davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-11-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC (NY)

Dear CFPB, This complain is about follow up of the complain that was filed by me on XXXX summery, my mortgage and heloc was servising by XXXX XXXX XXXXXXXX XXXX XXXX ) and after FOREBRANCE ended after covid i applied for modification and my both loans ( Mortgage and HELOC ) was approved for modification at rate of 2 pecent for life of the loans both.but after i was ready to sign and return the document, XXXX advised me that they sold or transffered the loans to SELENE.THEY SAID THAT THEY WILL TRANSFER THE DOCUMENT TO SELENE AND SELENE WILL HONOR THEM.and i shoud contact them after XXXX or XXXX OF XXXX AND I DID. 
Thy said they havnt recievd it yet .i called so mant times and finally they said i shoud apply for modification since because of so much money past due they may start for foreclosure.I applied for both loans and they honored only the HELOC at 2 PERCENT .BUT THEY DD NOT HONORED THE ORIGINAL MORTGAGE.I complained and the rep. said they must honored both .and i had to apply again, they approved but with rate of 5.5 percent.i made so many calls but they ignored and been forced to pay over {$1000.00} in interest every month since XXXX XXXX.me and my husband diagnosed by me XXXX  and my husband XXXX  and both had a hard XXXX XXXX XXXX. 
selene asked for 60 days to provide info. they provided wrong and false result.my both loand was approved for modification at 2 percent by previous motgager and i have all the info and document to proof it.Dear CFPB, PLEASE ASK SELENE TO HONOR THE APROVAL ATHAT WAS TRANSFER TO THEM.TTHEY BEEN MAKIG FASE INF TO YOU AND THEY MUST BE HELD ACCOUNTABLE AND RETURN ALL THE ADDITIONAL INTEREST THAT THEY COLLECTED XXXX XX/XX/XXXX TILL NOW. 
THANKS SO MUCH.XXXX XXXX
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (FL)

In Accordance with the Fair Credit Reporting Act, 15 U.S.C 1681 section 602A states that I have a right to privacy.

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

I did not give anyone written instruction to report the account listed below to my credit report. 

XXXX  XXXX - XXXX
Consumer complaint received 2022-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Seattle Service Bureau, Inc (KY)

On XX/XX/22, I purchased a washer and dryer set from XXXX. I made the purchase online using my credit card. I am attaching the purchase for reference. 

On XX/XX/22, I went to XXXX to make a purchase and was told that there was a hold on my account. After a lengthy discussion with managers I was told that there was an issue with payment on my previous purchase. I was told that they had already sent this order to collections. I informed XXXX that I had received no notification on this so this was all news to me. I then spoke to the Store manager of the XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX ). I emailed XXXX at XXXX the copy of my receipt. 

I've asked numerous times over email for someone from XXXX to call me and have not received a call. 

I received notification in the mail last week from National Service Bureau , Inc . I responded back that this is not my debt but have not heard anything.
Consumer complaint received 2024-10-24
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. (TX)

I received an alert from Experian Credit Reporting that an inquiry was placed on my credit file. Due to the fact that I have no access to the company that placed an inquiry on my credit report, I contacted Experian Credit Reporting on XXXX at approximately XXXX. 
I spoke with an representative XXXX, and informed her that I was calling to dispute an Inquiry from a XXXX XXXX. I let her know that I have not applied for any credit since XX/XX/year>. We started to advise me to contact the company that placed the inquiry and that there wasn't anything she could do. 

I informed her that I did not have any information about XXXX - XXXX XXXX, that I do not know how they obtained my personal information, and this is why I was contacting them to assist me with disputing the Inquiry. XXXX XXXX goes on the state that the XXXX would stay on my credit report for 2 years, that I can contact the company, ask them about it and have them to contact Experian. 

I know that I have Consumer Rights under the XXXX.
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute of Inaccuracies on Credit Reports Regarding XXXX XXXX  To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit reports concerning an account with XXXX XXXX  XXXX The information reported by XXXX, XXXX, and TransUnion reflects inconsistencies and misrepresentations that are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Specifically, my concerns are as follows : Misrepresentation of the Credit Limit : My credit report lists a credit limit of {$6900.00} for the XXXX XXXX account. However, this account has been charged off and is no longer active. Listing a credit limit on a charged-off account constitutes a misrepresentation, as I am unable to utilize this credit line. 
Misleading Available Credit : XXXX inaccurately reports that I have an available credit balance of - {$2300.00}. This figure is misleading and mathematically incorrect, creating confusion regarding the true status of this account. 
The reporting of a charged-off account with an active credit limit and misleading available credit figures violates my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits the use of false, misleading, or deceptive representations in connection with the collection of any debt. 

