davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have called XXXX and TransUnion multiple times, to advise them that my information is floating around on the black web. I also advise them that the inquires on my account are not initiated by me and someone else is using my information, without my permission. I have already called the non-emergency line for the police department, which they advise me there is really nothing they can do. I told each rep from the credit reporting agencies to provide me with a wet signature to show proof that these inquiries are mine, there has been no credit under those inquires attached to my account. Both rep for each credit reporting agency only kept transferring me to different departments, no one could provide me with what I was looking for or proof that it was actually me that applied for these items. I am requesting XXXX and TransUnion to provide me with competent evidence that these inquiries were in fact authorize with a bearing wet signature for permissible business purpose. All of the inquires on my account from XXXX and TransUnion must be deleted from my credit report immediately. Delete all the misleading information and unauthorized inquires on my credit report. This is way fraud has been placed on my credit report, even though it does not help or stop the use.
Consumer complaint received 2022-08-29
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. (AR)

I have sent letters to the credit bureau and have not yet got the following files removed from my credit report. The request was sent to XXXX, XXXX and transunion upon my first complaint on this matter. 

I want the following fraud items REMOVED from my report : XXXX XXXX : XX/XX/XXXX XXXX/DOFED : ALL ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-19
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 

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 2022-09-19
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. (NC)

According to Medical Debt Relief Act of 2021, I have a XXXX-year waiting period before medical debt will be reported on a consumer 's credit report. The date of delinquency for this bill is ( XX/XX/XXXX ), which means I have until XX/XX/XXXX to resolve this debt. Im in the process of resolving this bill with my medical insurer. The Debt is being reported by : The Department of the Treasury
Consumer complaint received 2024-12-19
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: CITIBANK, N.A. (FL)

15 USC $ Permissible purpose of consumer reports1681b. 15 u.s.c. 1681a and 15 USC 1681.

15 USC 1692 K and 15 USC 1640 Civil liability.15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. 


Please Delete false information from my consumer report immediately.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2024-12-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: PREMIUM MORTGAGE CORP (NY)

I recently purchased a house through a premium mortgage on XX/XX/year>. Premium mortgage appraised my house for more than it was worth. I am now starting with negativity equity, and the house has caused me financial, mental, and physical stress. Unfortunately, my realtor did not advise me properly and convinced me to get a home inspection after the tenants moved out. Once the home inspection was completed, it revealed that the house had multiple issues that the seller did not disclose. The house has structural problems, the electrical was outdated, and there are foundation issues. I spent over XXXX on this house, and there is still more to fix.
Consumer complaint received 2022-08-23
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. (CA)

XXXX XXXX XXXX # XXXX XX/XX/XXXX I SENT IN A DISPUTE ONCE AGAIN FOR UNVERIFIABLE INFORMATION IN MY CREDIT REPORT. IF U HAVE VERIFIED THIS IS MY ACCOUNT WHY IS IT SO HARD TO PROVIDE ME WITH THE DOCUMENTS SAYING THAT I OWE ANY DEBT. 

YOU'RE REPORTING LAST PAYMENT MADE XX/XX/XXXX AND THE STATUS IS REPORTING XX/XX/XXXX IT IS XXXX YOURE IN CLEAR VIOLATION.. 

TransUnion XXXX XXXX XXXX XXXX, PA XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified Account Thank You, XXXX XXXX XXXX
Consumer complaint received 2022-09-19
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. (TX)

Upon recently checking my credit report, I have discovered XXXX XXXX obtained a copy of my report without my authorization or consent. Further, they are reporting that I am " over limit " on my account, which is innacurate. They have been reporting since XX/XX/2022. This company is a scam and have had their business license revoked in Texas.
Consumer complaint received 2022-09-19
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. (GA)

XXXX XXXX XXXX  XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize these hard inquires from my credit report. I am a victim of Identify theft.
Consumer complaint received 2022-09-28
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. (VA)

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 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 XXXX XXXX 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy.

15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer.

15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 USC 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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2022-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB (FL)

Order number # XXXX from XXXX XXXX was timely cancelled, and therefore never shipped/delivered or received by us. This order was initially financed through Klarna, and they did not updated the loan as cancelled and removing the charges. The account was recently referred to collections to XXXX XXXX. 

