davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion has a suppression on my credit report for some unknown reason. I have tried applying for a credit card with my credit union and they only use TransUnion, they are unable to pull because it's suppressed. So to have it removed I have been in contact for several weeks being sent around to different people. Different people keep telling me different things to get it removed like email this department or mail in my social to an address. Then after awhile they told me that the suppression is removed so I have them mail me my report and the report states it's unable to pull my credit because there's a suppression on it. I just want it removed and they won't do it.
Consumer complaint received 2024-09-09
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. (FL)

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 2023-06-26
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. (TX)

XXXX XXXX XXXX XXXX has intentionally refused to remove the late payment I called about as soon as I knew. I even expressed that I had XXXX XXXX and was told it would not be reported to my credit report per the COVID 19 Cares Act. XXXX XXXX XXXX WENT SO FAR AS TO USE THEIR LIE TO PREVENT GETTING A HOME EQUITY LOAN WITH XXXX BECASE OF THEIR DELINQUENT DEROGATORY REMARKS ON MY CREDIT.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

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 XXXX 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 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 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 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 XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2023-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Accounts Service Team Inc. (TN)

I paid the account with XXXX XXXX XXXX in full as everything was due up front before a dental procedure was done because they were out of network with my insurance. I then noticed months later on my credit report there was a listing for Financial Account Services Team for {$670.00} with the original creditor. I disputed it three times through XXXX and XXXX and the third time, I received a call from the company. I asked them to give me dates and to send an itemized statement showing me exactly what it was for. They threatened legal action but refused to send proof of the charges and still refuse to remove from my credit report.
Consumer complaint received 2023-03-30
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. (TX)

This company violated my rights YOUR COMPLAINT In accordance with the Fair CreditReporting act. The List of accounts below has violated my federally protected consumerrights to privacy and confidentiality under 15 USC 1681 the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax has violated y rights with this information on my report under 15 U.S.C 1681section 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 2022-12-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (KY)

My payment was due on XXXX and they took it out of an account I didnt authorize. They also told my XXXX about my loan because they charged her card. She paid a payment for me in the past but I told them not to save her card. They said I would have to give her the money but she got more fees from her bank.
Consumer complaint received 2024-10-30
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. (CA)

My name is XXXX XXXX and I recently have been sending dispute letters to Experian, XXXX, and XXXX for a few accounts that have incorrect information and they refuse to update, change or remove these things and remain on my credit report for the past years. 

On XX/XX/year> The Credit bureaus stated : XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX  ( Account # XXXX ) were properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report. I have attached the most recent credit appeal letter I sent with all of my verified information along with my proof of identity to all three credit buearos and I have mailed it to each of them again seperately through certified mail. 

Please see into these as I have tried to resolve this with them with no solution and would like it to be rectified.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NC)

I've recently applied for an american express card and was denied. I've applied for this card in good faith per my rights. I have sent adverse action informing american express that I've applied for the XXXX XXXX preferred card in good faith and informed them that adverse action against a consumer is against the law. they have yet to respond. Meanwhile im suffering due to points drop on my credit report. Im injured due to the fact that I can't get approved for any credit to further I and my family of XXXX. I'm struggling to buy food and clothes for them. I can not provide at all. We are eating XXXX meal a day. I've come to know the laws that where violated ( My rights that were violated ) Violations are : 1 ). 15 USC 1691k 2 ) .15 USC 1642 3 ). 15 USC 1681m 4 ). 12 CFR 1002
Consumer complaint received 2022-09-13
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: WELLS FARGO & COMPANY (AZ)

this is the 3 attempt to get this resolved and over a year of lies misleading info and empty promises.

they agreed they never opened or trying to investigate the complaint the first time 2nd time only responded to the original agreement that we agreed on not what was told and agreed on the phone to pay faster 3rd time again based it off original agreement again in mediation and gave me {$6.00} for stealing my money for 3 weeks in my worst time i had nothing left for the month for gas of food
Consumer complaint received 2022-07-12
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 — Their investigation did not fix an error on your report
Company: August Real Estate Investments, LLC (TX)

My husband and I sold our home in XX/XX/2022, because we found out that we purchased our house with a wrap mortgage ( unbeknownst to us ). A few months later, August Real Estate Investments ( the servicing company ), reported to XXXX that we owed late payments that total {$3800.00} and the balance of the home of {$180000.00}. 

I have spoken with August REI staff, via telephone and email, and was told that the account was reported closed in XX/XX/2022, with a balance of {$0.00}. Because of this, I disputed the discrepancy on XXXXXXXX XXXX website. When I received the results of the dispute, the discrepancy remained on my credit report. Since then, I have disputed this inaccuracy four separate times. The results continue to state, " THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY ''. 
Again I made contact with August REI and was told that they would dispute the matter and have it removed. That has not happened. My most recent results were returned on XX/XX/2022.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

Im sending a complaint to you today to notify you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX : {$440.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-22
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. (AL)

In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XXXX XXXX Formerly XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-12-04
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: LendingPoint Holdings LLC (TX)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-04
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)

Hello, I am aware that I have rights protected under the Fair Credit Reporting Act ( FCRA ) and I believe it is imperative that I share this information with you.

I have discovered a very easy, clear, and concise violation on one my collection accounts. 
On my credit report, I see that the " Date Opened '' for this collection shows as " XX/XX/XXXX ''. I will be attaching the section in my credit report which clearly shows the dates highlighted for you to see erroneously input by this collection agency. 

I will also be attaching letters sent to me by this same collection agency way back in XXXX! This account has been open for at least 5 years ( not since XXXX as they've claimed ). They are lying on the credit report and this is a clear violation. 

I respectfully demand that the following account be removed from my credit report because of their lies and inaccuracies on my credit report : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Thank you for your time.
Consumer complaint received 2022-12-04
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. (SC)

Delete Hard inquiries : 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 2022-05-16
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. (TX)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have ignored my verfied claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2022-09-13
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. (GA)

Due to this item being on my report it is causing me to lose out on career opportunities as well as being a better credit profile. Under the 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please Update the following accts as the balance are wrong. Some of these have not been updated since XX/XX/2022. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. These balances being incorrect is causing my debt to ratio to be off balance which is causing credit score to be lower than it should be.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Fraudulent Addresses Under FCRA To Whom It May Concern, I am writing to formally request the removal of two fraudulent addresses currently appearing on my Experian credit report. These addresses are : XXXX XXXX XXXX XXXX, XXXX, Florida XXXX and XXXX XXXX XXXX, XXXX, Florida XXXX These addresses are not associated with my personal, residential, or financial history. As such, they are inaccuracies on my credit report and require immediate correction. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report and expect prompt correction of any erroneous information. Failure to remove inaccurate information is a violation of my rights under the FCRA and may result in significant penalties, including statutory damages, actual damages, and legal fees if I am forced to seek remedy through further legal action. 

Please confirm the removal of these addresses at your earliest convenience. I would appreciate a written confirmation of the action taken, along with a copy of my updated credit report. If you require any additional information to expedite this matter, please contact me by phone or email at your earliest convenience. 

Thank you for your prompt attention to this important matter.