davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-11
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: EQUIFAX, INC. (GA)

The following accounts are fraudulent and unknown and unauthorized by me. Thess accounts has been appearing and reporting on my credit files. Im demanding the removal of these fraudulent accounts. Please remove the following. 

1. XXXX XXXX {$300.00} 2. XXXX {$1000.00} 3. XXXX XXXX {$500.00} 4. XXXX XXXX {$500.00} 5.XXXX  XXXX  {$60.00} 6. XXXX XXXX {$470.00} 6. XXXX XXXX {$310.00} 7. XXXX XXXX {$730.00} 8. XXXX XXXX {$160.00} 9. XXXX XXXX {$110.00}
Consumer complaint received 2020-12-11
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. (FL)

Hello, I do not recognize these accounts. I believe I became a victim of identity theft. I am requesting that you delete information off of my credit report that isnt mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.
Consumer complaint received 2022-12-12
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. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-03
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. (NH)

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, XXXX XXXX, 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 an account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-05-02
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. (OR)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, XXXX and 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 2020-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (AR)

For several months, I have attempted to cancel PMI on my single-family residential mortgage with Round Point Mortgage. I have twice been misinformed by RPM personnel regarding the requirements, and today was informed of the denial. 

Because of the ongoing financial challenges and uncertainties due to the COVID-19 pandemic, I was in the RPM mortgage forbearance plan since the Spring. However, I was able to use my pandemic unemployment and other means to keep my mortgage payments generally current since that time. When RPM offered the plan to me, I was told by that customer service agent " no reporting '' - which to me means for ALL credit reporting agencies. I was NOT told that any 30 day late payments would subsequently jeopardize my loan payment history with " the investor '' ; i.e., XXXX XXXX. That was a booby trap setup by RPM. 

Notwithstanding the practical challenges of the surviving the pandemic, I made economic choices of balancing payments - mortgage vs credit card balances? - based on the information RPM stated to me regarding their forbearance plan. In addition to keep my mortgage generally current, I knew that I needed to also reduce credit card balances to be able to keep my credit score ( s ) high enough for a successful refinance. I should now be able to reduce the APR by almost half. 

I was told during a telephone conversation with an RPM customer service agent on XX/XX/XXXX that by making an additional mortgage payment ( for XXXX ), bringing the account current ; and, by getting off of the RPM forbearance plan, I would be able to have PMI cancelled. I had already made the XXXX payment on XX/XX/XXXX. I submitted the required documentation / request as instructed by the XXXX agent, and was told to expect an appraisal soon. My home 's value has increased significantly, so the loan balance -to- appraised value is well below the 80 % threshold, which the agent agreed with based on our views of it on XXXX. 

Despite this assurances and information provided BY RPM PERSONNEL, I was forwarded the denial letter today as part of a telephone discussion with an RPM " Customer Advocate Specialist ''. 

The bottom line is that RPM set me up to allow themselves and/or their " investor '', XXXX XXXX, to improperly continue to collect about {$170.00} per month in PMI, despite the fact that I've qualified for PMI cancellation for many months.
Consumer complaint received 2022-05-01
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. (NC)

In accordance with the Fair Credit Reporting act XXXX 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 2020-12-11
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: CURO Intermediate Holdings (ND)

This account was opened by someone else using my information theres no way of proving that the speedy cash they keep verifying it is accurate but how can I prove that it wasnt me it was someone using my information. And how does the account balance Continue to increase by one dollar then decrease by one dollar every month? when I am not paying a dollar? is is some sort of unethical business practice? Just proves that I have no control over the account because I didnt open it.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (UT)

I have been disputing items on my credit report with ALL 3 of the bureaus and NONE of them have responded to me. I have been denied financing and it is because there are errors on my credit report that THEY are reporting! I have contacted the Attorney General in their state of operation and you, the CFPB should be ensuring that they are doing what they are supposed to do under the law. They need to remove the errors I have been disputing!
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), Pursuant to 15 USC 1681b ( a ) ( 2 ), Pursuant to 15 USC 1681c2 ( a ) ( 2 ), MY RIGHTS AS A FEDERAL PROTECTED CONSUMER HAVE BEEN VIOLATED. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2022-10-12
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)

I submitted a letter to the Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (NJ)

