davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In XXXX of XXXX, I contacted XXXX XXXX about a charge that I was 2 days late. The payment showed submitted on my end, yet didn't complete on theirs. As I am in the XXXX XXXX I know how this can happen. I was told by XXXX XXXX that if I paid ( this was 2 days after ) they would refund the late fee and all would be well. I was told to pay over the phone. I did so. As I don't ever use this card and haven't for years, I normally do not look at the account every month. 

In XXXX of XXXX, my credit report was pulled. As a result of my credit score, the lender did not offer a favorable interest rate. When asked, they said my score wasn't that good, and I had a 60 - 90 late note. I was shocked. 

I pulled my credit and saw that once again XXXX XXXX was the reason. Although I had been told back in XXXX, the problem was paid for and fixed, it was not. I complained and after a few minutes a Supervisor refunded everything back to XXXX XXXX, even the interest. 

I filed a dispute with both TransUnion and XXXX. These people did not do their diligence to investigate the claim. I was immediately told via writing, that the credit report was true. I sent pictures of the account which showed a XXXX balance, as well as the reversal of charges all the way back to XXXX XXXX. Even with all this evidence the " investigation '', was deemed to be correct. In other words I am lying. 

I have suffered because of this, I have received a less favorable interest rate on a loan, based off of this information. I have tried to contact all three parties involved only to be told that " the report is accurate ''. Well I would have to say that if they looked at my screenshots and actually investigated this, it would show that this was not correct. 

I have screen shots of the account, credit reports, etc. I will also be filing with the FTC, as this is incredibly wrong to do to someone. I am not sure when their last compliance audit was, but based on this, I would say they are overdue for some oversight. 

Thank you for your help in this matter, and facilitating this complaint.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2020-12-23
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Tebo Financial Services, Inc. (SC)

I leased a XXXX XXXX XXXX  from XXXX XXXX XXXX in XXXX of XXXX and I was having problems with the vehicle so I gave the vehicle back to them in XXXX or XXXX of XXXX. They sent me a payment plan letter in XXXX of XXXX but when I called them to accept the payment plan they then retracted and told me that I had to pay the full {$10000.00} that was owed even though this vehicle was repossessed and sold in XXXX of XXXX.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reported to Trans Union and XXXX  that XXXX XXXX incorrectly reported a missed auto loan payment on XX/XX/XXXX. This is incorrect as I traded the car in on XX/XX/XXXX and included documents proving the loan/car was no longer my personal responsibility after XXXX, XXXX, XXXX.
Consumer complaint received 2023-07-05
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. (NC)

I am writing this dispute for a second time and demanding that this item be investigated and removed in its entirety, immediately. This matter has already been addressed, and is in clear violation of the Fair Debt Collection Practices Act, 15 USC 1692g, however this third-party creditor is still illegally reporting invalidated information to all three major credit bureaus ( Transunion, XXXX, XXXX ) constituting fraud under both Federal and State law. 

This is a direct violation of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and Defamation of Character. This incorrect information being listed on my consumer reports is resulting in application denials, causing me financial stress and hardship.
Consumer complaint received 2016-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I previously disputed an item appearing on my credit report as identity theft. Experian has not gone through the proper steps of validating the alleged debt. I have been a victim of identity theft and this account is not mine. I have previously provided a police report and have attached it again. I have also attached an identity theft affidavit. 

The disputed account is : XXXX XXXX - Acct # XXXX .... 

I have sent a previous complaint to you from CFPB, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that this account is inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the item properly. My previous letter -- from CFPB -- stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX XXXX, TX for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (PA)

I disputed items I feel is not correct with LexisNexis in return the said the items was correct then I in return I asked them was there method of verification and refused to share that information with me. I then send out another letter asking for the method of verification on XX/XX/20 they received it on XX/XX/20 and have failed to respond which I feel is a violation of fcra
Consumer complaint received 2023-03-25
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. (NY)

In accordance with the Fair Credit Report Act XXXX, Account # : - 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.
Consumer complaint received 2023-07-18
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. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 2023-07-18
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. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be validated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

Hey I was taken advantage of due to non-practical laws being broken due to XXXX by your company. This is causing financial injury. This destination of character. I can't get a job. I can't apply for credit. Hey I can't even get a loan due to this pandemic under this crisis. It bureaus hurt my ability to obtain credit. I sent in the letters on XX/XX/2021. Then I sent in the next letters on XX/XX/2021. They fail to send me a notice within 30 days. This is against the law.
Consumer complaint received 2018-02-04
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: LEXISNEXIS (MI)

Went to XXXX XXXX XXXX to obtain a loan, and someone else was able to use my social security number. LexisNexis provided information on two individuals with the same social security number.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

