davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

i have on numerous occasions contacted the 3 credit bureaus to delete these items which they refused to they have violated laws that i have listed below and because of this they have to delete these items immediately : 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. 

accounts to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Upgrade, Inc. (CA)

I understand the importance of accurate reporting, and I appreciate that credit reporting agencies play a crucial role in maintaining the integrity of credit information. However, it is equally important to consider the context of financial challenges that may arise, especially when these challenges are temporary and do not reflect a refusal to fulfill financial obligations. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I insist that your bureau updates the reporting of the late payment dates to accurately reflect the current status of the account. The reporting should indicate that the account is up-to-date since it has been paid. This correction is vital to ensure the fair and accurate representation of my credit history. While there were lapses in payments due to unforeseen financial circumstances, it is imperative to note that these late payments were eventually rectified and brought up to date. Despite the temporary setbacks, the account has since been paid, and I expect your bureau to accurately reflect this on my credit report. 
UPGRADE INC XXXX PLEASE UPDATE!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I trust that you will conduct a thorough investigation into this matter and promptly make the necessary corrections to my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). It is my right as a consumer to have accurate and up-to-date information on my credit report, and I expect your bureau to uphold these standards.
Consumer complaint received 2024-09-17
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. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2022-09-01
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. (PA)

This is the third time this have happen and I need it to stop. I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First Middle & Last Name 2. My Current Mailing Address Any and all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with my current address. Delete any and all other phone numbers listed. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section Thanks in Advance
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear, XXXX XXXX this is my 2nd attempt to you concerning a late payment that is not being reported to my credit report correctly there will not be a 3rd letter to this company regarding the late payment.Late payments are illegal according to 15 u.s.c 6802 ( b ) Opt out A financial institution may not disclose nonpublic personal information to a non affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I was given none of this i still have yet to receive a bill in the mail which i have asked for several times from this company despite affidavits being sent to this company gone unanswered.You are now willfully and knowingly continuing to report inaccurate information on my credit report which is a crime according to 15 u.s.c. 1681q obtaining information under false pretenses -Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

I demand that you supply the name of the person responding to this letter and also the name of the person that is responsible for furnishing the inaccurate information to my report or adjust the late payment to paid never late.Best regards
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IN)

My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (NJ)

On XX/XX/2023, I contacted Aspire, a credit card company, regarding an incentive program that was advertised to me. The program offered a {$25.00} credit to enroll in autopay. Upon enrolling the credit did not appear on my account prompting me to reach out to customer service. After reaching out to customer service, the representative ( XXXX ) informed me that my account had been closed due to " inactivity '' on XX/XX/2023. 

I then informed the representative that I had received NO alerts, letters, or details regarding the closure and was unsure how that was possible as ( seen on my statements ) I had just paid off the entire card and used the entire line of credit at the end of XXXX and beginning of XXXX. I relayed this information, however the representative replied my account was permanently closed. 

This closure is clearly a false closure that will affect my credit score. I am seeking help.
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2023-05-11
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX You are in direct violation of the fair credit reporting act ( capital one auto loan and account number XXXX ), has violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearing states that 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 1666B. A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes Remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Applied for lending online XX/XX/22, receiving approval from XXXX XXXX. Contingent upon accepting the terms, approval was granted for a revolving line of credit in the amount of {$3200.00}, requiring bi-weekly minimum payments in the amount of {$190.00}. The damage to my credit report is a result of both unfortunate circumstances & several instances of identity theft, of which I have made tremendous & ongoing efforts to repair and/or improve over the years, of which none have paid off. Needing the funds due to an emergency, I had no choice but to accept the lenders ' terms, of which I suspect are borderline illegal & will investigate separately but I fully acknowledge it was my choice to accept but the issues recently uncovered are unrelated to the actual product itself & have been outlined below : XXXX. XXXX XXXX is a member of the Federal Reserve and although they may not be required to report to the credit bureaus, they do report for some account holders & others they do not XXXX. My account was reported, 5 months after establishment, but to Clarity Services which is actually owned by XXXX, and not to 1 of the 3 major bureaus XXXX. However, completely FALSE information was reported, specifically the loan amount/credit limit, reported as XXXX XXXX As stated above, lending was approved in the amount of {$3200.00} & remains the same to date as my loan has not been refinanced and/or increased. My loan documents & disclosures will easily verify the claims made to be 100 % true.
Consumer complaint received 2024-10-23
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. (MI)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Please read attached. Capital One just charged again more fees and interest and a fake payment and payment adjustment to get more interest and fees is FRAUDULENT CREDIT CARD TAKE OVER. Both Capital One cards # XXXX & # XXXX CARDS ARE CLOSED XX/XX/2023 because Capital One committed credit card FRAUD. 
Capital One is to remove all negative entries on all my credit reports. NOT FCRA.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background (NC)

Accurate Background willfully perjured themselves before the Bureau in relation to an open investigation, and willfully submitted false information that is contradicted by actual public records- which was and will be again submitted to the Bureau. I have a pending case with disposition 11.07 Writ of Habeas Corpus Filed. This is public records- online. It will be attached again- though I question whether the employees at Accurate are simply illiterate as opposed to willfully perpetrating a federal felony by perjuring themselves before the bureau. The case is not disposed - as Accurate continues- in defamatory conduct- to lie to the Bureau claiming that the case is disposed. Its not. No amount of lying in Accurates past due response - showing such great disrespect to the rule of law - is going to change this until the case is actually disposed by an actual judge - not by corrupt employees of a rogue company. The case file will literally be submitted again to the Bureau. Pictures and documents do not lie. I offer to teach the employees at Accurate how to read English- which seems to be extremely challenging for them.
Consumer complaint received 2023-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (FL)

In XXXX of XXXX I sumitted my payment, as usual. 
On the XXXX, of XXXX Rushmore called stating that payment was not receive. 

