davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-22
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. (NY)

On XX/XX/2019 i checked my credit score with TransUnion and i had increased with a 72 points. After i check agian as soon as XX/XX/2019 because i like to keep track of my credit score ... ..So on that date of XX/XX/2019 i decreased 73 pionts, dont understand why? So i wanted to get a anwer from TransUnion as in why i decreased 73 ponits since i havnt dont anything to effect my credit score this way Or if this was a error, if so please correct. Thank You
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This account with XXXX was a lease. This account was paid in full and A new account was opened with a different make of car. It reflected negatively as if it were just a closed account and brought my credit score down.
Consumer complaint received 2018-04-10
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (TX)

XXXX XXXX XXXX is calling me everyday about my student loan debt and harassing my wife as well everyday, when we have a high risk baby at home who needs 24 hour care and sleep. They are demanding I have to pay or my wife pay whom is a stay at home mother and takes care of our children and her sick grandmother. They yell with a threat to pay the total amount of 75,000+ dollars for private student loan debt. They are not my loan owner lender originator nothing and will not work with me just like XXXX would not work with me when I only make XXXX a year with a family of XXXX and 3 dogs. How in the world does their math equate me making any type of payment. And they keep calling me everyday telling me to make the full total payment like my financial situation changed and I just won the lotto jackpot overnight. I told them stop calling my wife, she has enough to deal with already and she did not create this debt. If you have a solution on how we can work something out I all ears but this is just ignorance on you and your company to call everyday making demands of total payment when I get paid today the same as yesterday and its enough to feed my family.
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

According to my credit report and XXXX XXXX XXXX XXXX, my student loans from XXXX ( 2 loans ) dated for XX/XX/XXXX and XXXX XXXX XXXX ( 4 loans ) dated for XX/XX/XXXX, XXXX XXXX ( 2 loans ) dated for XX/XX/XXXX : in which I was not born ; these loans were transferred to XXXX XXXX as the new debt collector for the loans mentioned herein. Since then, Ive started an loan rehabilitation with XXXX XXXX. 

Secondly, Ive disputed the hard inquiries on my credit report on numerous occasions. Around XX/XX/XXXX, 10 hard inquires were removed from my CR and on XX/XX/XXXX there were all placed on there. Ive even submitted police reports that I was a victim of Identity Theft through numerous reports and contacted lenders and Transunion/ XXXX/ XXXX continue to allow for the information to be removed and replaced back on my credit report.
Consumer complaint received 2022-07-21
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX file # XXXXXXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXAccount # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX  XXXX BANK account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to express my deep frustration and dissatisfaction with the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and multiple communications with your institution, these fraudulent entries persist, causing significant distress and concern. 

I have diligently followed the procedures outlined by your institution and the credit reporting agencies to dispute and request the removal of these fraudulent items. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the fraudulent items remain unresolved. 

It is extremely disheartening to see that despite my repeated attempts and persistence, the fraudulent items continue to negatively impact my credit file. These fraudulent entries not only affect my credit score but also raise concerns about potential identity theft or fraudulent activity. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution and the credit reporting agencies in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of fraudulent items on my credit file have left me feeling frustrated and disillusioned. 

As a consumer, I have the right to expect accurate and up-to-date reporting of information on my credit file. The repeated failures to address this issue not only undermine my confidence in your institution 's ability to handle consumer concerns but also reflect poorly on your commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my credit file, and that measures be implemented to prevent any recurrence of such fraudulent activity in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my credit file. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution and the accuracy of my credit file. I am asking for your assisstance to remove these fraud items in my credit 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 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 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/2019 Kohls Department store credit card reported that I filed Bankruptcy to XXXX. I did not file bankruptcy. I have contacted Kohls and was assured by the office of the president that the matter is resolved by a forced reset that would take 24 to 48 hours almost 2 weeks ago. I contacted XXXX yesterday and the claim that they have heard absolutely nothing from Kohls and that the bankruptcy report stands. 

My credit score has dropped by 70 points. I had intended to qualify for a home loan this month. The whole matter came from a pair of {$30.00} shoes that were purchased on black friday. I had signed up for a paperless text message billing notification. I received no billing notification by text, mail, or phone until a phone call on XX/XX/XXXX at which time I paid the bill in full including almost {$100.00} extra in late fees. Later that day I phoned Kohls and my account was credited {$30.00} for some of the late fees since I was not notified of the bill and I am never late with a payment. The next day my credit report showed a bankruptcy. 

This report is entirely inaccurate and is damaging my family well being. I have spent hours on the phone with both Kohls and XX/XX/XXXX. I have documentation of the credit report. I can supply images of text verification of the paperless billing confirmation and the subsequent lack of any notification via phone records.
Consumer complaint received 2018-04-21
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC. (MI)

Upon my review with the Secretary of State my findings are that XXXX XXXX XXXX XXXX and XXXX XXXX  are NOT licensed, nor bonded to collect a debt in the state of Michigan so therefore no debt is owed, nor have they shown validation to this debt. I would respectively appreciate deletion of said items. There was another company reporting falsely on my Credit Report named XXXX hopefully they removed from all three reporting bureaus as indicated in letter sending, someone upon billing selected the wrong XXXX XXXX none of my children require pediatric care my baby is XXXX years old. Also I paid three collections off reporting by XXXX XXXX XXXX XXXX XXXX these were small hospital bills that were in violation of my HIPAA Law I want the derogatory reporting removed. As well I have sent several letters to XXXX XXXX asking that their false reporting of late payments be removed, I was late thirty days, not 60 upon their realizing their mistake the employee filed a dispute by his own accord trying to right the matter, however the report still shows inaccuracies. As well my report reflect inquireies that were not authorized, please remove all except those ( belonging to me ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX are mine, I have been disputing causing my score to plummet trying to get items addressed and removed, with no respect to my plea, my frustration or my time. Credit is a respected privilege wisdom is the best teacher. Frustrated consumer, thank you.
Consumer complaint received 2022-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I was going over my credit report please remove the following addresses they are not mindsXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX.

My real address is XXXX XXXX XXXX, XXXX  OH XXXX.

My current employer is XXXX XXXX.

My Name is XXXX XXXX XXXX please remove any other variations.
Consumer complaint received 2018-10-10
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. (NC)

In XX/XX/XXXX, I contacted Experian about accounts on my report that are in error, Experian investigated and stated that the accounts were verified. I sent a letter requesting the Method of Verification in XX/XX/XXXX. Experian failed to send me a method of verification. I made another request in XXXX for the method of verification, Experian failed to provide me with the method of verification. I sent an additional request for the method of verification in XXXX, Experian yet again failed to send me the method of verification of how the accounts were being certified as being accurate. I sent a letter to Experian in XX/XX/XXXX telling Experian that because they had failed to provide the method of verification that I was telling them to remove the accounts and I would be filing a complaint with the CFPB, yet again Experian responded with a credit report stating that accounts were certified as being certified, and completely ignored my request.
Consumer complaint received 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX file # XXXX XXXX  account # XXXXXXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXXccount # XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXAccount # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXXXXXX account # XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXL account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Consumer complaint received 2019-03-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: First Investors Servicing Corporation, Atlanta, GA Branch (IL)

On XX/XX/XXXX I entered into a contract with the car dealership, XXXX XXXX XXXX in XXXX Illinois an the finance company, First Investors Financial Services. 
I began having issues with the car breaking down right after the warranty period had expired. The starter replaced, the alternator replaced, it kept blowing tail light bulbs due to bad wiring etc. It got to the point I could not afford to keep putting money into the car and to make the car payments. 
In XX/XX/XXXX I called an surrender the vehicle. They came an picked up the vehicle in XX/XX/XXXX. 
Have not heard a word from the car dealership or the finance company until today, XX/XX/XXXX, when I received a summons to appear in court. 
I believe they have neglected their duties and failed to notify me when the vehicle was sold. They haven't made any attempt to try an collect this debt any other way except to wait almost 18 months an out the blue decided to take me to court. 
I believe that XXXX XXXX XXXX in XXXX Illinois along with First Investors Financial Services of XXXX Ca. are practicing predatory lending activities.
Consumer complaint received 2022-01-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (VA)

