davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX00}
Consumer complaint received 2023-01-19
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-31
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: Experian Information Solutions Inc. (PA)

I sent a complaint off XX/XX/XXXX of XXXX. I told Experian to " investigate every piece of information '' on the account I have listed below. According to the FRCA the term " Investigate 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 other with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified and accurate, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on this account are still not reporting XXXX XXXX accurate. I can see that the payment reporting history is all inaccurate and illegal. According to the FRCA 15 USC 1681, everything has to be XXXX XXXX accurate. Creditor : XXXX XXXX XXXXXXXX Account # XXXX
Consumer complaint received 2022-06-30
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: EQUIFAX, INC. (AR)

In accordance with the Fair Credit Reporting act the account below 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 states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX {$760.00} open balance Opened XX/XX/2022 Placed for collections
Consumer complaint received 2020-05-05
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$0.00} XXXX XXXX {$700.00} XXXX XXXX  XXXX {$1800.00}
Consumer complaint received 2022-04-26
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. (TX)

The collection company has illegally reported THE SAME ACCOUNT TWICE WITH TWO DIFFERENT OPEN DATES on my report which is against federal laws! 


I have reported that an investigation be done for this collection account under the name of XXXX XXXX XXXX XXXX. I've never had an account with the company nor XXXX. I asked the debt to be validated and they failed to do so within 30 days. I sent a copy of that to the 3 major credit reporting agencies and they failed to remove the account and said the account was verified AFTER i sent in all proof of this account being fraudulent. More importantly it is illegal to reage debt and list the same account twice on a report with TWO DIFFERENT OPEN DATES. I HAVE ATTACHED PROOF OF THE CPAMY DOING THIS AND THE 3 MAJOR CREDIT COMPANIES STILL DID NOT REMOVE THIS FRAUDULENT COLLECTION ACCOUNT
Consumer complaint received 2022-04-26
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (MN)

On or around XXXX XXXX, an collection hit all 3 credit beaus with an account that is not mines and I have been a victim of identity theft in the past and has been working really hard to keep my name clean. The amount of this collections is {$490.00} and originates from XXXX XXXX XXXX.
Consumer complaint received 2021-10-18
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

Since XXXX I have attempted to get my credit reports to reflect accurate information. I contacted the creditor, who provided letters. I have had these updated and removed due to them being too old and XXXX has made me write and call in multiple times. I was told by one supervisor, XXXX that he would place an expedited request to have it removed as it was too old to report on XX/XX/XXXX. Then on XX/XX/XXXX my credit report showed there was no update. I contacted them and spoke to XXXX XXXX who told me that the creditors letter did NOT state the date of delinquency was XX/XX/XXXX and that XXXX can report up to 7 years after the account is closed. Well if that is the case, the account was closed on account # XXXX on XX/XX/XXXX so they are long past the 7 year time frame then! Also, the account ending in XXXX was closed XX/XX/XXXX and the account ending in XXXX was closing XX/XX/XXXX. So I am respectfully requesting that XXXX remove the old negative information now as the timeframe is 7 years from the first date of delinquency and even if they wanted to take the account that was paid on XX/XX/XXXX, that XXXX in MN ran XX/XX/XXXX, so anything else was time barred if it would not have already been settled.
Consumer complaint received 2021-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (OH)

I have received a notice of foreclosure from Plaza Home Mortgage. 

In XXXX, I purchased a home through XXXX XXXX to whom I made XXXX 's payment ; after XXXX month, the loan was sold to Plaza Home Mortgage. I made XXXX 's payment to Plaza Home Mortgage. I received a letter letting me know that the mortgage had been sold again to XXXX XXXX  with payments being made to them for the XXXX mortgage. 

I received a statement for the XXXX billing from Plaza ; I called Plaza and let them know that the mortgage had been sold to XXXX ; I was told that this would be resolved. I received a statement for the XXXX billing, and again I called Plaza. Once again, I was informed that this would be resolved. I received a statement for the XXXX billing, and as in prior months, I called Plaza. I was told specifically by the collections representative to whom I spoke that she had " opened a ticket to get this resolved '' and she assured me that by opening this ticket, the situation would be resolved, and I would not get any further statements. I guess, since I received a collections notice for XXXX  months mortgage, along with a foreclosure notice, that this was also not correct. 