We have made multiple unsuccessful attempts to have this information corrected and avoid credit impact, however all parts have not taken the necessary steps to have this issue resolved.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (SC)

On XX/XX/2022, I attempted to take advantage of a 25 percent discount offer from Macy 's if I got a Macy 's credit card - I found a great deal on a couple of outdoor chairs I wanted to buy. I filled out the application form, only to receive a response telling me that Macy 's ( or their credit card, an Amex card licensed to Citi Cards ) had more questions to ask me ( never mind that my XXXX score from XXXX is XXXX and XXXX from XXXX - and within a minutes I got an email saying someone had checked my credit with XXXX ). The response from Macy 's provided an XXXX number to call, but a robot calling system demanded to know my credit card number, and there was no way to get through to a human being. To make a long story short, after two hours and many phone calls, I ended up speaking with someone in Macy 's credit department. She was able to find my application but informed me once more that they had more questions, then told me I would have to wait to receive a letter within seven to ten business days with the questions, then proceed from there. But what about my discount? I asked. Oh, yes, you can still get it, she said - buy the chairs now and when you are approved, we'll take the 25 percent off. Even though the sale on these chairs ends tonight? I wanted to know. Oh, no, said she. Besides, she added, that offer doesn't apply to everything we sell. At that point I told her it would be a cold day in XXXX before I shop Macy 's again and ended the phone call. I took a screenshot of the purchase I had wanted to make and will be happy to give it to the CFPB if there is a way to upload it. This strikes me as either a bait-and-switch or, at the very least, a terribly misleading come-on.
Consumer complaint received 2022-09-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I suffered an identity theft and fell behind on my payments due to a lack of work stemming from the identity theft. I contacted my mortgage company approximately 10 months ago to try and modify the loan to help me save my home. I have received terrible communication, if and when I actually received a response from them. I have been told three different scenarios on what is required to modify the loan and Im now being told the only avenue I can go is one that would possibly put me at risk of being injured or killed. They are requiring a document to be signed by my ex-wife, whom I have proof of which explains she and her current boyfriend were the ones that stole my identity and took out life insurance policies against me.
Consumer complaint received 2022-09-19
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. (PA)

Hi, my name is XXXX XXXX. I was born in XXXX, Pa on XX/XX/1994. 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. This is affecting me in a negative way. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible!
Consumer complaint received 2022-09-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Diaz & Associates, Inc. (WA)

This company named Diaz keeps sending out letters to us stating we owe them for a XXXX account. I've called XXXX  a few times, and we don't owe anything. Now they are calling my family members and harassing me, saying they are trying to serve papers and there is a civil suit against us. It's really nonsense, and the threats are getting to be too much. 

Now they call themselves XXXX XXXX. Their phone number is XXXX and they said our case number is XXXX.
Consumer complaint received 2022-07-15
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : {$41.00}.
Consumer complaint received 2022-09-19
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. (OH)

I am making a final goodwill attempt to clear up this matter. The accounts sent back verified are entirely inaccurate, incomplete, and represent a grave error in reporting. Also, this is my second time contacting about this matter in writing. No need for me to go into detail and tell you the law. Your company knows that you are required under the FCRA to have correctly verified the accuracy of an account listed on my credit report with physical documents. All in all, you have ignored my request to provide me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Consumer Finance, On a recent review of my credit report , I discovered XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2022-09-19
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Hello, On XXXX XXXX I reached to Capitol One Auto Finance about 2 inquiries on my credit profile from XX/XX/2022, XX/XX/XXXX, XXXX without my permission. 
I was instructed to contact XXXX directly to have them remove the 2 inquiries, but XXXX refused to remove the 2 inquiries stating I need to call the creditors back, so now I'm getting back and forth without resolution to my credit profile. 

This is : 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (FL)

Order number # XXXX from XXXX XXXX was timely cancelled, and therefore never shipped/delivered or received by us. This order was initially financed through XXXX, and they did not updated the loan as cancelled and removing the charges. The account was recently referred to collections to Firstsource Advantage. 

We have made multiple unsuccessful attempts to have this information corrected and avoid credit impact, however all parts have not taken the necessary steps to have this issue resolved.
Consumer complaint received 2022-09-19
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

XXXX reporting items that are due to identity theft and per the law need to be removed. The XXXX breech has caused years of issues and now USAA which is ID theft is once again reported. Please remove any information being reported on USAA accounts immediately. This is against the law and needs to be removed. I have supplied multiple documents to support the breech and claims. I have filed an action with the FTC as well