davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VT)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

My account with XXXX XXXX dba XXXX was closed in XX/XX/2021, however, the company has repeatedly refused to update my credit reports to reflect the account as closed. Their failure to do this has brought down my credit score by raising my credit utilization amount. They have been contacted by both himself and experian about this and refuse to update my credit report to reflect closure of the account.
Consumer complaint received 2022-09-02
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. (MA)

On XX/XX/2022 I submitted a letter to the three major credit bureaus ( XXXX, Experian, and XXXX ) and to three collection agencies disputing some Collections accounts and requesting that they either verify them or delete the unverified negative accounts on my credit report. 

On XX/XX/2022, one of those negative accounts were removed from my Experian credit report, however, the other two accounts were still showing. After looking in the dispute center in Experian, there was a comment added " Completed investigation of FCRA dispute - consumer disagrees. '' and " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' while the dispute still shows " Under Dispute '' and its in the " Review '' process. 

On XX/XX/2022 I received a letter in the mail from one of the collection agencies with a copy of two bills with what appears to be " my '' name on it and " my address ''. 

In the letter I explained to the collection agencies that unless they are able to provide, undeniable proof that this is my account, that they must DELETE the negative reporting because anyone can use my personal information to agree to service. I additionally asked them to provide me with a contract that has my signature on it then they have to delete it because they can prove that its my debt. 

This is life damaging information that is being reported and has not been verified and simply sending me a bill in the mail can not be enough to " verify '' account. This has ruined my ability to acquire credit and I demand it be corrected immediately. We must hold these collection agencies and especially the three major credit bureaus to account because they especially hold so much power that can destroy a persons life if a mistake is made.
Consumer complaint received 2024-11-15
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-29
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. (LA)

sent letters out to XXXX, experian, and XXXX. on XX/XX/2022 and XX/XX/2022 still havent got a response back and it has been over 60 days. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of the letter. 

XXXX. Validate Account XXXX XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have submitted a few disputes to XXXX XXXX XXXX XXXX 2 accounts in reference to the erroneous, inaccurate and Non-Compliant information that is being reported on my credit report. I have sent in a copy of the credit report showing all the inaccurate information that is being reported and it is still being verified. So, this just let me know that no investigation is being done. The last dispute that was sent in is when I noticed that the account was closed and they are still reporting CO in the 2year payment history. One account is charged off in the amount of {$10000.00} and the other is XXXX
Consumer complaint received 2022-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

The Companies listed below did not obtain my written consent to publish any inquiry details on my credit report. 

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX
Consumer complaint received 2020-12-04
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To EXPERIAN Dispute Confirmation # : XXXX RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of Identity theft. There have been accounts and services established using my personal Identification without my authorization. 
After careful review of my report, I have identified the information listed below, is the result of Dark Web theft on the affected accounts are listed below. 
I do not and have not obtained business or services or made any payments under any of these accounts - ever! 
XXXX has continually aided in allowing others to use and distribute my information without my authorization to establish credit, obtain goods and services and set up monthly rentals which has caused my personal life stress and placed me in financial ruins. This must cease NOW! 
You must remove them immediately without prejudice. 





XXXX/XXXX XXXX  ACCT : XXXX AMT : {$280.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$7700.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$2500.00} XXXX XXXX/XXXX ACCT : XXXX AMT : {$3600.00} XXXX XXXX, XXXX. ACCT : XXXX AMT : {$100.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$5500.00} There are also the below listed inquiries on my report which have never been placed by me. These need to be removed immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-10-06
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. (VA)

It is more than 2 months since I mailed out my letters for the credit bureaus to remove incorrect details on my credit report. I havent got any respond from them up to now. Not knowing what is going on has become stressful and I urge you to find out what is going on. Thank you.
Consumer complaint received 2021-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently found out that I am a VICTIM of Identity theft and that there are several fraudulent items on my credit report that doesn't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company.
Consumer complaint received 2022-07-14
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. (MI)

I am a consumer and natural person with a right to privacy, confidentiality, and fairness. In accordance with the Fair Credit Reporting Act, the consumer reporting agency has violated my rights with accounts listed on my consumer report : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - 15 USC 1681 ( a ) ( 4 ) - As the consumer, I have a right to privacy. 15 USC 1681a ( 2 ) ( A ) ( i ) - A consumer report does not include transactions or experiences between the consumer and person making the report. 15 USC 1681a ( 2 ) ( B ) - A consumer report does not include any authorization or approval of specific extension of credit, directly or indirectly by the issuer of a credit card because it is used to obtain an extension of credit. 15 USC 1681b ( a ) ( 2 ) - A consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681e ( a ) - A consumer reporting agency, shall maintain reasonable procedures and limit furnishing of my consumer report under 15 USC 1681b. 15 USC 1681e ( b ) - A consumer reporting agency shall follow reasonable procedures to assure the maximum accuracy of information on my consumer report. 15 USC 1681e ( e ) ( 1 ) ( B ) - My consumer report can not be procured for the purposes of reselling information without my written instructions. 15 USC 1681g ( a ) ( 1 ) ( A ) - A consumer reporting agency must disclose all information on my file, clearly and accurately to me.
Consumer complaint received 2023-07-27
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. (VA)

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 2022-12-06
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: ARC Management Group, LLC (FL)

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 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2020-12-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

