davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-02
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. (DC)

I have submitted various complaints regarding XXXX XXXX an erroneous item on my consumer report. I would like to point out a few violations that both XXXX  and XXXX and TRANSUNION has violated. First after disputing the alleged debt documents was received that show that my personal identifying information was shared with third parties which is identity theft per 12 CFR 1022.3h as written consent was not given to none of the aforementioned Corporations. In addition as mentioned before the debt collector violation 15 USC 1692c ( a ) when they communicated with the consumer with consent. However to close this out and to point out the violations of XXXX  and TRANSUNION they are as follows.

Per 15 US Code 1681a ( 2 ) ( B ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; is to be excluded from your credit report. 

Per the FCRA 15 USC 1681b ( a ) ( 2 ) - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

This is my written instructions to remove the erroneous XXXX XXXX account from the credit report and credit file.
Consumer complaint received 2019-05-31
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. (MA)

XXXX XXXX  on XXXX XXXX reported late payment to my wife 's and my credit history. Actually we are not responsible for the late payment. As per the deal the dealer gave they were supposed to pay the first two payment : the one that you pay during the signing of the lease and the second one which is the one that will be officially billed by the finance department. Dealership forgot and I came to know about this when I went online to pay my bill from XXXX XXXX which I am supposed to pay. The dealership owned up the mistake and paid the one they had to pay. XXXX XXXX refused to update the incorrect credit reporting and asked me to submit proofs for all this. I called in created a ticket with customer service and submitted the required docs. Processing time is 6-8 weeks and they don't send you an email with decision you have to keep calling and they will just close it after they make a decision. Since XX/XX/XXXX to this date XX/XX/XXXX I have opened multiple tickets with their customer service. Each time they bring up new issue with the documentations. ie lets say there are five things they wanted in the body of the letter they tell one each time they reject. And finally, one of the customer service agent himself dictated the body of the letter to me so that the dealer can print this in their letter pad and then I can submit it. Now they rejected that also. The dealership clearly states that it was their fault etc but they just will find new issues all the time. As I am typing this the customer service agent I am working with is trying to come up with new wording to cater towards the new rejection reasons from XXXX XXXX They are just so painful and so irresponsible. I am not sure why they have to do this even when their own customer service agents says they can not figure the reason why they keep rejecting the letter or the plea to correct the incorrect credit reporting. 

Now latest rejection reason which they didn't tell when they rejected before is that they want the dealership to put in the letter why they made a late payment and why they are agreeing to pay it on my behalf. 

Similar is my experience with another ticket I have with them. I got a parking ticket and I paid on time. They paid it again after I paid it without consulting me. And now they have not recouped the money from the city for months now and I will have to pay the same amount again to XXXX. 

Their investigation takes more than 30 days, I am not being notified of the results, there is difficulty submitting or get details of a dispute etc. I need somebody to help me. They make you feel helpless. Because of this incorrect reporting I got rejected for my wife 's student loan refinancing and finally when we got a refinancing we got a lower rate than we should have as because of all this my credit score went down from 800s to lower 700s.
Consumer complaint received 2024-02-18
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. (GA)

I WENT IN TO BUY A CAR WHEN I WAS ALREADY PREAPPROVED AND THEY RAN MY CREDIT WITH OTHER DIFFERENT COMPANIES WITHOUT MY CONSENT. THE COMPANIES ARE LISTED BELOW. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-02
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: OneMain Finance Corporation (PA)

This account doesn't belong to me. I have a court order Declaring me a victim of identity theft. As well as a document from the District Attorneys office. I've contacted Equifax and OneMain financial but yet Equifax continues to report even though they were provided a court order. The account that is incorrectly reporting is OneMain Account # XXXX the balance is reporting as {$5300.00}.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLIANT CREDIT UNION (IL)

I had an outstanding collection with Alliant Credit Union. When I tried to settle my debt with them, they told me that they can not speak to me because my debt was sent to a collection company. 

I spoke with the collection company ( XXXX ) and settled my debt for {$2000.00}. On the letter that I received from them, they stated that " your account will be updated on your credit report as settled/paid in full. '' My credit report was updated to show my balance with XXXX as {$2000.00} less than what it originally was. They did not report this as settled, rather they subtracted my payment from what I originally owed them. 

They are now showing that my account is still outstanding which is impacting my ability to obtain a mortgage.
Consumer complaint received 2020-07-19
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. (TN)

I called and requested and settlement amount of {$650.00} which was accepted. I paid the amount and was given a receipt and was told it would be taken care of. They did not zero the balance out as I was told but have a balance reporting of {$420.00}
Consumer complaint received 2022-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Hi, I am writing regarding a total sum of {$880.00} in missing funds that we are trying to reclaim from Citizens Bank, and I am seeking a resolution to have these funds returned to us. The missing funds are due to a series of problematic withdrawals that Citizens Bank had made to our account. 

The earliest is a transaction from XX/XX/XXXX, where {$880.00} has been subtracted from our escrow account with only the description " Misapplied Funds ''. This is likely stemming from another error that Citizens Bank had made last year, where they actually sent a homeowner insurance payment to our insurance company XXXX from another bank customer 's account. After working with the insurance company to get the funds returned to Citizens Bank so that they can repay the other bank customer, it seems like Citizens Bank ended up withdrawing this amount directly from our account, instead of using the returned funds that they should have received from XXXX. 

The second is a transaction on XX/XX/XXXX, for a total of {$910.00}. This was supposed to pay for our quarterly property taxes, but our Department of Finance had never received this check, and hence we ended up being charged a late fee of {$6.00}. Citizens Bank had finally refunded us the missing {$910.00} on XX/XX/XXXX, but we are requesting a refund of the late fee that we had to pay due to Citizens Bank 's negligence. 

The last transaction is also on the date of XX/XX/XXXX, where our escrow account listed that {$6.00} in taxes had been paid, but on our local Department of Finance payment history website we found a matching payment at {$6.00}. We are willing to subtract 2 cents from what Citizens Bank owe us due to this. 

Summing everything, we're owed a total of {$880.00} + {$6.00} - {$0.00} = {$880.00}. 

We have repeatedly reached out to Citizens Bank in the past regarding this issue but unfortunately our efforts have not been met with a resolution yet. We have sent them our row-by-row analysis and cross-reference of our escrow account 's transactions, along with our properties ' public payment history records from our local Department of Finance website . We are hoping that filing this CFPB complaint can help us resolve this issue. 

Thank you for your help.
Consumer complaint received 2021-04-24
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. (WI)

I have sent request about my address being updated to the 3 credit bureaus. XXXX XXXX of 2021, and now atempts for XX/XX/2021. XXXX XXXX and Experian seem to be having a hard time adjusting to my concerns and request to update my Address as they keep attaching addresses that have never belong to me or previous addresses where I have no means to get. Mail or my personal information can be envisioned by residencies unknown to me or vital information about me at their disposal.
Consumer complaint received 2021-07-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Trans union : On going credit changes due to charge accounts going up and down payed many cards off, no Balances for more than a month dropped my score 60 +. Taken longer to raise my score back up credit is exceptionally well. 

How can you drop your balance, decrease 's and your score goes down 24 PTS.??? 

XXXX  ; same solution but better but not fast to increase your score based on traditional percentage use. 


Thank you for all your help XXXX XXXX
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I 've submitted several certified letters to all  XXXX  credit Bureaus about inquiries that I was unaware of listed on my Credit Report as of today I still have n't gotten a response. This situation is affecting my process of purchasing a home. Please instruct me on what I should do next. I 'm looking forward to hearing from you soon.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

I opened an account in XX/XX/2018 with SYNCB/XXXX XXXX XXXX with Synchrony Bank. And out of no where I received a letter saying they have decided to close my account but my balance is still due. Reason : Balances on Accounts too high compared to credit limits and loan amounts. Now please keep in mind we're in a PANDEMIC affecting the worldwide nation. I'm calling a attorney today.
Consumer complaint received 2021-11-03
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. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This item is reporting late, yet it is closed and with the balance of {$21000.00} as reported in my Transunion Credit Bureau. Lets correct this immediately. The Transunion Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLA Collection Company, Inc. (OH)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2020-05-01
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. (NC)

This letter is a request based on empirical evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. Scott v. 
The United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. Websters New Universal Unabridged Dictionary, p. 966 ( 2d ed. 1983 ). 

The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA.
Consumer complaint received 2022-09-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AR)

XXXX  loan was transferred to XXXX. According to stipulations of class action lawsuit against XXXX, XXXX should have cancelled my student aide debt and removed from credit report instead of transferring amount to XXXX! 

I qualify for loan forgiveness and removal of loan information from credit report due to the XXXX class action law suit settlement. I was pushed to forbearance for many years and was never properly counseled regarding income based repayment plans upon multiple calls to XXXX. A total of {$9000.00} plus of student loans should be forgiven and removed from my credit history due to XXXX 's predatory practices. " The 39 state attorneys general involved in the settlement said XXXX, formerly known as XXXX XXXX, steered struggling student loan borrowers into costly long-term forbearance plans instead of counseling them about the benefits of more affordable income-driven repayment plans. The interest that accrued because of XXXX practices was added to the borrowers loan balances, pushing borrowers further into debt. ''
Consumer complaint received 2018-06-24
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. (NY)

state of Maryland XXXX  claim I went to there school I was a XXXX XXXX and sent to XXXX. how can I go to school. they said XX/XX/17 acct XXXX ... ... I took a loan. this is a lie. if I don't pay. they said that there the state and they can get whatever they want. there is no way to remove a student loan if you owe it or not. I must pay it threatened me to say I'm responsible and they will continue to ruin my credit. they threatened to ruin me they don't care if I was in XXXX  they just want there money. please help me. I need my XXXX
Consumer complaint received 2020-05-01
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: HYUNDAI CAPITAL AMERICA (DC)

On XX/XX/XXXX, I responded to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, MD. XXXX, ( XXXX ) XXXX, XXXX pursue vehicle purchase ). After completing credit application, XXXX, XXXX XXXX, I received updated information from salesperson, credit score XXXX ( Equifax ). Thereafter, I responded to finance office, met with XXXX XXXX, who advised. '' monthly note will be approx. {$400.00} ''. I did not accept this offer. 

On XX/XX/XXXX, I contacted General Mgr. ( XXXX XXXX ), XXXX XXXX, to obtain additional information XXXX XXXX XXXX, and explore information XXXX XXXX XXXX. Afterwards, I did not accept offer. On XX/XX/XXXX, I responded to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, ( XXXX ) XXXX. I purchased XXXX XXXX XXXX. On XX/XX/XXXX, I received letter from XXXX XXXX XXXX XXXX XXXX, Notice of Adverse Action. 

Additionally, on XX/XX/XXXX, I received Notice of Adverse Action from Kia Motors Finance, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX : Application Number : XXXX. It appears because I didn't accept XXXX XXXX XXXX XXXX XXXX ' offer, they used the XXXX credit score ( XXXX ) to support sending the Notice of Adverse Action. If I would have proceeded with the offer, they used the XXXX credit score ( XXXX ). 

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, Ga, XXXX, ( XXXX ) XXXX, is currently Lien Holders my vehicle. Please see attached supporting documents. Thanking you in advance for your assistance with this subject matter. It's also important to " Do unto others as you would have them to do unto you ''. 

In closing, I agree to CFPB Publishing my description on consumerfinance.gov., with the understanding that ALL of my personal information is excluded.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I declare under penalty of perjury under the laws of the United States, if executed outside of the United States that the foregoing is true and correct to the best of my knowledge. Further, I certify that i am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that i made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. Moving forward I would like you to stop reporting to all credit reporting agencies that i owe any amount to your company. Remove all these false debts from my report ASAPI will also like your company to mail me via postal mail all changes have or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.
Consumer complaint received 2022-09-13
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. (FL)

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-13
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: Experian Information Solutions Inc. (SC)

I received a copy of my credit report and noticed some Hard Inquiries that I don't recognize. 

XXXX XXXX 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 2022-09-13
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. (IN)

I reviewed a copy of my Experian, and XXXX credit report and found various inaccurate names and addresses. The list of accounts has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

e remove the following addresses from my account. I have never lived at the addresses listed below nor have I given anyone authorization of these addresses. 

Type of Account : Inaccurate Address Inaccurate Address as stated on Credit Report XXXX XXXX XXXX XXXX FL XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX