davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

tried disputing/fixing with the company dire

ctly numerous times. never had any consent/permissible purpose to furnish accounts ( 15 use 1681b ). violation of my right to privacy.
Consumer complaint received 2020-06-04
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: Experian Information Solutions Inc. (TN)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX
Consumer complaint received 2023-03-28
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. (AZ)

I have been disputing an incorrect item on my Experian credit report since XX/XX/XXXX. Instead of investigating Experian continues to accept XXXX XXXX XXXX word for the incorrect item. I have personally requested that XXXX XXXX XXXX send ME verification of the account, such as, the name and telephone voice recording of who originally ordered the service from XXXX , the date of the request, the billing address given, and the name on the credit card securing the order. XXXX XXXX XXXX has NOT provided this information to me or to Experian. I have never received a bill for this account because I do not now nor have I ever had an account with them. I am XXXX years old under doctor 's care and the stress of this is further damaging my health. I have maintained excellent credit for more than 60 years. This incorrect collection on my credit report has knocked my FICO score down from XXXX to below 700. I keep trying to contact Experian about this, but their phone number takes me to a robot telephone loop. My complaint is about Experian AND XXXX XXXX XXXX. Because of my age, I feel totally taken advantage of that borders on elder abuse. I have no documents to submit, because I did not order this service, have never received a bill. I don't know how to upload my letters to XXXX XXXX XXXX or Experian. May I send you copies through the mail?
Consumer complaint received 2020-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX
Consumer complaint received 2022-07-31
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: Experian Information Solutions Inc. (NJ)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$3100.00}, {$20000.00}, {$5000.00}, {$16000.00}, {$15000.00}. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the enclosed information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit report you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Enclosed is a list of negative items that need to be re-investigated. 

Under federal law, you have XXXX days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$10000.00} -This is not my account. 

XXXX. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of {$3100.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$20000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$5000.00} -This is not my account. 

XXXX. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$16000.00} -This is not my account. 

XXXX. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$15000.00} -This is not my account.
Consumer complaint received 2020-10-09
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: Experian Information Solutions Inc. (MA)

Hi XXXX and how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA (FL)

I received a letter in the mail at my old address that stated that someone without my permission or authority applied for a Goldman Sachs Apple bank card. The letter stated that the application was reviewed and was denied because " there is an alert or freeze on your credit file ''. I had no knowledge of this application and did not authorize anyone to apply. I am a victim of identify theft and have had numerous attempts made to open accounts in my name.
Consumer complaint received 2024-11-06
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

2. I received the response in regards to the inquiries. The creditors have been contacted and notified prior to the initial complaint. The creditors noted, and they stated that they have no evidence that I initiated these inquiries, either written or otherwise, and could not provide me with a permissible purpose. As these inquiries are both unauthorized and unsubstantiated, I request they be deleted from my credit report. Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically, per section 604 ( a ) ( 3 ) ( f ), a consumer reporting agency may only furnish a report I initiated. No evidence supports I initiated this request, I request these inquiries be removed from my credit report as per section 611 ( 5 ) ( a ) ( i  ). *XXXX XXXX / XX/XX/2019, *XXXX  / XX/XX/2019.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CrossCountry Mortgage LLC (NC)

it started in XXXX when my wife passed away. i have a mortgage with this company and i called them after my wife 's passing and talked to XXXX XXXX a senior loan officer with the company and asked about a lower interest rate and payment since my income had dropped with my wife 's passing. he said sure they would work on it and they did and i started talking to XXXX another associate and was told by XXXX not to make XXXX payment which I did after it drug on and then was told not to make XXXX or XXXX payment so i waited and finally in XXXX i got an email with a revised mortgage plan and i looked at and sent it back. then i got a closing XXXX XX/XX/XXXX from XXXX XXXX another sales manager.i looked at and signed it and sent it back. then XXXX called me and needed a copy of my wife 's death certificate and i sent it to XXXX XXXX XX/XX/XXXX then i checked my email and it said that my application had been closed.with no explaination. i have called these guy 's several times with no response and emailed them several times with no response. now i find out that it shows a late payment for XXXX on my credit report. i made all the payment for XXXX on the phone to get caught up and mailed the XXXX payment the same day..i found out they told me not to make the payments so it would show on my credit report so that they could keep my business.I need some answeres to why suddenly they closed my application. i made payments to them for a year with non being late. i had the money to make the other payments but was doing what they asked me to do. need that late payment off of mt credit report.Thank you i need help with this issue.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2020-10-09
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: Experian Information Solutions Inc. (MA)

Hi XXXX XXXX XXXX XXXX XXXX ; and how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters  out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive disputed an item on my report over 3 times with transunion and they are not providing me with the proper investigation when I ask them how did they verify this item. There is an item on my report that says it was including in bankruptcy and reporting inaccurately, I explained to them I have never filed bankruptcy and this information is not accurate. They just come back and say that it is accurate ur will not show me the steps they took to reassure the accuracy of this account.
Consumer complaint received 2023-03-28
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: PENTAGON FEDERAL CREDIT UNION (TX)

I was in contact with Pentagon Federal Credit Union speaking with an associate that was assisting me on finding an account with them that is showing on my credit report. I told the associate I have no card with them and need my name taken off of any account with them because I have never done business there nor given my information to them. The associate asked for my social security, which I provided, and they could not find an account with my information on it. I told him it is showing on my report and he needs to find the account and remove me. Associate said he could not find anything and if I submit a dispute with XXXX the account will be taken off since there is not an account. I asked if there was any one else in his department that could look or take my information off and he told me submitting the dispute will do so. This call took place XX/XX/23 at XXXX XXXX  CST and took over 8 minutes. I began the dispute process and the outcome was a notice that Pentagon confirmed the information was accurate. This was over a month waiting to hear back when I was assured by the company that I was not attached to an account.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (SC)

The following accounts below are listed as a Charge Off on credit reports. XXXX - closed XX/XX/XXXX - {$2700.00} XXXX - closed XX/XX/XXXX - {$1000.00} XXXX XXXX  - closed XX/XX/XXXX - {$530.00} XXXX XXXXXXXX - closed XX/XX/XXXX - {$1700.00} XXXX XXXX - closed XX/XX/XXXX - {$460.00} XXXX XXXX  - closed XX/XX/XXXX - {$1700.00} XXXXXXXX XXXX  - closed XX/XX/XXXX - {$3300.00} Grain Technology - closed XX/XX/XXXX - {$690.00} XXXX XXXX - closed XX/XX/XXXX - {$230.00} **Above accounts show as Write Offs **
Consumer complaint received 2020-10-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (VA)

I have a medical bill from XXXX  which I am trying to resolve with my insurance company to pay. They requested additional information which I have provided but have yet to resolve the issue. 
The debt was acquired by a company called Phoenix Financial in the past few months : PHOENIX FINANCIAL SERV Phone : ( XXXX ) XXXX Business Type XXXX Street Address : XXXX XXXX XXXX XXXX XXXX City : XXXX State : IN Zip : XXXX They have been calling both my personal and business phone on a daily basis. Sometimes hostile in nature. For the past 2 months they have been adding new ( major ) derogatory marks to my credit report. While I understand that this can happen with a new collection agency acquiring debt, or a change in payment status, there has been neither in this case. This is clearly a tactic to push out the effective date of my debt on my credit report, and to damage my credit score. 

This can affect things where my credit worthiness is taken into account which can include not only purchases of a car or a house, but necessities such as insurance or deposits required for utilities. 

I think this is an unfair practice predatory in nature and possibly illegal.