davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
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. (PA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

This is my formal response to Equifax, demanding they remove fraudulent items from my credit report. XXXX, XXXX XXXX Equifax received a formal complaint through certified mail XX/XX/XXXX. 
The ID Theft Report expressed in detail how I was a victim of ID Theft, and how 4 automobiles were purchased in my name unbeknownst to me. XXXX and XXXX XXXX promptly deleted all 4 cars from credit report according to FCRA code 605b ( 15 U.S.C.1 681 c-2 ) Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than ( 4 ) days business days after the date of receipt by such agency of : Equifax has refused to remove ALL fraudulent items from my credit, even though Equifax has, by their own admission received my full ID Theft Report, Equifax did in fact remove one of the fraudulent cars. Yet they continue to ignore FCRA and FDCP statutes. violation of FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Their lack of communication with me is a violation of FCRA 611 ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

As I am sure Equifax is well aware, under FDCPA Section 809 ( b ), is not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES XXXX XXXX FOR THE DISTRICT OF ARIZONA, XXXX,
Consumer complaint received 2018-01-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: National Auto Lenders, Inc. (FL)

I lost my job due to the national disaster hurricane Irma I have a XXXX XXXX XXXX my loan amount is {$14000.00} left on it my father and I got a appraisal for the vehicle due to a prior accident on the vehicle history that the car was totaled its only worth {$9000.00} my father offer the best he can to pay the loan off which was {$12000.00} they to me and my father that they do not care about if I lost my job I shouldve never finance the car its a business. I told them I do understand its a business but things do happen thats out of our control and I know its something we can negotiate. Horrible company with even worst employees. They need to be reported and shut down immediately. Would NOT recommend anyone to do business with them.
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Bread Financial Holdings, Inc. (VA)

dates of callsXX/XX/XXXX2019, XX/XX/XXXX2019, XX/XX/XXXX2019 6-7 calls daily from XXXX XXXX keep blocking numbers but continue calling with other ID numbers SCAM Telemarketing calls
Consumer complaint received 2021-04-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: COMPASS MORTGAGE, INC. (IL)

I worked with Compass Mortgage of XXXX, IL for a mortgage that I closed on XX/XX/2021. At closing, at the title company, I signed all of the documents with my attorney present. The first payment document, showed my payment was for {$1100.00}. There were also several closing documents that did now show the exact monthly payment amount. 

On XX/XX/2021, I received an email from Compass regarding the first payment. I reviewed the information, and it shows that my first payment in fact is {$1700.00} and change. I reached out to the Loan Officer, who replied that it was the title company that did not use the most accurate tax year and therefore, it was at their fault. Then he states in a separate email, that he doesn't know where the miscommunication was but here ( attached ) are the correct documents. He informed me that during previous conversations that he made me aware of that my mortgage would be approx $ XXXX {$1800.00} per month. I explained that I assumed that because I was at closing, that everything should have been finalized, that my payment was in fact {$1100.00}.
Consumer complaint received 2022-09-09
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2022-12-14
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: REGIONS FINANCIAL CORPORATION (LA)

FCRA Violation credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation credit card payments not late XXXX XXXX FCRA Violation other loans not mine REGIONS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FCRA Violation hard inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation collections not mine XXXX XXXX XXXX FCRA Violation installment not mine XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation personal information not mine XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-03-31
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. (MI)

XXXX Credit Breau Equifax Credit Reporting Breau XXXX Credit Reporting Breau I have made numerous attempts since 2018 to have Fradulet information removed from the credit Breaus I have sent certified identity theft reports I have sent certified police reports they have not followed the law An block these items from my report They place them into dispute to keep a long process going iam in the process of speaking to a lawyer now for damages, time wasted! an to hold them accountable for not following the FCRA
Consumer complaint received 2021-07-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Debt was removed by XXXX  and XXXX  after being disputed but transunion wont remove debt or provide verification that the debt is indeed mine. Collection from XXXX XXXX wont leave my account after asking for proof of verification that the debt is mine from a signed contract proving that it is mine.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc. (GA)

Past creditor, Consumer Portfolio Services is purposely reporting in accurate information to XXXX Credit Bureau Agency. CPS has been cited by the Federal Trade Commission due to unfair unlawful business practices. My car was repossessed back in 2014. The account status should be noted as " repossessed-charged off-closed ''. The company is reporting to the credit bureau agency as 30-60-180-days past due, also failure to pay. I would like for this company to stop the illegal business practices they are still committing. Again, CPS has been cited by the FTC for their unlawful business acts.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-06
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. (CA)

I contacted Experian in XX/XX/XXXX to inform them that the amount on a collection was incorrect and sent them a statement showing the balance at that time. It was never corrected. I again ATTEMPTED to file a dispute with Experian on line in which they denied my request for re-investigation stating that what was being reported was correct. I filed yet another dispute in XX/XX/XXXX, providing documentation that TWO collection accounts were paid in full and requesting that one be removed in that it was past the 7 year mark. They were NEVER removed nor where the balances updated to show them as paid. 

I further have asked multiple times to have a validation of a debt on a third collection agency. I contacted the Collection Agency and requested validation of a debt which they have refused to provide. I contacted the alleged original creditor and they have no record of any outstanding debt, yet Experian continues to report this debt even after I have asked to have an investigation. I have been TURNED down for credit because of this.
Consumer complaint received 2018-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (GA)

XXXX - This is where I beg the difference, you certainly are in the wrong : Under the rules of the FDCPA, a debt collector such as yourself ( Diversified Consultants, Inc ) identified as a DEBT COLLECTOR are required by Federal Law if you are attempting to collect a debt to provide details about a debt by sending a written notice with the following information. 

