davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion Account Number : To whom it may concern, : I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. The following alleged account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$230.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 

According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please immediately remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion. 

Thank You
Consumer complaint received 2022-12-04
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. (MI)

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. 

Account name : XXXX  XXXX  XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 a 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 2022-05-04
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)

These inquiries are fraudulent! I respectfully request to be provided proof of these alleged items, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate, and as such represents a very serious error in your reporting. Ive also filed a police report and attached a FTC report as i have no idea where these inquiries came from. The FCRA also states any fraudulent information being reported on any individuals credit report must be deleted expeditiously. Please respect my wishes as Im a victim. Thank you.
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2018-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (WI)

I had a credit card account with BBVA compass bank which was opened in XXXX. 

1. There was a {$93.00} outstanding balance on the card in XX/XX/XXXX, for which I did not receive a bill and which BBVA compass posted as a late payment on my credit report. 

2. The outstanding balance only came to my attention following the damage to my credit report. At this point, I wrote a check made out to " XXXX XXXX '', as per the instructions of the bank 's collection department. The amount of {$93.00} was deducted from my XXXX XXXX XXXX Checking account on  XX/XX/XXXX. 

3. My credit reports were fixed to reflect that my BBVA compass account, which was a " Failure to pay '' had been updated to " paid as agreed '' status. 

4. In XXXX, XXXX and XX/XX/XXXX, I received emails from BBVA compass stating that my online bill was ready to view. 

5. I had earlier called compass bank and asked them to stop contacting me. The person on the phone could not confirm that the account was closed and was unable to acknowledge that I had paid the outstanding balance of {$93.00}. 

6. If I do not stop receiving unwanted email contact from BBVA compass, I will consider it email harassment and seek legal recourse in accordance with the laws of my state.
Consumer complaint received 2024-03-06
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2022-12-06
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. (VA)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion let XXXX XXXX put a derogatory collection on my credit report in XX/XX/XXXX without my written consent under 15 usc 1681b ( 2 ). I disputed it on XX/XX/XXXX and they deleted it XX/XX/XXXX.
Consumer complaint received 2022-10-10
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 Balance : {$73.00} XXXX XXXX XXXX Balance : {$82.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX ( Original Creditor : 07 XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX AXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-10-08
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. (MO)

This is NOT a Duplicate Report and this is NOT filed by a 3rd Party or Credit Repair company. The accounts below have violated my rights In accordance with the Fair Credit Reporting Act XXXX. I have all rights to privacy and I didn't give written consent to furnish these accounts on my credit report. 

Account XXXX : XXXX. Account XXXX : XXXX XXXX. 
Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX NA Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX XXXX. Account XXXX : XXXX XXXX. 
Account # XXXX 15 U.S.C 1681 Section 602 A. states that I have a 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 consent.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AL)

The Dept. of Education keeps reporting different information multiple times across multiple credit reporting agencies. The same loan is reported twice on all reports. The two loans are being re-aged every other year too. These loans are from XXXX from a school that closed, changes hands, and turned out to be a scam.
Consumer complaint received 2021-06-13
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOANS OR LEASES 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX CO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (LA)

I am a servicemember stationed on XXXX XXXX Louisiana orders and have been here since 2022. American Express is not upholding the Louisiana XXXX which drops your interest rate to between XXXX %. I have done the Louisiana XXXX with multiple other banks with no problem, but the AMEX representatives I talk to seems to be unknowledgeable about the LA XXXX. This is the source that I've used with all my other banks : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-26
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. (CA)