The credit reporting agencies ' failure to ensure the accuracy of the information provided to them by XXXX XXXX  and their subsequent misrepresentation of this account also violates 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 

Requested Resolution : I demand that the Consumer Financial Protection Bureau intervene to : Investigate the inaccuracies regarding the XXXX XXXX  account across all three credit reporting agencies. 
XXXX XXXX, XXXX, and TransUnion to correct or remove all misrepresentations related to this account, including the reported credit limit and available credit. 
Provide me with confirmation of the corrections or deletions made to my credit reports. 
I have enclosed copies of my credit reports highlighting the disputed information, as well as supporting documents demonstrating the misrepresentation. 

Please take immediate action to address these violations of my consumer rights. I look forward to your response within the 30-day timeframe mandated under the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-19
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. (ND)

on reviewing my reports, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XX/XX/XXXX and XX/XX/XXXX was XXXX,, but no response was ever received from them today date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports that need to be corrected and removed in my file immediately : { Account # XXXXXXX= XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX.
Consumer complaint received 2022-10-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I filed 3 separate complaints about inaccurate information on my consumer report on XX/XX/2022, Complaint # XXXX Experian ; Complaint # XXXX XXXX ; Complaint # XXXX XXXX. All 3 of the mentioned CRAs have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ). Furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) for those accounts, in violation the FCRA 623 ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( a ) ( 5 ) Under the FCRA, the updates have not been completed within the 30 days that are allotted before CRAs are in violation of the FCRA. Due to the lack of prompt action and continued inaccurate and/or not complete information continuing to be furnished on my consumer report, I am requesting the specific updates and deletions. Please see my instruction in the resolution section
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had a loan with XXXX XXXX XXXX XXXX I had zero issues with XXXX. Then they sold off all of these loans to a company called XXXX XXXX XXXX  and it has been a nightmare ever since!! They report my loan 30 days past due every 10-12 days. I have been paying them every single month. Since XXXX of XXXX  until now XXXX  has not responded to any of the 30 emails sent. Their reps when you call are cluesless and rude and do not fix anything. They are destroying my credit while i am paying them. Which is ridiculous and they refuse to fix the problem. I have filed disputes with Transunion and XXXX and sent documentationa and they have not fixed either. This company does nothing. I find it strange that I had zero problems with XXXX  XXXX  and now there are thousands of complaints since sell off to XXXX  XXXX. This company is a disgrace and they should not be able to report anything, Also online you can not see previous statements nor can you look up more than past 6 months of payments. This is fraud and a scam
Consumer complaint received 2024-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2022-09-07
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. (TX)

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 XXXX. 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 XXXX 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 XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-05-03
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. (GA)

Experian report # XXXX dated XX/XX/22. 
I have contacted dispute agents at Experian on XX/XX/22, XXXX different individuals including XXXX supervisor to dispute the soft inquiry titled " XXXX '' wich was accessed on XXXX andXX/XX/XXXX.The agents state an dispute can not be initiated. 
Under XXXX XXXX one must have permissive permission to access ones credit report with identifying information as to whom is accessing the report.As you can see as clearly as the nose on your face this is not the case on the enclosed report # XXXX I demand that this information be available to me.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I had a loan with XXXX XXXX XXXX XXXX. I had XXXX issues with XXXX. Then they sold off all of these loans to a company called XXXX XXXX XXXX and it has been a nightmare ever since!! They report my loan 30 days past due every 10-12 days. I have been paying them every single month. Since XXXX of XXXX  until now XXXX has not responded to any of the 30 emails sent. Their reps when you call are cluesless and rude and do not fix anything. They are destroying my credit while i am paying them. Which is ridiculous and they refuse to fix the problem. I have filed disputes with XXXX and EXperian and sent documentationa and they have not fixed either. This company does nothing. I find it strange that I had XXXX problems with XXXX XXXX and now there are thousands of complaints since sell off to XXXX XXXX. This company is a disgrace and they should not be able to report anything, Also online you can not see previous statements nor can you look up more than past 6 months of payments. This is fraud and a scam
Consumer complaint received 2022-05-03
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. (SC)

Accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list
Consumer complaint received 2024-08-25
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. (GA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

Fair Collection & Outsourcing has tried multiple times to collect on a debt that is not mine. They have sent notices to addresses where I do not reside and a number of their notices have had different incorrect iterations of my name. When contacted they press me for additional personal information. I have tried working with the company that initiated the debt, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, but I have been unable to verify that they are an active and legitimate business. I have never lived and or visited the the state where this apartment is located. I have filed a police report for identity theft and I have notified all three credit reporting bureaus.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account number : XXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I Have reviewed my credit Report and found some inquires that I did not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion XXXX, XX/XX/XXXX, Transunion XXXX XXXX XXXX XXXXXX/XX/XXXX, Transunion
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.