I have attached XXXX documents : 1. The XXXX bill received from Plaza, which shows that the loan was paid in full on XX/XX/2021 2. A copy of the foreclosure notice. 
XXXX. A statement of all transactions made to XXXX- which also shows that payment that XXXX made to Plaza Home Mortgage. 

As you can see from the XXXX document, all payments have been made on time ( and in most cases early ) to XXXX.
Consumer complaint received 2021-06-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

I signed up for Coinbase and Coinbase Pro on XX/XX/XXXX and withdrew {$2000.00} for Coinbase and {$1000.00} for Coinbase Pro. The money was deposited with Coinbase.com XX/XX/XXXX. I checked my investments several time XXXX and then attempted sign-in on XX/XX/XXXX x3. I was unsuccessful so changed my password. At 2-factor verification, it was clear that the phone number was not mine. So I reported it in their help section. I reported it again after it was not clear it got submitted and received an email back XXXX saying they would get back to me in 5-7 days. On the XXXX I began emailing them and eventually found that my case had been closed on XX/XX/XXXX. No explanation So I refiled on XX/XX/XXXX. Have heard nothing since except the obligatory " we'll get back to you 5-7 day '' email. I'm out {$3000.00} and a business on the XXXX with millions in investments should have better methods for dealing with obvious virtual issues or at least admit there is a huge problem.
Consumer complaint received 2022-06-30
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 n 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 XXXX more than 21 times. XXXX 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I'm XXXX XXXX, XX/XX/55, & I'm reading that Equifax reported to me that my credit score went down 59 points for a {$270.00} XXXX increase ; which by the way I paid off in full back in XXXX ... so obviously this 59 point drop reason doesn't even exist ... ... .Then later after you pass the reasons for the dropping changes in my score, you can scroll on down to where Equifax actually posts XXXX credit card with a XXXX balance ... I've been trying for over 4 years to get Equifax to update my file with my XXXX year old mortgage balance but they keep reporting " I don't have a mortgage '' & then they say it would look better for my credit if I had a mortgage!!! They are crazy, incompetent, fraudulent, & never up-to-date ... .plus every time I try to contact them I can never get thru all the stupid crazy privacy hoops you have to jump thru ... ..not only do they not keep their files correctly updated, but they lowered/ruined my credit score with false info & they make it impossible to get it changed/corrected ... .They falsely print wrong info to ruin your score.. They've also reported that I have an outstanding {$360.00} balance on my XXXX XXXX XXXX card ; but I also paid it off in XXXX..I try to go thru proper channels & file disputes, but they take weeks to process their disputes ... .They are very damagingly, unprofessional & need to either be corrected or shutdown Image XXXX XXXX XXXX
Consumer complaint received 2022-04-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

VALIDATION OF ACCOUNT Account # : XXXX To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company $ XXXX. This letter is being sent to you in response to an entry made on my Credit Report dated [ date ]. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX  or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 4. What was the original date of delinquency for this account? 5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 6. What did you pay for this account, and how did you calculate the current amount owed? I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.
Consumer complaint received 2023-05-08
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. (HI)

Dear Transunion, THE FOLLOWING CLAIMS INJURIOUSLY REPORTED VERSUS ME FAIL TO MEET MINIMAL FEDERAL REQUIREMENTS TO REPORT LEGALLY SO I HERE NOW ENACT MY CONSUMER RIGHT TO CONTEST AGAIN THE REPORT-ABILITY OF EACH NOTED UNCONFIRMED CLAIM BELOW AND MY CHALLENGE IS FOR THE DEMONSTRATION OF THE FACTUAL AND TESTIFIABLE CERTIFIED COMPLIANT REPORTING PROCESS AND THAT THE MANDATED ADHERENCE TO THE PERFECT " METRO 2 '' FORMATTED REPORTING STANDARD WAS IN FACT OBEYED!! ANY DEVIATION INCLUDING OMMITANCE OF REQUIREMENTS, BRINGS TO CONCERN REPORTING OF INFORMATION NOT ETHICALLY AND OR EVEN UNLAWFULLY DONE SO! 