In XXXX, I rented a XXXX XXXX XXXX and paid monthly, then quarterly payments in a sufficient timely manner ( auto pay from XXXX, then auto pay from online banking ). For some reason they had a hickup in colllecting and missed a month or two in " XXXX ''. When I caught up ( for around {$36.00} in payments ) they hit me with a {$900.00} late fee. I questioned and resolved shortly thereafter. Each time I renewed the lease on the machine, I asked, and they assured me, that my account is up to date, paid in full. So I continued with the rental program every few years until one day, in XX/XX/XXXX, they asked me to return the machine because I owed them money. I was surprised and confused. The people at XXXX said they terminated my contract and, my account was XXXX. I returned the machine and then a credit collection agency started hounding me for {$1200.00}. I never had this problem. This person XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) asked me to prove payments from XXXX and that she would resolve the account. I sent her the evidence and she then said my contract is owed through XXXX ( recall, I was forced to return the machine ). Threats are not something I am used. Her tone was abusive. She can ruin my credit and possibly place a judgement against me. THIS IS TANTAMOUNT TO CONSUMER FRAUD. Please help.
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Someone has taken complete control of my identity .I have been getting Notification that the same companies keep sending credit Bureaus request for my credit report .I have not applied to any of the companies that is on this report and not sure who has my personal information and how there able to use it free will.I have been trying to contact the credit bureaus by phone trying to explain this issue but as if today they have not been able to resolve the issue .Please please help me take back my life this has been a nightmare.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I purchased a used vehicle at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX and told them ONLY run my credit with XXXX XXXX XXXX. I got the loan through XXXX no problem. BUT THEY RAN MY CREDIT THROUGH 3 MORE BANKS. 

Now I have inquiries for years I did not authorize.
Consumer complaint received 2022-07-28
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. (MI)

Hi I am submitting this 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-01
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos )XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) 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 2021-11-16
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. (TX)

Notice, it is a fact, CFPB is not investigating how EXPERIAN is handling my consumer complaints. Keep allowing EXPERIAN to use the no authorization to do anything. 
That is exactly my complaint who gave EXPERIAN any authorization to use or report information on my report, even worse a unsubstantiated assertion. It is a fact EXPERIAN has discovered this filing process is all electronic and no actual human is overserving the process and all they got to do is manipulate the system with responding by code delay, or stating they do not recognize the account. Attached is a copy from EXPERIAN of the account reporting on my report. All these denials is just now exhibits for the deception from EXPERIAN.
Consumer complaint received 2020-12-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (IL)

Upon checking my credit I noticed that this collection had been added to my report! I have never heard of this debt collector. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 8 times within the last 60 days. ( Calls were recorded )! To find out more information and to dispute the account. I was transferred amongst departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've married or divorced any aliases I might have used and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted and harassed. The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. If the agency doesn't follow this process then they have no rights or grounds to collect or report the debt to any credit bureaus and must immediately remove the debt from the consumers credit report. The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail. I have never done business with a company called TD BANK USA/TARGETCREDIT XXXX XXXX XXXX nor have I ever signed a contract with them so this debt is fraudulent and frivolous. It needs to be deleted effectively immediately with all major credit bureaus. No collection agency can report past due balances, dates of past due balances or payment history. This company has violated several FCRA regulations. Delete immediately or I will contact my attorney to proceed with legal action. This account does not belong to me! I have no idea who this company is. Delete any and all of my contact information effective immediately. DO NOT ATTEMPT TO EMAIL ME! DO NOT ATTEMPT TO CALL ME! DO NOT ATTEMPT TO CALL RELATIVES! DO NOT ATTEMPT TO REACH AN EMPLOYER! SEND ALL CORRESPONDENCE AND PROOF OF DELETION TO MY MAILING ADDRESS ONLY! DO NOT ATTEMPT TO CONTACT ME OR ANY OF MY FAMILY MEMBERS VIA TELEPHONE, EMAIL OR EMPLOYER!
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

According to the Fair Credit Reporting Act. 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). You are required by federal and state laws to verify thought the physical verification of the original signed consumer contract.Under FCRA, unverified accounts must be removed and if you unable to provide me with a copy of verifiable proof. 
XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Acoount XXXX XXXX XXXX I was Never Late these inquiries to avoid any confusion as I DID NOT initiate these inquiries or give any form of consent electronically, in person, or over the phone.XXXX XXXX XXXX on XXXX The XXXX XXXX on XXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX
Consumer complaint received 2022-06-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (MN)

There is a charge on my card for a large amount for a trip. We have never gone on this trip. I have called several times and told them it is fraud and they keep sending me bills and calling. I have disputed this several times on line and also by phone. They just say they will check into it. Still bills come and phone calls all day long. They have also been adding late charges.
Consumer complaint received 2021-08-03
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL INC (IN)

I contacted the company listed on my credit report as owning my student loan debt. I was incarcerated for 6 years and a power of attorney did or didnt properly handle some of my obligations, which ones and how they were handled I can not know. So I requested a detailed letter stating that I do owe the debt, payment history, and amount owed. I was told I couldnt be given this information due to privacy concerns. I was then advised to dispute the debt if Coast XXXX  couldnt or refused to prove there was an outstanding debt and for how much. I disputed the debt and it was resolved in that nothing changed in my credit report. So I again contacted Coast XXXX  and asked for the previously requested information. I gave them my address and general contact information and was told they would mail me the information. This was multiple weeks to a month ago and I havent received the information. I feel I have a right to see information about the debt, that it is mine, that I owe on it, that it has or hasnt been partially, fully, or not at all paid. Can I be expected to start payments on something I cant see the details of and have only been explained over the phone? I am unsure. But I am also legitimately unsure how this was felt with by my power of attorney and therefore feel a need to verify the debt.
Consumer complaint received 2021-01-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX