davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-07
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. (TX)

I am still showing an Account with XXXX XXXX which has previously been resolved. The account belonged to an ex spouse and I am not responsible. They are reporting incorrectly that I owe a balance with them. I do not owe XXXX and the balance reflected should be XXXX and removed from my credit file.
Consumer complaint received 2022-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Since XXXX of 2022, I have been sending certified letter to XXXX, TransUnion, and XXXX. There are inaccuracies on my report that are negatively affecting my report. I have asked XXXX and TransUnion to show what they found out on their investigations SINCE XXXX and they have refused. They have no proof that the accounts are mine. XXXX has not given me an update via mail on the investigation results ; they are far beyond 30 days.
Consumer complaint received 2023-01-27
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. (NJ)

This is my XXXX 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. 

XXXX Account Number : XXXX ; XXXX  Account XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX T Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-03-24
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: Larry H. Miller Group of Companies (WA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX run my credit without my permission with multiple banks while I signed for my credit to be run only with one bank. The sale confirmed that, only bank was going to be used and if I got denied. They will no longer proceed. I found out that, they lied instead run my credit using multiple banks. This is a violation of my rights as a consumer. I wasnt aware of that. I bought 7 cars from other dealership and this never happened before.
Consumer complaint received 2024-03-24
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Payfare International Inc. (IL)

XX/XX/XXXX and XXXX I was charged XXXX Under XXXX billing policy states they do not bill as this rather the actual service provided i.e XXXX  or XXXX XXXX, etc after explaining this to dasher direct several times I was still told to dispute with XXXX even though this is not legitimately them, I'm out of almost XXXX. Dasher direct refuses to reimburse me for an obvious fraud.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I sent a certified letter to each of the credit bureaus requesting that the incorrect information on my credit report removed. As of today, XX/XX/XXXX, I have not received any communication pertaining to this matter. My full name is XXXX XXXX XXXX XXXX My birthday is XX/XX/XXXX and my correct and only address is XXXX XXXX XXXX XXXX XXXX GA XXXX. All other information needs to be removed immediately. This is the letter that I sent : I am writing to formally demand the immediate removal of incorrect personal information currently reflected on my credit report. My full name is XXXX XXXX XXXX XXXX, and my date of birth is XX/XX/XXXX. My correct and only address is XXXX XXXX XXXX, XXXX, GA XXXX. 

The following information on my credit report is incorrect and must be removed immediately : Name Discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple variations ) Previous Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, LA XXXX I demand that all incorrect names, addresses, and other personal information be removed from my file immediately as they are not accurate or relevant to my credit history. This erroneous information could impact my creditworthiness and lead to further confusion. 

I expect prompt correction of my file and written confirmation that this matter has been resolved. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-07
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. (TX)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 1 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 2 604.A also states a consumer reporting agency can not furnish an account without my written approval or instructions. 


I have asked this company several times to provide me with a signed contract by myself and they have not delivered
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (AZ)

The debt collection agency CCS gave me the option for a payment plan. They did not notify me that the full amount was due immediately and implied that a payment agreement was in place paying XXXX a month. However, they failed to notify me that choosing the payment plan would result in a delinquent payment on my credit report. I called them and they said there is nothing they can do.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (IL)

I have an open dispute against XXXX/Comenity Bank with XXXX. I've attempted several times to resolve this ongoing issue. XXXX/Comenity sold alleged Account # XXXX to XXXX XXXX XXXX, XXXX. In an effort to resolve this matter, I filed for private arbitration according to XXXX 's Credit Card Terms and Conditions on XX/XX/XXXX ( Case XXXX. ) On XX/XX/XXXX the XXXX XXXX XXXX closed the case because XXXX failed to respond after several attempts. To get down to the bottom of the issue, I demanded an investigation from XXXX After an investigation, on XX/XX/XXXX, XXXX ceased all collection activity on this account, closed the account and removed the trade line from all credit reporting agencies as it is invalid. The very company XXXX allegedly sold this alleged account to, agrees the account was invalid. However, XXXX/Comenity continues to report invalid information to the credit reporting agencies on my behalf and in doing so continues to violate my rights under the Fair Credit Reporting Act.
Consumer complaint received 2024-03-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NV)

They have called incessantly. I have tried to keep up payments however I was admitted into a facility XX/XX/XXXX until XX/XX/XXXX discharged approximately a month ago for my XXXX  XXXX. Ive tried explaining that the calls are detrimental and I will make a payment as soon as I can. They do not stop calling. 
From XXXX XXXX they called 11 times From XXXX XXXX they called 33 times. 
From XXXX XXXX they called 24 times and the day ( today is XX/XX/24 ) is not over.
Consumer complaint received 2017-10-16
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NY)

Navient is reporting that i made payments to them when i did n't. They are also saying that i was late on a payment that was recently made. Which i never made a payment. They restarted the clock on my account, so now the SOL has restarted. I am also in school and all of my school loans are in deferment. This loan should still be in deferment until XXXX 2017. They keep raising the interest on the loan which is making it 10 times harder to pay it off. They did not notify me that they were putting that i made any payments and they are harassing me every day calling me about loans that i owe, that should be in deferment. If you were to look at my other school loans, they are on deferment. i want them off my credit report because they are reporting false information and i am trying to rebuild my credit and this is not right to report that I 've made any payments just so they can restart the clock on my account and i now have to wait another 7 years. i never made a payment because my loans are supposed to be in deferment just like my other school loans. The loan is three times the amount of the loan that it as originally.
Consumer complaint received 2015-07-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc. (SC)