DELETE NOW OF DOCUMENT THE CONFIRMED FACTS FOR EACH : XXXXXXXX XXXX XXXX XXXX ALLEGED CHARGE OFF XXXX XXXX XXXX XXXXALLEGED CHARGE OFF XXXX XXXX XXXX XXXXALLEGED LATE PAYMENTS IN ACCORDANCE WITH THE FCRA SECTION 611 ( 15 U.S.C 1681 ( I ) AND IN ACCORDANCE WITH THE ACCEPTED OF METRO 2 DATA FIELD REPORTING , I AM HERE NOW ENACTING MY RIGHT ( S ) TO CONTEST QUESTIONABLE AND OR CLAIMS ALLEGED, YET STILL UNPROVEN TO BE EACH TRUE, CORRECT, DOCUMENTED AS VALIDATED AND OR ELSEWISE UNDENIABLY CERTIFIED COMPLIANT INFORMATION INCLUDED ON MY PERSONAL TRANSUNION CONSUMER CREDIT REPORT. PLEASE STOP REPORTING ANY ALLEGATION OF DEROGATORINESS AND OR DELINQUENCY WITHOUT FACTUAL DOCUMENT PROOF. 
PER FEDERAL AND APPLICABLE REPORTING LAWS OF MY STATE, YOU MUST REPORT WITH GREATEST COMPLIANCE AND ACCURACY. 
I REQUEST AGAIN PHYSICAL AND DOCUMENTED PROOF OF YOUR ADEQUATE INVESTIGATION AND THEN PLEASE SEND ME MY UPDATED PERSONAL CREDIT REPORT FOLLOWING YOUR CORRECTIONS. THANK YOU
Consumer complaint received 2021-09-09
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. (WA)

I am a XXXX  mother who is trying to refinance a mortgage right now so that I may have a roof of my families head, but my mortgage is too expensive. If I refinance my housing payment will be much more affordable as I have been financially impacted due to covid-19. My mortgage broker recently contacted me stating that I would not be able to refinance my home ( {$1000.00} a month difference ) because of inaccurate information left on my credit report ( s ) by XXXX XXXX for child support. I am current on my payments, never have been late. Any late payments listed are inaccurate and should be deleted right away. I am complaint to the CFPB because I am being given the runaround by XXXX stating I should file a complaint with the bureaus, which is not correct. The bureaus are the ones who publish the information that is reported to them by data furnishers such as XXXX. I am requesting that XXXX, XXXX, and TransUnion investigate my file as I am disputing the attached items and XXXX should correct the reporting right away that it has sent to the bureaus before a lawsuit indeed is filed, which XXXX will be required to pay my legal fees for inaccurate credit reporting. I do not care if XXXX is a government agency, this is my 30 notice of intent to file a lawsuit. Alternatively, the negative information needs to be deleted before all parties including the bureaus are involved in a lawsuit pursuant to the FCRA. Kindly consider this my request to remove this inaccurate information I have never been late. This is causing me a lot of XXXX  and XXXX  and I do not know why I must spend so many countless hours trying to fix the mistakes caused by all the parties listed on this complaint.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-09-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lendmark Financial Services (FL)

Lendmark Financial Services has not provided me with and document with my wet signature giving them permission to report ANY information to my consumer report. I, XXXX XXXX am enforcing my rights to privacy as a consumer under 15 USC 6803 a 1. They did NOT exercise their grave responsibility, they have been unfair, and were partial in the matter under 15 USC 1681 a 4
Consumer complaint received 2020-05-06
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. (NJ)

XXXX XXXX XXXX reported a charge off on a lease that was returned over a year ago. 
the unscrupulous dealer ( XXXX XXXX  NJ ) advised at the lease end that any fees would be adjusted based upon the fat that I had 3 leases with XXXX all in good standing. 

XXXX reported it as a charge off this is unfair business practices as their dealer stated no charges were due at lease termination.