davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
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. (GA)

My service provider granted me a COVID forbearance on my VA loan, due to a reduction in my pay during times of XX/XX/XXXX- XX/XX/XXXX. At the end of the forbearance I was given a 3 month trial period which i paid on schedule as directed. After the trial period the modification was fully approved and converted to 30yr fixed loan. 

However during the 3 months of the trial period, my credit account was reported to the credit bureau as 30, 60 and 90 days late even though all payments were made on time as directed by the service provider. 

According to guidance i've received, the Cares Act states, " If your account is current when you are offered assistance and you follow the terms of the accommodation, your creditor should continue to report you as current ''. 

I need help getting the service provider to remove the 30, 60, 90 day missed payments from my credit report
Consumer complaint received 2022-07-12
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)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code $ 1681c-2 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 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2022-07-13
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (FL)

My car bill is on auto pay. To my knowledge the bill was getting paid every month. It appears that one payment was received by the company but then rejected. I was never informed that the payment was rejected. One payment was overdue for several months but every month a payment was made. The company has not been able to help me in this unfair situation. I cant get a mortage because of the late payments that was reported even though payments were made.
Consumer complaint received 2022-07-13
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. (GA)

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. I found out that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any item which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for your and the bank 's records ( learned through more research both parties require ). Please remove these files. If XXXX, Equifax and XXXX feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If no records are provided & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX US DEPT ED XXXX Balance : {$5000.00} US DEPT ED XXXX Balance : {$6200.00} XXXXXXXX XXXX XXXX Balance : {$9800.00} XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2022-07-13
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # 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 a account without my written instructions
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2022, I sent an email to the courthouse asking do they report bankruptcy to any credit agenices and I received an email back stating that they do not report any bankrupcy to any credit bureau. If that the case how did the credit agencies verify my bankrudtcy as 100 % accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C. 1681 SECTION 603 ( 3 ) ( E ) states The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They have violates my rights numerous of times. 
15 U.S.C. 1681 1681 SECTION 602A states I have the right to privacy.

15U.S.C. 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an accounnt without my written instruction.

15 U.S.C.1681s-2 ( A ) ( 1 ) states Reporting information with actual knowledge of errors 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 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

Creditor XXXX. XXXX Account number XXXX XXXX -- There was never a dispute. Please remove comments. 

XXXX. XXXX XXXX XXXX Account paid- please remove comments. no disputes XXXX. XXXX XXXX please remove comments ( never disputed anything ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX paid/closed -- please remove negative remarks XXXX XXXX XXXX XXXX- Please remove comments- XXXX XXXX XXXX XXXX XXXX - chargeoff removed by Creditor -- sent to all 3 bureaus. Will submit proof. 

XXXX. XXXX XXXX XXXX  -failed to deduct payments when auto payment was setup. my banking info never changed. I always setup auto pay. This was only XXXX XXXX  month and at the time, I had XXXX or XXXX mortgages, car note, credit cards and they all were paid on time, I always setup payments auto pay to avoid missed payments. I requested account to be closed. Please remove negative payment history.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

Creditor XXXX XXXX Account numbeXXXX XXXX XXXX -- There was never a dispute. Please remove comments. 

XXXX XXXX XXXX XXXX- Account paid- please remove comments. no disputes XXXX XXXX XXXX please remove comments ( never disputed anything ) ( XXXX entries -- XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - paid/closed -- please remove negative remarks XXXX XXXX XXXX XXXX Please remove comments- XXXX. XXXX XXXX XXXX XXXX - chargeoff removed by Creditor -- sent to all XXXX bureaus. Will submit proof. 

XXXX XXXX XXXX XXXX -failed to deduct payments when auto payment was setup. my banking info never changed. I always setup auto pay. This was only XXXX XXXX month and at the time, I had XXXX XXXX XXXX  mortgages, car note, credit cards and they all were paid on time, I always setup payments auto pay to avoid missed payments. I requested account to be closed. Please remove negative payment history.
Consumer complaint received 2022-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (IN)

I opened an Amex card through numerous offers sent to me about these different cards and no annual fees. The card they assigned me had a {$250.00} annual fee. The website, literature and terms are very misleading. I dont have credit issues and I dont use credit enough XXXX justify paying that kind of money to have a credit card. I have several and they have no annual fees. I did not see annual fee until I received a statement on XX/XX/XXXX asking for payment starting in XXXX. Amex say it was billed in XXXX but that doesnt make sense and the statement shows otherwise. I cant pay for something I cant see. They told me I missed deadline to cancel by three days. I guess Im supposed to be psychic and know what statements will say In advance. You can see I only signed up for account access on XX/XX/XXXX. I have tried to resolve this issue with company to no resolve. I just want to cancel unused card and terminate
Consumer complaint received 2022-07-13
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. (NJ)