Name of the creditor Amount allegedly owed Instruction on how to repay the alleged debt *Just for your future collection practices, since you think you did nothing wrong. This is called the validation notice and must be sent to the consumer within five days of initial contact. 

So let me suggest you remove this immediately from my credit report since you practices seem to be unknowingly UNETHICAL!!! 

Regards, XXXX XXXX
Consumer complaint received 2023-04-18
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: CITIBANK, N.A. (UT)

I ran my reports on XX/XX/23 to verify if the information I requested be corrected was in fact corrected. It was not. The account ( see attached ) remains in error. My request to the company was simple yet they did not correct the information as requested. The credit bureaus will not keep updated information nor do they care. You pay them, I don't, therefore they don't care what happens on my reports. 

You're responsible for keeping accurate records 100 % of the time, the bureaus could care less but I care! These errors are affecting my credit scores in a very negative manner!
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (LA)

I opened an account on XX/XX/XXXX with venmo and I deposited {$200.00} and then immediately after that they said they had to close my account and would hold my money for up to 180 days for no reason and I just want my money and they can disheve whatever the XXXX is wrong with you wherever the sun don't shine cuz I really don't give a XXXX
Consumer complaint received 2022-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

XX/XX/XXXX I filed Chapter XXXX bankruptcy. I was not late or delinquent on any of my accounts during this month. I was actually only late on 2 accounts in the past 7 years. Capital one reported 2 of  my accounts negative XX/XX/XXXX, the month I filed Chapter XXXX. 

I filed a dispute through XXXX and instead of removing the negative mark on my payment history they changed the status update from XX/XX/XXXX to XX/XX/XXXX on one and XX/XX/XXXX on the other. 

I filed a dispute with Capital One directly as well and they state that they were reporting correctly. 

This is showing as a negative account on my credit report and is absolutely not correct I was not late/negative/delinquent at all in XX/XX/XXXX or XX/XX/XXXX and it should not be reporting negative. 

My reports do show " Debt included in or discharged through bankruptcy chapter XXXX, XXXX, or XXXX '' however the negative reporting payment history on any months where there was no late payment made should be removed. 

I am attaching a copy of my credit report from XXXX to show what I mean by negative payment history.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Hello, I want to explain you the situation happened with me. 

I have account in credit report that is not mine. My report was brilliant until the day when bureaus, because of their poor reporting, put this account into my profile. This account is incorrect and not mine. So I ask you to take appropriate actions and apply investigation because it seems like Identity theft case. So I ask you to remove this item as soon as possible. 

Account number is below : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-06
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. (WY)

XXXX and Transunion are reporting me as 30 days past due on the XXXX account number XXXX that has a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (WI)

We tried a week ago to activate this card and were told we had to send in a scanned copy of a Social Security card, driver 's license and proof of address. After three different pieces of mail were sent as proof of address ( including voter registration card ) they still would not activate the card. Also, the receipt for the gift card clearly indicates the value on the card is {$300.00} and the credit card company said there is only {$270.00} on it. Netspend is the name on the card and it says that it is issued by XXXX XXXX XXXX.
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Santander Consumer USA Holdings Inc. (NV)

I did a volunteer repossession of a vehicle that I was to purchase around about XX/XX/XXXX. The company Santander Consumer USA sent a letter informing me that they were going to sell the vehicle as a private sale on or about XX/XX/XXXX. I decided to start getting my credit in order and saw that Santander Consumer USA reported me to all XXXX of the major Credit Bureau as owing {$15000.00}. I went into this loan agreement in XX/XX/XXXX for that amount. I sent notice to all 3 credit reporting agency and to Santander Consumer USA to have it removed from my credit report on XX/XX/XXXX. I was told by all 3 credit reporting agency that they verified that account belongs to me, and will not remove the derogatory remark. I after not receiving any response from Santander Consumer USA I sent a second letter on XX/XX/XXXX to all 3 credit reporting agency and Santander Consumer USA send me a copy of a contract bearing my signature and, I received nothing from Santander Consumer USA again. I received once again a letter from all 3 credit reporting agency stating this is my account. I then sent a third letter on XX/XX/XXXX giving them 15 days to send me proof of what Santander Consumer USA sent them to prove this is my account. I received nothing again. So, I sent a letter to Santander Consumer USA asking them to send me what they sent to the credit reporting agency, once again they failed to respond. I have tried my best to get this resolved but Santander Consumer USA refuses to speak or open a line of communication with me. My last and final attempt before contacting you was a letter sent to Santander Consumer USA on XX/XX/XXXX was to provide me proof of the sale and the amount once again no response. I see that on XX/XX/XXXX Santander Consumer USA charge-off my account then on XX/XX/XXXX the amount was {$11000.00} they continue to add the payment amount of {$420.00} each month unit they got to the amount of {$15000.00} my question how is that possible when you have already charged my account off?
Consumer complaint received 2020-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX is reporting inaccurate and inconsistent information on my credit report. This collection is only reporting on my XXXX. According to the FCRA all information must be accurate and consistent. This is not. This is hurting my credit report and score.