davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, Please completely remove me as authorized user from the XXXX XXXX credit card attached. 

Please completely remove this tradeline from XXXX, XXXX, and Transunion- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled as soon as possible.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.
Consumer complaint received 2024-10-26
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. (TX)

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question & they are negatively impacting my credit profile. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging to my credit profile but also causing me a significant amount of stress and anxiety. I have no connection to these accounts & urgently seek their immediate removal to prevent any further harm to my financial well-being.
Consumer complaint received 2024-12-06
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo is playing con games and is refusing to except the {$50000.00} Grant by the State of Pennsylvania. And is lying and trying to take my property despite mortgage payments being paid. But then lies by claiming that they never received the payments. And then are refusing to speak with me despite them receiving the authorization to do so. Please see the attachment. And then I gets a letter from XXXX XXXX by claiming that I didnt send any documents. However they never requested any documents from me. Then currently Ive paid over {$22000.00} to the Trustee and Wells Fargo. And this {$22000.00} would get me out of debt and foreclosure. However Wells Fargo is displaying racial and vindictive behavior and Ive been unable to reach XXXX XXXX. Then Im getting constant different amounts to whom whats due on the rear of the loan and by way of recorded conversation by the Preservation Department they stated {$22000.00}. However they lied and refused to send me the document confirming this. Then there was some Federal Criminal Forgery that was done by my Step Father XXXX XXXX but theyre covering up for him in which makes them guilty as well. Also since Ive already been approved for the mortgage assistance from the state of Pennsylvania. Why are they selfishly trying to get me to apply for a load modification in which will the rate would be much higher than it is now
Consumer complaint received 2020-12-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

My mortgage is with Amerihome Mtg. I received a letter stating that I would only be able to make my mortgage payment with a cashier 's check. I have always processed my payments online, I haven't missed any payments ever. They stated that I had payments not honored by my financial institution. I sent them proof that my payment was drafted from my bank and never returned. I also informed Amerihome that I have an online bank only and can not get a cashier 's check. 
People I spoke with : Employee ID XXXX
Consumer complaint received 2020-12-04
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: Bread Financial Holdings, Inc. (MA)

These accounts are reported inaccurately because if you will check the report it shows that the dates, payment histories and other information are different across the reporting agencies. I have a bunch of victoria secret 's account reported with the same issues.
Consumer complaint received 2022-04-22
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. (GA)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -OXXXX 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -XXXX XXXX XXXX XXXX XXXXXXXX XXXX5 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 an account without my written instructions. 
"
Consumer complaint received 2020-12-04
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. (CO)

XXXX  XXXX XXXX XXXX flagged my account as 30 Days Past Due on XX/XX/2020 to both Experian and XXXX. 

When I contacted XXXX XXXX they stated that my account was not past due and that they had not reported the account as 30 days past due. 

I disputed the item with Experian, but after investigating, they claim XXXX XXXX still is reporting it as 30 days late.
Consumer complaint received 2023-11-23
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. (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. 

XXXX 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. Or a list of inquiries : 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 2023-10-05
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-14
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. (TX)

The inquires below are not mines and are ID Theft. Please review and delete. I have added a ID theft alert to report. 

Transunion : Inquiry details XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX  ( Bank ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX XXXX  ( Bank ) XX/XX/year> XXXX  XXXX # ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX : Inquiry details XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX  DEALER XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

attached is the letter i sent to the credit bureau XXXX I am writing to express my extreme dissatisfaction with the utterly erroneous information currently tarnishing my credit report, which I firmly believe is a blatant violation of the Fair Credit Reporting Act ( FCRA ). Upon a comprehensive review, I have uncovered egregious inaccuracies in the following accounts : XXXX XXXX XXXX Account Number : XXXX Status : Collection XXXX XXXX XXXX Account Number : XXXX Status : Collection/Charge Off XXXX XXXX XXXX XXXX Account Number : XXXX Status : Closed and Paid Off XXXX XXXX XXXX Account Number : XXXX Status : Collection/Charge Off XXXX XXXX Account Number : XXXX Status : Collection I assert vehemently that the reporting of these accounts is not only incomplete but shockingly inaccurate, constituting a severe breach of the FCRA. Accordingly, I demand the immediate and unconditional removal of these accounts from my credit report.
Consumer complaint received 2023-11-23
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. (IN)