This complaint is to follow up on any response from Equifax after days of investigation. As I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information. Right now, I am not satisfied that Equifax has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining items need proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation of the following accounts :, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-12
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. (GA)

In accordance with the Fair Credit Reporting Act.Everthing has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate? The amount is inaccurate as well.This is ground for removal.They also violated my rights.Under 15 U.S.C. 1681 section 602 A.States I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-13
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my updated Credit Report, the incorrect information are still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i and 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (OH)

This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular records in my document discovered because of some inattention. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX Date of Inquiry : XX/XX/2021 ; XXXX  Date of Inquiry : XX/XX/2021 ; XXXX  Date of Inquiry : XX/XX/2021 ; XXXX  XXXX Date of Inquiry : XX/XX/2021 ; XXXX Date of Inquiry : XX/XX/2021 ; XXXX Date of Inquiry : XX/XX/2021 ; XXXX XXXX  XXXX Date of Inquiry : XX/XX/2021
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This complaint is to follow up on any response from Transunion after days of investigation. As I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information. Right now, I am not satisfied that Transunion has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining items need proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation of the following accounts : XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK XXXX, XXXX XXXX XXXX BANK XXXX
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My credit score had been increasing over the year XXXX as I paid off credit cards and my line of equity. I worked very hard and at the XXXX all my credit cards were clear AND by XX/XX/XXXX I had paid off a line of equity. It was no small thing because I paid more than what was due. 
My score from the beginning of XXXX was XXXX, which is in the excellent range. I checked every month and would see it go up a XXXX or XXXX. 
I paid off my equity line in XXXX In XXXX, I saw that my credit score dropped from XXXX to XXXX, and then a month later to XXXX. I tried like mad to get in touch with XXXX, to no avail. 
The " information '' that was on my credit report was vague, it did NOT address why my score dropped. It would speak in generalities of why a score might drop, such as missing a payment which I ASSURE YOU WAS NOT THE CASE. i have been guarding my credit like mad these days as I hope to be able to buy a desperately needed newer car. 
In XXXX I went nuts trying to get any info from XXXX, as their writing was so general and none of the negative things they said applied to me. there was no hits on my credit report, I did not add to my debt in fact, it said i had a lot of credit and low use. I NEVER got any response from XXXX, not by email, not in writing, not by phone. I asked they please call me but these folks are living in the XXXX XXXX 
I inquired at my credit union about my score dropping and they wrote specifically how that would impact my loan should I apply. I would NOT get the best rate but the second best one. In this time of rising interest rates that can be a big difference in payments and paying back a car. Please will CFPB look at the two documents I hope I'll be able to upload which explains what they say about how the score change will impact me. I paid off my equity loan in XXXX, but the bank there increased my limit. I DID NOT ASK FOR THAT AND IN FACT DO NOT LET ANYONE LOOK AT MY CREDIT REPORT. BUT YOU CAN'T CONTROL THESE " SOFT '' REVIEWS AND IN FACT, THREE TIMES BEFORE MY CREDIT SCORE DROPPED IT WAS XXXX WHO LOOKED AT MY REPORT THREE THREE THREE TIMES IN ONE MONTH. WHAT IS THAT ALL ABOUT? I THINK THERE IS SHENANIGANS WITH XXXX, AND I BEG YOU PLEASE DO SOMETHING, DON'T JUST SAY OH WE'LL SEND THEM A COPY. THIS COMPANY IS BAD NEWS AND THEY DON'T PLAY BY THE RULES THEY JUST DO AS THEY PLEASE.
Consumer complaint received 2024-08-28
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: Experian Information Solutions Inc. (NC)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (OH)

( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and A proper investigation was not done. The following accounts were verified as accurate on XX/XX/2022 however they are incorrectly reporting XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX ) XXXX XXXX Original Creditor XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX
Consumer complaint received 2022-09-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Portfolio Recovery ( PRA ) stated that they hold all required license to do business. Upon my own research I found PRA does not have a collection agency license in NV. I have asked Portfolio Recovery several times to show their license as their right to conduct debt collection activity in NV and they have not. They just keep saying they " hold all required licenses ''. 

This is a blatant lie and misrepresentation of facts in an attempt to collect a debt which is a violation of the FDCPA. Also pursuant to XXXX XXXX a debt collection license is required to operate and conduct the business of a collection agency. Portfolio Recovery is in noncompliance with FDCPA and NV state law. Covered persons are prohibited from engaging in any unfair, deceptive, or abusive act or practice '' in violation of the CFPA. 12 U.S.C. 5531 and 5536 ( a ) ( 1 ) ( B ).