They charge me wrong amount some of them they never send me the credit card still sharing my information and sell it its ruining my life cant even rent the house to live because of them I try call them to get the original bill and the letter they send to me o top of I never give them permission to use my name or sell without my consent
Consumer complaint received 2023-03-25
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. (TN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I previously disputed these inaccurate accounts below and transunion to be specific keep sending me and my wife computer generated stall letters which i will attach basically stating they will not investigate my disputes because they assume i didn't authorize these disputes which is false and preventing housing and job opportunities for me and my family which is damaging on so many levels which is negligent and noncompliance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 U.S. code 1681 ( e ) ( b ) and U.S code 1681 ( i ) these accounts are in violation and not reporting 100 percent accurate. 

Accounts Being Disputed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NE)

Synchrony Bank closed my account stating it was due to the number of credit lines open. Apparently they run soft credit checks even when your balance is zero and you have not requested any credit. I had received an offer of 12 months no interest. I paid the entire balance off within the 12 months and currently had a zero balance when I received the alarming email saying they were closing my account. I had not asked for any credit so there was no reason to run a soft credit check. I work in customer service and finance so I called them to ask for some assistance. I spoke to three supervisors all of which repeated the same scripted response the company has set forth for them to provide. None wanted to look into the matter further or even look at the fact that I was a good customer and had not asked for any recent credit. While it may be in the fine print, it is a violation to run soft checks without the knowledge of the customer especially when the customer is not asking for any credit.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

RE : Account Numbers : XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX submitting this requsest in regards to my initial dispute to the credit bureaus ( TransUnion, XXXX and XXXX ). I submitted a request for validation for account numbers : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX ) I did not recevie a response back from neither credit bureau, after reading over my consumer laws I've determined that this is a FCRA violation and and Im requesting for immediate deletion of both accounts becuase its past XXXX days and the bureaus have not responsed and also the following information was not provided. 

I requested each bureau to provide me with the following : What the money XXXX XXXX and XXXX XXXX XXXX say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor, as the original credotr listed is just " medical '' Prove the Statute of Limitations has not expired on this account. 
Show me the you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent or Agent of Service. 

Also, its has been XXXX days and no comment and/or remark have been made to my XXXX report under account number XXXX to acknowledge my dispute. Per the FCRA ; Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. This is yet another violation and grounds for immediate deletion.
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (MO)

Experian closed this complaint with the longestttttttt explanation that is so ridiculous its not even funny AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2023-03-25
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: CITIBANK, N.A. (RI)

unauthorized inquiry XXXX XXXX XXXX dated XXXX XXXX unauthorized inquiry, CITI CARDS CBNA, XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX XXXX XXXX XXXX unauthorized inquiry, XXXXXXXX XXXX XXXXXXXX, XXXX unauthorized inquiry, XXXX XXXX, XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX XXXXXXXX unauthorized inquiry, XXXX XXXX XXXXXXXX XXXX XXXX have communicated on numerous occasions that i NEVER have given my written consent to perform any credit check or look at my credit report. they have corrupted my privacy and hurt my credit score, I want these inquiries removed at once.
Consumer complaint received 2022-10-14
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: EQUIFAX, INC. (GA)

I have submitted over XXXX letters to the credit bureau and nothing has happened I feel humiliated and frustrated now the lender ( XXXX XXXXXXXX XXXX ) has sent me a letter to have XXXX XXXXXXXX blocked and removed from my file they request the removal and so do I of the account immediately! I have attached proof this is me XXXX XXXX not a third party
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I informed the company that I did not apply for a loan of no sort and that I am a victim of identity theft. The company then assume that I gave permission over the phone for a nephew to cash a check or get the loan in my name. First of all, I am not going to give anyone permission to use my credit being a victim of identity theft and over the phone id definitely insane.
Consumer complaint received 2021-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX and XXXX  continue to report a debt that is not mine. I have reached out to them previously and the account was deleted and now its back on my report. According to 18 USC 8 debt is the obligation of the United States. Furthermore under 15 USC 1681 ( a ) ( 4 ) a consumer has a right to privacy. Even if the account was accurate it shouldn't be furnished without my consent. 1681 ( b ) ( 2 ).
Consumer complaint received 2019-09-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (SC)

I called XXXX XXXX XXXX and disputed alleged debt. I also sent a letter which was written in XXXX and ask them to verify assumed debt. When I spoke with them and provided varied discrepancies, they kept on pushing. It was just too much, so much so that I told them to refrain from calling me. The calls were too much. 

After writing said letter, I am still waiting on the above named credit agency to verify assumed debt. I have received no correspondence from them as it relates to verifying assumed debt.