I recently purchased a copy of my XXXX credit report and notice that CONVERGENT OUTSOURCING INC is reporting negative information without giving me the right to dispute. I had moved from the address but I had my mail put on hold until I recieved my approval letter for my deed in lieu, after I recieved my approval I changed my address to my new address.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand this account be removed
Consumer complaint received 2023-01-27
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. (TX)

There is seven hard inquiries on my credit report. I have send in certified letters for removal over 45 days ago XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

When I investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts 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
Consumer complaint received 2022-03-02
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: TRUIST FINANCIAL CORPORATION (GA)

Suntrust Bank with account # XXXX with a balance of {$570.00}. 
The reporting of this account is in violation of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( i ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Suntrust and XXXX ( Person ) is violating federal law pursuant to [ 15 USC 1681 ( a ) ( 2 ) ( i ) ] under the FCRA by reporting or furnishing " information solely as to transactions or experiences between I ( consumer ) and the person making the report ( Suntrust and XXXX ). The statue clearly states this should be excluded from the consumer report. 

Remove the illegally reported information immediately before swift legal action is taken.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CBC Companies, Inc. (NJ)

Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX Dear sir, I have read your company review on CFPB ( XXXX ) and want to request further information regarding the regulation of American credit report companies. Your employee mentioned the checking and saving accounts information, then, started to refer the creditors. Since I asked on this CFPB on the regular saving and checking accounts, they do not refer the debt, which need the creditors at all. Since the Arizona based credit report company mentioned about my bank checking and saving accounts, which do not relate with the creditors, I asked your company to do same thing with this Arizona based company to show me the information on the regular banking information, which this company did. If your company indicates, it is only possible to Arizona based credit report company, I seriously prefer only Arizona based company will have the right to check and investigate my personal information, if New Jersey based credit report company can not do it, even though it situates in the metropolitan area. Anyway, this Arizona based company website says it is a nationwide company ; therefore, what your employee has mentioned does not match with this Arizona based company. If two nationwide companies have different regulations, I request both companies will give me the information on the regulations to find out how these companies treat the personal sensitive information. Anyway, from my viewpoint, once the companies consider themselves nationwide, they should have some regulations under the Federal or other national government organizations. I prefer you will indicate this information, since the individual has the right to know these regulations due to the safety of personal information and identity. 
Sincerely,
Consumer complaint received 2022-08-10
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX 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 consent.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX ( CA ) reported to Experian XXXX XXXX on XX/XX/XXXX to delete their collections account from my credit reports due to being paid in full. I checked XXXX on the morning of XX/XX/XXXX and Experian has refused to remove the aforementioned collections account for {$1200.00}. They place negative information within seconds of receiving the information but consumers have to fight and file complaints to get positive information/ effects on our credit report. 
I have a release of liability from XXXX XXXX XXXX XXXX XXXX ; who have been very proactive in removing negative information from my credit report. I also have screenshots of my Experian credit report as of XX/XX/XXXX. 
I am an XXXX XXXX XXXX XXXX XXXX XXXX Veteran and trying to use my VA home loan to buy a house for my family; and Experian is obstructing my efforts. 
Experian needs to be fined and sanctions inflicted on them for their refusal to properly report consumers positive credit repair efforts.
Consumer complaint received 2017-04-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (IA)

XXXX / XXXX /  XXXX   From :  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , IA  XXXX  To :  Navient    XXXX   XXXX    XXXX   XXXX , PA  XXXX  In regards to : Navient I,  XXXX   XXXX  is non-adverse, nonbelligerent, non-committed party, secure creditor with power of attorney general and Executor on behalf of  XXXX   XXXX     XXXX    ESTATE , is in possession of your recent voluntary submission of evidentiary documents.   Navient must herein provide a true and certified copy of the complete  audit trail o f all accounts of  XXXX   XXXX   XXXX . Furthermore, in order for Navient to validate this so called debt, please provide verification through audit certification of debt entry in accordance with   XXXX   XXXX   in accordance to  XXXX   XXXX   XXXX  and  XXXX  conventions I would also need a copy of your Tax Registration certificate.   Please do not provide a statement of accounts. I already have received these document. I am wanting to see the complet e audit trail of all account ( s ) from conc eption.   Failure to substantiate the claim, please settle the account immediately within the next 30 days.     Sincerely,  XXXX   XXXX
Consumer complaint received 2022-03-02
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: Bread Financial Holdings, Inc. (PA)

Comenity Bank The account was paid in full in XXXX ( online ). Apparently, there were residual finance charges of a few dollars that were added after I paid the account in full and was unaware of these finance charges. When I became aware, I paid them. They have DESTROYED my perfect payment history by reporting historical 30 days late for XX/XX/2022. Technically, no payment was late and it is illegal to report late payments on residual finance charges. I have asked them to update and remove the 30 day late reference which they refuse.
Consumer complaint received 2019-03-01
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. (OR)

I received an e-mail notification from XXXX that there had been a " Hard Inquiry '' on my transunion credit report dated XX/XX/2019. I contacted transunion and explained to them that I have never done business with a company called " XXXX XXXX " and that I want the Hard Inquiry deleted from my transunion credit report. Transunion told me I had to contact XXXX XXXX and get them a to write a letter to me, then I can take that letter and mail it to transunion. I have never done business with XXXX XXXX and thus have no account with them to write a letter from. I tried calling the number listed for XXXX XXXX ( XXXX ) and it just rang with no answer.