davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Experian release my personal information after my XXXX XXXX was pulled by my local bank for a home equity line of credit on XX/XX/2022. Im now receiving calls from lenders on average of 50+ calls a day. Experian was never authorized to give anyone my home address, phone number or details of why my credit score was pulled.
Consumer complaint received 2022-09-07
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. (OH)

I received an alert that my credit score had dropped. When I called Experian, they stated that I was more than 150 days late on payments in XXXX. I asked them why you are reporting on something last year. They said that XXXX reported it. I called XXXX, and they stated that no one had reported my account as late for this year. XXXX noted that I had late payments in XXXX but nothing for this year. XXXX said they would send me a letter and let Experian know that I have not been late on any payments for XXXX, and they have not reported a negative on my account. When Experian settled my dispute, they said XXXX said I was still late. When I tried to look at my history for the late payments, Experian blocked that view. They reported my payments as late and dropped my credit score by XXXX  points. I have no payments due currently after I lost my job. Between Experian and XXXX, someone is damging my credit score on purpose. When I was going to dispute with the other two credit agencies ( XXXX and XXXX ), there were no late payments to dispute. Experian dropped my credit score by going back to XXXX.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit Reporting Act XXXX TransUnion XXXX has violated my Federally protected Consumer rights In accordance with the fair credit reporting act Has violated my federally protected Consumer rights to privacy And Confidentiality Under 15 USC 1681 According to The 15 U.S.C 1681 section 602 A states I Have a right to privacy These addresses do not belong on my Credit report
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, XXXX and Transunion are reporting inaccurate information. I sent a letter on XX/XX/22 about an inaccuracy on my credit report. There is a collection that was paid off, but XXXX is reporting it even though there's an agreement with the original creditor to delete once paid. The account they are reporting is also a violation of XXXX. Unauthorized inquiries are being reported by all XXXX credit bureaus. Please delete the inaccurate account and unauthorized inquiries. The letters that were mailed are attached listing the items to remove. The collection account to remove is XXXX XXXX XXXX XXXX the account number is XXXX. Please reference the attachments for the unauthorized inquiries.
Consumer complaint received 2022-09-07
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C. ( a ) ( XXXX ) 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 crime which antedates the report by more than seven years.

15 U.S.C 1681XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-07
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. (LA)

i have 8 inquires on XXXX that shouldnt be on my report, i have 3 inquires on XXXX that shouldnt ne on my report, and 5 on experian that shouldnt be on my credit bureae period,
Consumer complaint received 2022-06-28
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX 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 states : A consumer reporting agency can not furnish an account or account information without my consent
Consumer complaint received 2022-04-23
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. (NY)

So I wasnt even made aware by XXXX XXXX that my account was delinquent or past due. By the time that I was notified it was already reported to the credit bureaus. Since then grain has been misinforming inaccurate information as resulted decrease in credit score. They already had since withdrew funds from my external account that was used I order to received or removed from account. Since then a payment arrangement to pay off balance ( after waiting to hear back from XXXX either via phone or via email ) as well as made just recently as well as a payment arrangement that has since been signed and accepted both myself and XXXX XXXX. Then report was made by XXXX stating my is still delinquent by XXXX days after was payment arranged.
Consumer complaint received 2022-09-07
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: TD BANK US HOLDING COMPANY (CT)

In XXXX XXXX  and XXXX XXXX it was reported that I missed a {$5.00} payment on my target credit card. The fee 's then amounted to about {$200.00} without any of my knowledge. Automatically, my credit score dropped from 760 to the 680 's because delinquent status. I contacted target and their vice president, but they weren't able to do anything. I'm in XXXX school and my credit score is low. I was wondering if these marks can be removed. I missed 3 low payments and I want to buy a home soon, but I'm afraid my credit score won't do me any justice. I have made all other payments, but this one mistake caused me to have a low credit score. Any help would be appreciated.
Consumer complaint received 2022-04-23
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. (SC)

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX acct # 1943 has violated my rights. 
In accordance with the fair credit reporting act, XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX  acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX  acct # XXXX has violated my rights.
Consumer complaint received 2022-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT

MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as poss
ible.
Consumer complaint received 2022-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDEN 1 CREDIT UNION, THE (NV)

I have recently checked my credit report and the following account The Golden 1 Credit Union ( Account Number : XXXX ) ( Account Type : XXXX XXXX XXXX ) is reporting late for XX/XX/XXXX. Also this account has stopped reporting to XXXX. Please report to all XXXX Credit bureaus and report to XXXX all payments made on time including all dates from starting date of this account opening from XX/XX/XXXX- XX/XX/XXXX as current. I have never been late for this account. This is a violation pursuant to 15 U.S. Code 1666b ( a ) - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dyck-O'Neal, Inc. (CA)

Previously Submitted COMPLAINT XXXX to the CFPB on XX/XX/XXXX asking CFPB XXXX Notice for validation of debts Company 's Response Closed with explanation The FDCPA required validation notice was sent on XX/XX/XXXX. 

