolved. They say I owe a late fee ( all payments have been made in the alloted time ). They have also reported to the credit bureaus that I have missed payments. I have asked that these be corrected and they have not. 
LoanCare is not being responsible.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

My Identity was stolen. A Capital One Credit Card was opened fraudulently in my name. I did not open the account or make the charges. I have contacted Capital One several times. I have sent a certified letter with information they requested. I have followed up with company by phone. Capital One will not give me any information about charges or how the account was opened. The information Capital One says is there proof is ; my information that was stolen, an old phone number not belonging to me for several years and a bogus email address that I am sure goes to the person who stole my Identity. 
The first idication that my Identity was stolen was a fraudulent change of address that the post office has record of being fraud Late XXXX of XXXX information is with the Postal Inspector XXXX. I then started a file on Identitytheft.gov. I have closed several accounts opened online, every bank was helpful and understanding until Capital One. After countless hours spent on the phone and submitting all the information they have asked for they have turned me over to collections with XXXX XXXXXXXX XXXX. I let XXXX XXXX know these were fraudulent charges and sent over to them the information needed to prove fraud.
Consumer complaint received 2023-03-17
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. (GA)

I am stressed and disappointed that my credit report was misused and I have been violated. I was apart the breach when the XXXX and Experian got sued so I thought my information was protected moving forward. Thats makes me scared over the privacy of my information. As I was trying to purchase a home I discovered how I have been violated again. This is defamation of my character and putting me and my family 's livelihood at risk from buying a home. So I immediately did research to educate myself and enforce my federal consumer rights so I can moved forward in my life. As the consumer financial protection bureau I ask you to help me exercise my rights IMMEDIATELY! I have several fraudulent accounts on my credit report that should not be there. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Congressional findings and statement of purpose, my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. I am coming to you all so help me solve this matter with the credit reporting agencies. They are neglecting my consumer report.

There are damages on my consumer report that is causing financial and psychological stress. According to, 15 U.S. Code 1681n ( 1 ) ( a ) ( b ) - Civil liability for willful noncompliance, I have the right to sue for up to {$1000.00} per damages for being under false pretenses and not knowing about how my information has used in the breach and the negative accounts that is on my consumer report. I know my rights!! Attached you will see the disputes I am sending to all the credit reporting agencies. REMOVE ALL THE DAMAGES FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (GA)

American Express # XXXX is reporting lates in XX/XX/XXXX and XX/XX/XXXX. I was never late. What happened was that I had paid them online and did not realize that the payment had not gone through until they sent me a notice about it after the two months, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.
Consumer complaint received 2019-09-23
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 # XXXX is reporting lates in XX/XX/19 and XX/XX/19. I was never late. What happened was that I had paid them online and did not realize that the payment had not gone through until they sent me a notice about it after the two months, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.
Consumer complaint received 2019-09-23
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. (GA)

XXXX XXXX # XXXX is reporting lates in XX/XX/19 and XX/XX/19. I was never late. What happened was that I had paid them online and did not realize that the payment had not gone through until they sent me a notice about it after the two months, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX # XXXX is reporting lates in XX/XX/19 and XX/XX/19. I was never late. What happened was that I had paid them online and did not realize that the payment had not gone through until they sent me a notice about it after the two months, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.
Consumer complaint received 2021-03-07
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. (DE)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2020-06-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (FL)

On XX/XX/XXXX I purchased a livingroom set and tv stand for {$1600.00}. I applied for credit at that time for an agreement of {$70.00} weekly. This was a loan through Acima. Early pay off of the loan meant I would avoid any interest in extra interest. I entered this agreement knowing that we would have the money in time to pay this off as soon as we had money from our closing. We closed on our home in XXXX RI the week of XXXX XXXX. I then received a wire for the proceeds within a few days of closing. The date I called on XX/XX/XXXX to request pay off amount through Acima Credit. I  authorized payment in full from my XXXX XXXX account {$1000.00} which is what I was quoted as being my balance. This money withdrew from my account on XX/XX/XXXX. This was the last I had dealt with this obligation and understood my loan to be satisfied. 

On or about XX/XX/XXXX ( YES XXXX ) about 3 months later, I received a call from the collection department at Acima Credit. They stated my account was in arrears over {$1000.00}! I question the person on the other end thinking someone had stolen my identity and that I was dealing with an internet scam of some sort. I was very very confused and hurried up and changed passwords. This person stated that I had missed one of the Payments of {$70.00} and that the loan after I paid the {$1000.00} didn't satisfy my loan obligation and that due to their cycle and accrued interest I know owed this astronomical amount of money. I had the weekly payments being paid from another account out of state and when I had called up for the pay off I assumed that the amount she was giving me was including all payments. But from the discussions, I have been explained to that I am being held responsible for a line of credit in which I didn't take hold of. IN my mind I have satisfied the loan. If the representative didn't give me the correct amount of the pay off how is that my responsibility? I will be more than glad to pay the {$70.00} that was not disclosed. however, ACIMA wants over {$1200.00} or my furniture to be returned. I am concerned that this will affect my credit and I am nervous wreck they are going to seek legal action. Please help. I have requested help from the supervisor " XXXX '' that was not agreeable and did not have the capacity to pull phone calls and or take corrective action to reverse the charges I had incurred and let me just pay what I originally owed. The way Acima wants me to pay is that I pay almost double for the furniture I originally bought.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies. I was victim of Identity Theft, somebody stole my personal information to open credit cards.