davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Auto Finance has been requested to provide an affidavit to confirm they are still in possession of the original promissory note and that it was not used as value to a check. Also, that the loan was funded by Capital One 's money, capital funds, or money equivalents to pay for the auto loan issued to me. 

I am asking for full disclosure and transparency, which I am fully entitled to.
Consumer complaint received 2018-06-04
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. (MO)

XXXX XXXX XXXX is reporting, as of XX/XX/XXXX, that I was 180 days late on my mortgage payments. I dispute this notation and would like them to remove it. 
I was in a loan modification program with XXXX beginning in XX/XX/XXXX, and was out and in of loan modification for a period of 2 years. 

I sold the house and paid off my mortgage in XX/XX/XXXX. 

I would like this false reporting removed from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX XX/XX/XXXX Dispute of Credit Reporting Inaccuracies - Immediate Removal Request I am writing to dispute inaccuracies in my credit report. Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I hereby demand the immediate deletion of the following inaccurate entries on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Worst Delinquency/Older Derogatory Events inaccurate Payment History inaccurate Close Date inaccurate I remind you of your responsibilities under 15 U.S. Code 1681s2, which places obligations on furnishers of information to consumer reporting agencies. I expect you to communicate these disputes promptly to the relevant data furnishers for their investigation and correction. 

Attached are supporting documents including images of each account as well as a full credit report dated XX/XX/XXXX for your verification. I demand an expedited investigation and expect resolution within 30 days. 

Remove disputed items during the investigation, as mandated by 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). Failure to comply with these requests may result in civil liability under 15 U.S. Code 1681n for willful noncompliance and 15 U.S. Code 1681o for negligent noncompliance. 

Thank you in advance for your attention to this matter. 

XXXX XXXX
Consumer complaint received 2024-02-03
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. (MO)

After reviewing my credit report I noticed that I have several fraudulent inquiries on my credit report according to 15 US. 168 1a 2. I did not give written permission to have these accounts furnished in my credit report privacy law 15 USC 6802 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TN)

XX/XX/2019 XXXX IC systems totaling {$350.00} I asked they send it back to XXXX . So I can make the payment to them. I never received a bill from them. I asked they mail me a copy over email.
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 is missing that should be on the report
Company: Experian Information Solutions Inc. (CO)

I was denied a XXXX credit card in XXXX. After contacting the telephone number on the denial letter, I found out that they only use Experian to check credit. Experian doesn't show any credit for me despite being an authorized user on two cards that we use ( I had closed cards that we didn't use and they were in my name ). I contacted Experian and they refuse to do anything. They say it is a fault in the two credit card reporting system and not their system even though they didn't even look at their system. I contacted the credit card companies and they assured me that the information is reported correctly to all three reporting companies. XXXX  and XXXX  have the cards reported correctly. Experian also shows the cards in my wife 's report correctly. I tried opening a XXXX XXXX credit card in XX/XX/XXXX and was denied so we had to open it in my wife 's name. This week I tried to open a XXXX ' credit card and was denied, again because they only use Experian. Because of a fault in Experian, I am being denied credit despite excellent credit for 30 years ( we have had XXXX  since early XXXX  's ). Experian has never once shown credit on my report unless it was opened in my name. I am now forced to open a XXXX  XXXX credit card ( that I don't need ) in my name ( after I finally found one that doesn't use Experian or perhaps uses multiple sources ) and build up credit because I am tired of having to open credit in my wife 's name.
Consumer complaint received 2021-08-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to XXXX XXXX, and Equifax. As of today, over 45 days later, I still have not received any response from those disputes. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have been compromised.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-08-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CO)

I purchased a new vehicle on XX/XX/XXXX. It was financed through Chrysler Capital ( account # XXXX ) with a loan for {$57000.00} On XX/XX/XXXX I made a {$300.00} payment toward the loan ( check # XXXX ). On XX/XX/XXXX I made a second payment for {$300.00} ( check # XXXX ). 

On XX/XX/XXXX, I was informed that the dealership made a mistake reporting the VIN number and I had to sign additional paperwork. 

On XX/XX/XXXX there was a written conversation with XXXX, a customer representative with Chrysler Captial. I asked her about the status of the account change. XXXX informed me that " if the VIN is wrong, we will simply update the VIN when the document is received. '' I scheduled a third payment for XX/XX/XXXX for {$600.00}, this time through Chrysler Capital 's website ( confirmation # XXXX ).