Rushmore receive my payment, stamped my check, with a stamp from XXXX. 
And stated that they did not Receive Such payment. 
that check was sent to the address, I always sent my check to. Rushmore Loan Management Services LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX - XXXX. 
Till today XX/XX/XXXX they are still claiming that they did not Receive that check. 
They change the account #, number just not to applied the money to my loan. 
return or applied that XXXX to my loan. 
Rushmore also stole my monies from my escrow account.. ( XXXX ) from the month of XXXX to XXXX. Rushmore started a new account, effective XXXXClaiming that the principle owed on my account is {$140000.00}, that is not so the principle owed from XXXX to XXXX should be {$140000.00}. proof of insurance was always submitted. they claim that proof of insurance was not submitted for XX/XX/XXXX.
Consumer complaint received 2023-01-05
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. (IL)

This company hasn't responded to me nor fixed the lies they put on my credit report. The courts told me they dont share any information with this company nor do any business with this company so no bankruptcy and all these other lies should be on my credit report. This is deflamation of my character. I have been turned down by other companies because of these lies on my credit report. 

Delete all these lies off my credit report.
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 — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

To Whom It May Concern I have been monitoring my 3 main credit reports with the intention of trying to improve my credit and maintaining a fair to good score from all three bureaus. There are 2 accounts that have been disputed and taken off my XXXX score/report, however they still appear on my XXXX and Equifax reports XXXX I believe my privilege of challenging/disputing said accounts are being ignored from the two agencies, which are resulting in inaccuracies in all 3 reports/my FICO score. 

I don't believe XXXX or Equifax are making any solid efforts to resolve this, as I have disputed both accounts with both agencies recently and yet they are still on my reports. Under 15 U.S.C. Sec 1681i ( a )?, they discrepancies must be proven to be accurate, or they must be deleted. 

The said accounts are XXXX XXXX XXXXXXXX XXXX in the amount of {$62.00}, which was disputed and removed from XXXX in XX/XX/22. The other account is XXXX XXXX XXXX which was disputed and removed from XXXX back in XX/XX/22. I have provided snapshots of all 3 credit reports for review. 

I have talked with an attorney friend of mine of this, and she believes my Fair Credit Reporting Act right are being violated, specifically Sec 15 1681 section 602. A ( which states a right to privacy ) and also section 604.A, section 2 ( which states a consumer reporting agency can not furnish an account without my written consent. ) I have filed a previous complaint to your agency about XXXX, your complaint ID # XXXX. I'm writing this as a new complaint and supplement to that complaint.
Consumer complaint received 2022-10-13
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. (NC)

This is my ANOTHER endeavor to tell CREDIT BUREAU that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

Reached out to Edfinancial for a refund of student loans about 40 days ago ( sometime in XXXX ). It is difficult to pinpoint exact dates because they have not sent any confirmations of any kind. When I talked to them at the time, they said I was supposed to receive a confirmation email which I never got and they gave me no specific timeline on when I when I am to receive the refund or by what method. They couldn't even tell me the amount I am to receive back. I called them again today XX/XX/2022 to check on the status and it took getting to a higher tier customer service representative for them to even see my account. They still gave to timeline to when I am to receive my refund or any other information about it other than it is still processing. I am not even able to create an account on their website until I receive the refund apparently which makes it impossible for me to check on the status or know anything. I have no receipts or anything to show that I will receive anything at all.
Consumer complaint received 2022-12-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NV)

I have spent well over a dozen hours on the phone with this company over the last 4 months trying to get to the bottom of my loan modification. They have collected payments and misapplied them. They have threatened me countless times with adverse actions even though they can not accept my payments for my loan. Then they ask for several months immediately in order to avoid more adverse actions. If I didn't know any better, I would think they are trying to force me into foreclosure! 

I am still after 4 months waiting for this to get clarified and to find out just how much money they want to extort from me now and what it will take to finally get current on the loan they took 4 months to process. 

Now they are showing me past due 60 days and 3 payments... they have 2 payments as " unapplied funds. '' They can not tell me what they have done with the payments I have made other than " just wait and give it a few days. ''
Consumer complaint received 2023-05-11
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. (MS)

XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX are all reporting as closed and profit and loss write off with a balance. They filed profit and loss wrote off with the IRS which means I should be given a 1099 to file with my taxes. They should not be reporting the amount on my credit report thats tax fraud.