Back in XXXX of 2018, I needed to pull my credit report for an application for a new home lease. I pulled this through TransUnion. They charged me XXXX because I pulled My wife 's also. That was fine because I needed to get it done. I recently stopped using using my credit cards and have been really trying to improve my credit score. I noticed my credit card balance go up even though I didn't use it. After checking into it Trans Union has been charging me {$19.00} er month for the past year!. I XXXX  this and this is a scam that they are pulling on 1000 's of people! I called TransUnion and spoke to them and they tried telling me that this was a service that I signed up for. A service that would help me monitor my credit. Well in fact if this was true, I asked then why didn't I get emails from them about my credit changes in the past year? I get them for free from XXXX XXXX! 
I canceled this 'service '' and the {$19.00} monthly fee. 
All seems good now BUT within 3 days of me doing this they dropped my credit score 15 points! 
According to XXXX XXXX They dropped my score 15 points and there were 4 changes that TransUnion reported to my credit report : 1st change - Paid off a credit card that had a {$160.00} balance 2nd Change - Reduced a balance on a credit card by {$340.00} 3rd change - Reduced a balance on a credit card by {$130.00} 4th change - Reduced a balance on a credit card by {$9.00} I did not add any credit, inquiries or negative items. 
I paid down my credit balance by {$650.00} yet my credit score dropped by 15 points!!!! 
Clearly TransUnion is penalizing me because I canceled their scam payment of {$19.00} This company needs to investigated, forced to refund, change their policies, penalized and or be forced to shut down. 
They are praying on lower income and poor credit consumers who need to use their services.
Consumer complaint received 2022-12-04
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I have XXXX Chargeoff accounts on my credit report ( XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX and XXXX XXXX XXXX ). I have made several attempts to dispute these charges because when i called the collection agency ( XXXX XXXX ) they very first told me i was no longer obliagted to pay and try to settle the debt and sent me formal letters of deletion in the mail. However, i can not find these letters. That was XX/XX/XXXX. Just recently on XX/XX/XXXX i attempted to call XXXX XXXX  because this is the address that shows up on my credit report as lender info however the representative told me there was no record of collection agency that it was sold to and that it normally sells to XXXX XXXX  so i called there. The representative at XXXX XXXX XXXX, when i gave her my social said that there is no information on file coming up by my social and that i would need to contact the legal department there on XXXX  morning. i should not have to carry around debt that i am not able to settle because my accounts can not be found anywhere
Consumer complaint received 2022-10-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (LA)

On or about XXXX XXXX, 2022 I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX LA. and financed the vehicle with Ally Financial. As part of the financing I purchased GAP warranty coverage from XXXX XXXX and the purchase was included in the financing contract. 
On or about XXXX XXXX I refinanced the vehicle with XXXX XXXX XXXX XXXX and as part of the loan offer I was required to purchase the GAP coverage that was offered by that lender. I did purchase their GAP coverage and provided XXXX XXXX with written confirmation of the cancellation of their GAP coverage with was countersigned by a XXXX  XXXX representative and was told I would receive a refund for Approximately {$770.00} and that a check would be mailed to me. After several weeks I contacted XXXX XXXX as I had not received anything and was told that the refund had been sent to Ally Financial and they would forward the money to me as I had paid the loan of at Ally. 
After not recieiving anything from Ally nor any communication I contacted their customer Service and was informed a refund would be issued to me but it would take as long as 70 days to process, I informed them that was not acceptable and was eventually connected with a supervisor who escalated my case to their " Executive Resolution Team ''. In late XXXX I was contacted by a representative from team and promised a resolution in days. On XXXX XXXX I was again contacted by that team member and told a check had been mailed to me on XX/XX/2022 and they now considered the matter resolved. 
After no check arriving within two weeks I again contacted Ally customer service and was told by the representative that they had no record of any payment being made to me.And they had no idea when I would receive a payment.
Consumer complaint received 2022-10-09
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. (KS)

I have called the Credit Bureau ( TransUnion ) and notified them of Fraud and theft of my identity. An inquiry was placed on my TransUnion ( XXXX ) on XX/XX/2021 that I did not authorized. I notify TranUnion and also Summited vailed documentation to support these claims. I was told nothing could be done about it.
Consumer complaint received 2023-02-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

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 Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-26
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. (AL)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - I submitted a dispute to Transunion to delete the inaccurate information from my credit report. As of today ( XX/XX/XXXX ), XXXX continues to break the law by reporting erroneous, unverified, and inaccurate information on my credit report. I am writing specifically about the XXXX XXXX collection on my credit report and XXXX XXXX. XXXX and XXXX are collection companies and not a factoring company ; thus, I have no contract with this company. Further, this company has not proved they own the debt ( as they would have to do in a court of law ). Statements with my name are not " proof '' they own the debt. Moreover, XXXX continues to use " XXXX '' and refuses to do perform a proper investigation. TU continues to ignore the incorrect information s I've sent letters to XXXX and they have failed to validate the debt. The account is reporting and listing " a past due '' and collection accounts can not report payments or list " past due amounts on credit reports ''. Listing a past due is a violation of FCRA - and listing a past due on a collection denotes payment history ; thus, how can a collection be past due? It either has a balance or it has no balance ( it can not be also past due ). Further, the account is listing terms - how can a collection account list terms? I have no agreement with this company. I would like this account deleted from my credit report based on violations of FCRA and FDPA. According to XXXX versus TU - the burden of proof is on the CRA and simply calling something verified is not proper FCRA investigation. Sincerely, XXXX XXXX