attached is the letter i sent to the credit bureau XXXX I am writing to express my extreme dissatisfaction with the utterly erroneous information currently tarnishing my credit report, which I firmly believe is a blatant violation of the Fair Credit Reporting Act ( FCRA ). Upon a comprehensive review, I have uncovered egregious inaccuracies in the following accounts : XXXX XXXX XXXX Account Number : XXXX Status : Collection XXXX XXXX XXXX Account Number : XXXX Status : Collection/Charge Off XXXX XXXX XXXX XXXX Account Number : XXXX Status : Closed and Paid Off XXXX XXXX XXXX Account Number : XXXX Status : Collection/Charge Off XXXX XXXX Account Number : XXXX Status : Collection I assert vehemently that the reporting of these accounts is not only incomplete but shockingly inaccurate, constituting a severe breach of the FCRA. Accordingly, I demand the immediate and unconditional removal of these accounts from my credit report.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (GA)

I ordered a Laptop on the XXXX of XX/XX/2022 from Conns Home and the lap top was never deliver. i have called them severally and they told me the laptop was out of stock. and amount of {$930.00} was reported to my credit on XXXX XXXX and is showing " in good standing '' Please i kindly want it to taken off. It is hurting my credit report and i am not making any payment. i have earlier reported it here and no action was taken. Kindly look into it. The name of the company reporting it on my credit is CONN CREDIT CORP. Thank you
Consumer complaint received 2020-12-04
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. (OR)

Have a veterans loan with XXXX XXXX. XXXX XXXX automated payment processing system failed and is flawed. This resulted in missing several payments. I found out my accident that the payments had not been made. XXXX  never completed a phone call or mail notification of the problem. XXXX  removed the late fees and corrected the problem. 

The exact problem happened again. Again no phone calls or written notification of problem. Until I received a default/foreclosure notice in the mail. I immeadiately started working with XXXX  for weeks to correct the problem. However XXXX  and its processor did not have a working phone system or answering machines. They also do not have a method for email communications. I eventually pretended I was a new customer and was able to contact them by phone. They worked on it for weeks but never found a problem. They never suggested an alternate method of payment. 

When I made manual online payments, the system showed I made the payments, even when checking days later. However after a week or so the payments would be reversed because their payment system is horribly flawed. 

I finally mailed them a check because I didn't want the foreclosure process to continue. 

The account is up to date now and they have removed late fees and penalties. However, my credit report is ruined as they reported to three credit agencies that I had late payments. So now I can not refinance or take out a car loan. They still do not have a way to contact customers about issues, via phone, email, or US mail. They have not corrected the credit reporting problems
Consumer complaint received 2023-06-11
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. (IL)

In accordance with Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC. 

Account : XXXX XXXX XXXX, violated my rights.

15 U.S.C 1681 Section 602 A. States I have right privacy.

15 U.S.C 1681 Section 604 A Section 2 : its 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 of information, other than records of convictions of crimes which antedates the report by more then 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 know or a has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: UNITED AUTO ACCEPTANCE (GA)

On XX/XX/2022 I originally paid {$800.00} and then I had to make 2 extra {$500.00} payments date of XX/XX/2022 and XXXX which totaled my down payment to {$1800.00}.
Consumer complaint received 2024-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2022-10-01
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. (MI)

I have been submitting multiple letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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 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 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 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 XXXX
Consumer complaint received 2023-10-20
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC (GA)

XXXX sold Jefferson my information and Jefferson reported this every month like a new account. They are aggressively demolishing my credit that XXXX bill was old by my ex-wife cause I had no clue a XXXX bill ever existed. When I did call Jefferson to dispute this I was giving another number to another company they are selling my information without my consent. I do have rights against that selling my information like social security number put me at great risk for fraud I don't owe this debt and I'm not responsible for this debt and I don't have a contract or signed any paperwork for this debt with Jefferson or the people they sold it my information too. Legal action will be taken if this debt that don't belong to me not taken off my credit report selling my information without my consent is fraudulent.
Consumer complaint received 2024-11-14
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. (TX)

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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

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 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Consumer complaint received 2023-10-16
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-12-04
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: FIRST PORTFOLIO SERVICING INC (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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.