Chrysler Captial then created a new account ( # XXXX ), with the right VIN number, and reflecting an opening balance of the original loan XXXX {$57000.00} XXXX. They did not apply my earlier payments, nor informed me what had happened with them. 

On XX/XX/XXXX, I called Chrysler Capital with a customer service representative name XXXX ( ID # XXXX ) who state that the transactions had been " reversed '', and the payments were sent to the dealership. XXXX could not back up this statement with any confirmation numbers or check numbers. I called the dealership 's finance department and spoke with XXXX XXXX, who stated that the dealership had not received any funds from Chrysler Capital, but he would look into it. 

On XX/XX/XXXX I called Chrysler Capital and spoke with XXXX ( ID # XXXX ). This time I got a different story. XXXX stated that a check was sent to me on XX/XX/XXXX for {$600.00}, and another was cut on XX/XX/XXXX for {$600.00}. Both checks, he said, were addressed to me at my home address. He could not provide check numbers or confirmation numbers for either transaction. He did make a request to re-send the XX/XX/XXXX payment since I had not received it yet. He had no comment on why I was told that it was sent to the dealership by the last person I talked to. Nor why the last representative did not have the same information he was privy to. 

At this time I have yet to receive my fund back. And I keep getting conflicting or incorrect answers from their customer service department. I have no trust or confidence in anything they are telling me, which makes it extremely difficult to make decisions on when or if I should pay them.
Consumer complaint received 2020-10-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I made payment and paid off all my credit cards. I spoke to the company and they assured me everything was good since I had made a payment plan due to covid. After I paid them off without notice they completely took down my credit limit, closed my cards and didnt report the payments to the credit agency. This has caused my credit score to lower a lot and no changes have been made. There action have greatly affected my score and I had spoken to the company and credit agency such as experian, etc and I was assured my credit score was fine and my standing with the company was fine and it turns out it was all a lie and now they don't want to help whatsoever.
Consumer complaint received 2021-08-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XX/XX/2021 Reference ID # : XXXX Dear CFPB, Portfolio Recovery Associates stated that PRA ceased all communication efforts in there reply to my compliant on XX/XX/2021, with the CFPB. However, that is untrue. PRA is in violation of FDCPA 15 USC 1692a ( 2 ) reporting on a consumer report without consent is indirect contact. As of XX/XX/2021, PRA continues to use indirect communications by reporting to the following consumer reporting agencies : XXXX, and XXXX. Therefore, PRA has not honored my request see Exhibit 1. I demand that PRA delete these entries from the consumer reporting agency and squash any future communications.

PRA also stated in their response to my compliant on the CFPB on XX/XX/2021, that PRA is a " Debt Buyer '' ; PRA purchases delinquent consumer debt from creditors to whom such debt is owed and seeks to collect such debt from consumers who owe such debt. Therefore, XXXX XXXX  has already been credited for this alleged debit ( see exhibit 2 ) PRA response. I did not give PRA or XXXX XXXX  direct or indirect consent to share or sale information that contains private information such as name, address, social security account number without my direct consent which is called Identity Theft according to the Fair Credit Reporting Act. I did not give XXXX XXXX consent to have PRA contact me or serve me this is a violation of 15 USC 1692c ( a ). There is no contract between PRA and XXXX XXXX that gives PRA permission to collect an alleged debt from CONSUMER XXXX. PRA produced old statements from XXXX XXXX  these statements are not a contract between Consumer XXXX and PRA but is proof of identity theft Exhibit 3 submitted to the CFPB on XX/XX/2021, from PRA. I am seeking the following remedy : *Deletion from all consumer reporting agencies ( XXXX XXXX XXXX XXXX XXXX ) Sincerely, Consumer XXXX
Consumer complaint received 2021-08-06
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: MoneyLion Inc. (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). MoneyLion, Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a ).
Consumer complaint received 2024-02-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK (OR)

As a more than 10 years customer of Discover who gives big amount deposit, my account locked by unbelieveable reason. ( {$500.00} XXXX  transfer to my own account, same name ) I cant use my money for emengercy and can't close this account either. I didnot do anything wrong but their risk contral system keep lock me down. 