On XX/XX/2020 I submitted my mortgage payment of {$980.00} and on XX/XX/2020 my bank confirmed that Caliber Home Loans had charged the mortgage amount twice. So one payment of {$980.00} posted on XX/XX/XXXX while another payment of {$980.00} is pending/on hold. As of XX/XX/2020 I still do not have access to these funds within my bank account. I contacted Caliber Home loans customer service department and was told that the money would be returned to me shortly. I am in the middle of this pandemic with no financial assistance and I am relying solely on my VA XXXX  compensation to live/pay my obligations. So to have an extra {$980.00} withheld from me without a full explanation other than that it is a technical error within their system is truly unacceptable. I have no money left over to pay the rest of my bills or to purchase groceries.
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MD)

Dates : XXXX XXXX, 2020 Amounts : two transactions : {$410.00} and {$6.00} Transactions : " PwP AMERICAN EXPRXXXX IL '' and " PwP AMEXTRAVEL.CO '' I booked two flight tickets on XX/XX/XXXX via the American Express Membership Rewards Travel Portal. All the flight prices displayed on the website were shown in Membership Rewards Points and I have enough Membership Rewards in my account to pay for the tickets. 

After I purchased the tickets, I received a confirmation email showing the amount of points needed and one of my Amex cards were charged with the dollar amount. I called Amex and the service rep assured me that the transaction will be credited by points because it has " PwP '' in the description, meaning " Pay with Points ''. 

However, after waiting patiently for 10 days, the points were never redeemed and credited to my account, I called American Express again. This time, they said that it's because the card that I used isn't in the Membership Rewards program, therefore they were unable to redeem the Membership Rewards points. Apparently, I have two Amex credit cards, one in the MR program, and one isn't. However, when I was booking the tickets, all the pages were showing me MR points instead of dollar amount including the confirmation I received. The service rep understood my concern and said that she will escalate the case and I should call back in 10 business days. 

After 10 business days, I called again and was told that there is nothing they can do. They acknowledged that their website is confusing for consumers, but they are unable to reverse the transaction using points instead of dollar amounts, leaving me having to pay for my bill rather than redeeming the points.
Consumer complaint received 2024-09-18
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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2020-12-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION (TX)

On XX/XX/2009, a HELOC Mortgage was completed with Third Federal Savings and Loan Association of Cleveland. 
and loan payments began, Third Federal received over payments intended to be payments against the principal balance. Instead of applying the payments, Third Federal, changed the description of the over payment to interest and kept the overpaid amount. 

Frequently throughout the loan double payments were made per month. Third Federal failed to apply the payments were they were received. Instead, the payments were held until the payment date and then applied against the loan. 

After the ten-year borrowing phase, the loan went into the repayment phase. Third Federal without any notice increased the amount of the payment required per month to {$2800.00} per month from {$650.00}. 

The lender was contacted after receiving a call from the collections department. Also spoke with customer service to find out what happen to the Notice and found it was sent to a wrong address. 

A call was placed to customer service explaining that payments could be made if the amount of the payment could be modified to between {$1000.00} to {$1500.00} per month. No response was received from Third Federal. Instead, foreclosure proceeding were started by Third Federal. 

A modification was requested again and there has been no response from Third Federal. Third Federal is returning payments made against the loan and reporting to the credit bureau that the payment has not been made.
Consumer complaint received 2020-12-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NY)

I have filed a complain with the XXXX  against this company. But when I reviewed the other complaints listed there, I discovered that every single complaint was about the same thing as mine. This company clearly is employing some illegal tactics to get people so scared that they will pay for a debt they may not owe. I want resolution for my own problem, but I also think that the CFPB needs to put this company on warning so that they stop preying on people who may not realize their rights. For each of the people who complained, there must be thousands more who are falling victim to this company 's repulsive system for making money on people who thought they had gotten out of debt. 

I discovered the problem today because my credit report went down by 29 points, though I have been working very hard to restore it during a horrific divorce. I am in the middle of applying for mortgage modifications and need to keep my credit score intact during these very difficult times. I was shocked to see this company had filed a collections notice against me though I HAVE NEVER RECEIVED A COLLECTION NOTICE FROM THEM. They clearly bought this debt from someone else and have never bothered to look into it. This debt is probably from XX/XX/XXXX, and was my soon-to-be-ex-husband 's share of our phone bill. He left me with many debts and sole responsibility of XXXX children, and I explained to XXXX at the time that I was not able to pay for his phone bill, which was listed under a family plan. I thought that XXXX had thereafter cleared that debt and I even worked with a credit counselor who also worked to ensure that debt was clear. 

Now, out of nowhere, at the worst possible time, this company buys a debt that is at least 8 years old and lists it on my account as collections, completely destroying the credit I just spent a year rebuilding. This is not a new debt and I have not received anything ever from this company about this debt. They are destroying my chances to get a mortgage modification over a debt that did not belong to me and is over eight years old. I don't even think that the amount is accurate ; they list the debt as {$500.00} but I don't think this is even based on an accurate bill from 8 years ago.
Consumer complaint received 2022-07-14
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 (TX)

COAF hard pulled my credit 12 times since XX/XX/21 causing my score to go down dramatically. Four times in one day this seems excessive. I was looking for a car to buy and did not authorize them to keep pulling my credit everytime I just looked at a car on the website. I only authorized them to pull my credit once on XX/XX/21. They pulled it on theses following dates XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX the only time I authorized for this company to pull my credit.
Consumer complaint received 2022-05-26
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: General Motors Financial Company, Inc. (FL)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for and purpose.