Did not receive this FDCPA validation notice that you claim you scented to me on XX/XX/XXXX. Could you please upload it into the CFPB Database so i can review it? and send me a copy by certified mail. 

Also I attach a copy asking for Validation of the debt through USPS CERTIFIED MAIL. 

Thank you
Consumer complaint received 2021-12-08
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. (CA)

Unfortunately, I am a victim of identity theft. I have a XXXX account on my credit report that is reporting incorrect fraudulent information that is withholding me from seeking new lines of credit. I have disputed this alleged account with XXXX, XXXX, and Equifax on XXXXThe account is XXXX XXXX and it is not mine as I have been a victim of identity theft as the documents I have included in my disputes have clearly illustrated. According to Federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) that all fraudulent information and accounts must be removed from the credit report pending proper documentation. I have attached the proper documentation in which I had also sent to the credit bureau 's documenting my identity theft. I have sent all of the required documents to these bureau 's such as my FTC identity theft report, my XXXX XXXX police report, my drivers license, my social security card, a letter detailing my identity theft and past 2 years of residential history and more. All of the proper documentation is provided that is needed to prove my identity theft and that this account is not mine. Below I have attached the certified mail receipts documenting my communication with the credit bureau 's. I have attempted to remove this account directly with the bureau 's and they have chosen to let the account remain on my account. I don't understand how this account is being verified as accurate when I have provided everything required to support my claim. I am distressed because of this situation and feel as if my disputes are not being taken seriously.
Consumer complaint received 2021-12-08
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. (TX)

I HAVE FRAUDULENT ACCOUNTS LISTED ON MY CONSUMER CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR SIGNED FOR THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES. 

PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Consumer complaint received 2022-06-11
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. (NJ)

I AM A VICTIM OF IDENTITY THEFT AND I STILL HAVE ACCOUNTS THAT IS NOT MY OWN BEING DISPLAYED ON MY CREDIT PROFILE. THIS INFORMATION IS ERRONEOUS AND MUST BE PERMANENTLY REMOVED ASAP. THESE ARE NOT MY ACCOUNTS. I NEED TO HAVE THESE ACCOUNTS REMOVED IMMEDIATELY PLEASE
Consumer complaint received 2022-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Once again a Capital One Cashback shopping reward credit has failed to show up in my account. This time it was for a XXXX purchase made on XXXX that had a 22 % cashback advertised offer activated and of course a week later fails to show up as even pending in my Shopping Rewards account
Consumer complaint received 2022-09-07
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: National Credit Adjusters, LLC (CA)

The information provide from XXXX XXXX Account was open in XXXX under my name and closed same year in XX/XX/XXXX I been out work since XX/XX/XXXX For Sickness. I dont have any credit card around the dates mention I made a police report. As I was told from National Credit Adjust
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are several accounts reporting through XXXX XXXX XXXX XXXX XXXX which ALL my accounts have been paid as agreed and on time. There is a remark on a few of them 90 days in 2017 which is inaccurate. I tried to address this now twice and received only one response back from TransUnion saying they weren't going to do anything. Please help
Consumer complaint received 2023-02-10
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. (FL)

I just received a notice from XXXX XXXX that there has been a change in my score. To my complete surprise and utter dismay my credit has gone down XXXX points due to no fault of my own. 

I have not been an XXXX customer since divorcing my husband and moving out of my home in XXXX of 2021. He is currently in the marital home and paying his XXXX bill. 

I moved my parents out of their home in XXXX of 2021 into an Assisted Living facility. We had to keep the power on until we got a renter in who then transferred the bill into their name. 

I did everything I was supposed to do in transferring the bill out of my familys name and into that of the renters. 

I have never received any phone calls or written communication from XXXX advising me there is any amount due. I have never received any communication from the collection agency either. This is the very first time I am even learning of this and this is a grave injustice to someone who has worked so hard on building up their credit. 

Please assist me in getting this issue resolved and removing this unjust derogatory comment off my record and raise my score back to the XXXX it was just a month ago. 
Thank you.
Consumer complaint received 2022-04-23
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. (PA)

Yes I disputed this Account reporting on " Experian Credit Bureau '' mutiple times and this last time in XXXX 2022, in where I sent inaccurate/incomplete documents from the 3rd party collection agency ( XXXX ) to experian. Experian sent me a response letter saying, that the company which is " XXXX collection Company '' verified this account in which I requested all documents or proof showing this information but None to my avail. I'm gon na attached forms sent to me from ( XXXX ) of proof of debt and signature and also, my letter I sent to Experian after mutiple attempts of disputing. If this document is the original contract why is these things are incomplete and wrong, No complete address, NJ instead of Pa ( state ), s.s # incomplete, not my signature, credit card type not checked, unrecognized card infomation. Where this was these original documents generated from is suspicious.
Consumer complaint received 2022-04-23
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)

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX acct # 1943 has violated my rights. 
In accordance with the fair credit reporting act, XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX  acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX  acct # XXXX has violated my rights.
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: EQUIFAX, INC. (NY)

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 XXXXThis 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 2023-02-10
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. (FL)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.