Discover asked me unlock my account by upload XXXX, however, i'm outside the United States for travel and there are no U.S. embassy nearby. When they try to send XXXX codes it also failed by their system rule. This is not my fault. 

I need use my money immediately and I tried communicate with them but they keep bring up this unreasonable request.
Consumer complaint received 2020-11-13
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 — Their investigation did not fix an error on your report
Company: LendingPoint Holdings LLC (CT)

On XX/XX/2020 I received a call from a rep from Lending Point. The representative was calling for a payment. I advised I was experiencing hardship however I could make the payment on Friday ( XX/XX/2020 ) which was the end of this week. She stated if I wait until Friday it will report negative on my report and that I had to make a payment that day which was a Monday. 

I explained to her I didn't want any negative remarks on my credit therefore I paid with my credit card. A week later XX/XX/2020 I started to get alerts from my credit monitoring company that a late payment has been reported. 

I called the company and spoke to the supervisor ( XXXX XXXX ) on XX/XX/2020 at XXXX. She stated she would review the call and call me back. 

After waiting all day and didn't get a returned call, I called the company again at XXXX and requested to speak to XXXX . 

XXXX stated she did review the call and the representative did advise me it would not report on my credit file, she stated she would educate the representative however it was nothing she could do with updating my credit profile. 

This company misadvised me, took a payment and then reported negatively on my report and refuse to do anything about it. 

I am not sure what to do or where to go from here as this is very damaging on my report. 

Please help
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am submitting this follow-up complaint to apprise you of the ongoing issue stemming from my previous report concerning identity theft. As outlined in FCRA Section 605b, Credit Reporting Agencies are mandated to expunge any items identified in an identity theft report, particularly in my case with reference # XXXX. Enclosed, please find the attached documents supporting the removal of erroneous information and inquiries erroneously posted on my reports. The following is a list of items that do not belong to me or were opened without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Per FCRA Section 605B ( a ), Credit Reporting Agencies are obliged to remove any items identified by the consumer as information resulting from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Back in XX/XX/XXXX my bill for my credit card for fifth third bank had a balance of XXXX. I sent XXXX. They in turn tried to cash the check for the check number XXXX. Which over drafted my account. The issue was resolved and my account was credited, but it reappeared again in XXXX. Now they say the balance belongs to me and they have been investigating for over a month. In the meantime they call to say I'm behind payments and I have late fees. Yesterday they said they sent the late payment info to the credit Bureau. This is all been a nightmare my credit is being destroyed and I'm being harassed from collectors. For a computer error.
Consumer complaint received 2020-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX is reporting a collection account that does not belong to me. There was no investigation by the credit reporting agencies to confirm this account. XXXX XXXX XXXX has not furnished any documents proving this account belongs to me.
Consumer complaint received 2024-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked at my report and noticed some things that were reporting incorrectly. I sent multiple letters to XXXX, XXXX, and Transunion asking them to validate the Bankruptcy Account and investigate the completeness and accuracy of the accounts. However, I waited the required amount of time, and everything was updated as verified. I then sent letters to the bureaus asking for their method of verification and a description of the investigation based on 15 USC 1681 ( 7 ). The response I received was it was verified through XXXX XXXX. After this, I requested a copy of my consumer report from XXXX XXXX and verified if this account was actually on the report and it wasn't. I also called XXXX XXXX to confirm this information and I was told that there was no Bankruptcy showing on my consumer report and that they did not receive any request from the credit bureau requesting for verification of this account. I am beyond upset and frustrated, that a company that is supposed to report complete and accurate information on my customer report, can flat-out tell me false information and then verify the validity of this account. I also sent a letter to the Clerk of Courts for XXXX XXXX XXXX XXXX appearing on customer report that is reporting ), who states that they do not furnish debt collectors or credit bureaus any information. This is in direct violation of 15USC 1681 ( 7 ). They have also violated 15 USC1681 ( 5 ) and USC 168e ( b ), just to name a few!

As you can see, this has been an ongoing battle for many years trying to get this corrected. At this point, after all I have done to get this matter rectified, it makes no sense!
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX Balance : {$5200.00} ; XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX XXXX Balance : {$2000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$2500.00} ; XXXX FUNDING ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.