Signed up XXXX XXXX with XXXX XXXX XXXX for dogs care. Had payments taken from checking account each month until XXXX of XXXX. Was paying {$44.00} monthly. Twice they increased but never notified me. I only saw the increase when checking my statements. Then I would call to let them know that I couldnt have this do this because Im on a set income. I called to cancel XXXX of XXXX was told I couldnt cancel. So I kept paying. Calling back I was told have to call XXXX moths before plan renewal, so I did. My pets lat visit was XXXX XXXX XXXX. So I called to let them know that I wanted 2 cancel plan being that I had to notify them XXXX months in advance. I have been talked 2 so rudely each time I tried to get someone to understand that I could no longer afford to keep plan and pay. They talked over me and told me there was no one that was over them that I could get any help from. I male even told me what not to say to they person he was transferring me to. I continued to pay {$260.00} from XXXX XXXX until XX/XX/XXXX. I never received any corespondents from them. Then a letter from collections, stating they received a bill that was a 120 days pass due for {$130.00}. I called back to XXXX asking where was the money that was paid to XXXX by my bank. Young lady asked when was that paid as if she had no record of that. At this point and time the collection amount is {$310.00}. That would be twice the amount of & XXXX plus the collection fee of {$47.00}. I have asked where is the money received from bank that would have taken care of the collection fee {$130.00}. I paid XXXX without any problems except when they put through increases. Iihave been informed I was paying double for shots that all dogs only need on each year But the worm exams are taken twice a year. Even with paying automatically I still paid out of pocket when they would say she needed something else when they had me to drop pet off I had to tell them not to do anything extra until they spoke with me This what they didnt like when I wanted to know what dog needed that my plan didnt over. They began to start treating me differently when I would go in or call in. Then they stopped giving me printouts of services rendered. When I called IC System about the collection, I was given the total {$31000.00} and the bill will be put in for a Judgement on XX/XX/XXXX. They stated could settle for {$200.00}. But I keep asking where is the money paid to XXXX from bank That would pay the only bill received as the amount due & XXXX. XXXX never sent bill tome until it was sent in for collection. 

I will appreciate all that will keep this from gong on my credit. Sincerely, I Thank All!,
Consumer complaint received 2024-02-29
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. (CA)

I have been trying to get help with this issue for over XXXX year. A previous creditor " XXXX XXXX '' continues to provide erroneous information in regard to my credit report and they refuse to update my report with accurate information. On my report you will see that in 2018 there was a bankruptcy listed on my credit report. XXXX XXXX was actually apart of the bankruptcy so they are well aware that they are breaking the law by continuing t report the account as charge with continuous lates still to this day. This is drastically affecting my credit and has caused sever unrepairable financial harm. 

XXXX, or negligent non-compliance, XXXX XXXX. XXXX. Claims of willful non-compliance carry possible statutory damages of {$100.00} to {$1000.00} per violation, attorneys ' fees, and unlimited punitive damages. 

I am also instituting my rights under FCRA XXXX, I would like all documents related to this account. I am entitled to all documents related to each item, including each original credit application and contract containing your signature. 
Attached you will see proof that they willfully followed the bankruptcy order and then started to report the erroneous information consistently for the last XXXX  years. 

The accounts in question are XXXX XXXX account number XXXX, this account should be reporting XXXX owed and no lates. 

Furthermore, you will see the list of previous disputes attached and also proof that they are purposefully reporting erroneous information. 

You will see that you have failed to respond on several occasions to an appropriate investigation.
Consumer complaint received 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act, XXXX XXXX Acct # 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
Consumer complaint received 2020-12-15
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: Experian Information Solutions Inc. (SC)

IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.