davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-24
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act 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 2022-03-08
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. (FL)

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 and I am filing this complaint for false reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am currently POA for my father who has been in the hospital since XXXX and he is still currently there. I am trying to handle all of his financial obligations. However since I am not recognized as a POA I can not pay on his account.I have sent them all paperwork starting XX/XX/22. I sent a total of 4 faxes to capital One. Each time being rejected for having an incomplete packet. I have fax confirmation letters to show that all faxes were complete. Each time I called and spoke to a representative they told me exactly what I needed. Reason for rejection : 1st time : no address for myself listed 2nd time : no copy of my drivers license 3rd time : cant read notaries signature 4th time : I have a letter saying I am missing the above info still along with missing my occupation. 
I called and spoke to a supervisor ID of XXXX she gave me her personal fax. She reviewed everything I needed in the POA submission which I confirmed I had. She confirmed she got my fax and sent it to the department that handles POAs. She told me 7 days. Today is day 7 and when I called in she stated they are still within their time frame. I asked to speak to a higher supervisor and she stated that they dont take phone calls. I asked if they could call me and she said No, they just support her. So I asked again there is no supervisor I can speak with and you can not call that department. She said that is correct as they do not have phones. She faxes them my packet. I said whos to say they got a complete packet she said she has a fax confirmation sheet. I replied so did I and I am still getting rejected. I asked if there is a grievance policy and form as I would like to make a formal complaint and she replied there is no grievance policy. It was on a recorded line and will reflect she said there is no grievance policy and no way of showing that the department that reviews POA applications actually got the full packet.
Consumer complaint received 2022-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

This account is not mine, I don't authorize anyone to use my account, Please remove this inaccurate account. 


XXXX XXXX XXXX Account # XXXX Bal : {$6800.00}
Consumer complaint received 2022-02-23
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: EQUIFAX, INC. (NY)

I have a loan with XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617.. 


XXXX XXXX XXXX
Consumer complaint received 2022-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a loan with XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with TRANSUNION & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617.. 


XXXX XXXX XXXX
Consumer complaint received 2022-02-23
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. (NY)

I have a loan with XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EXPERIAN & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617.. 


XXXX XXXX XXXX
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

AS OF XX/XX/XXXX LVNV FUNDING LLC ACCOUNT NUMBER : XXXX IS FALSELY REPORTING LATE PAYMENTS ON MY XXXX CREDIT REPORT. LVNV IS REPORTING TO XXXX THAT I WAS LATE PAYING THEM 120 DAYS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I HAVE NEVER MADE ANY PAYMENTS OR HAD ANY FINANCIAL OBLIGATION TO THIS COMPANY. I HAVE BEEN DISPUTING THIS ACCOUNT WITH XXXX FOR SOME TIME AND NO PROGRESS HAS BEEN MADE. DUE TO THESE INCORRECT LATE PAYMENTS, I HAVE BEEN DENIED CREDIT DUE TO THIS ERROR REPORTED BY LVNV. IN ADDITION, I WAS NEVER GIVEN THE RIGHT TO DISPUTE THIS ACCOUNT BEFORE IT ENDED UP ON MY CREDIT REPORT. LVNV HAS VIOLATED FCRA 15 U.S. CODE 1692e ( 10 ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : I HAVE ATTACHED PROOF FOR YOUR REVIEW.
Consumer complaint received 2021-12-09
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. (IL)

XXXX XXXX did not even reach out to me or offer me help with my payment after running behind this month, before they threw a 30 day late onto my credit reports on XX/XX/2021 which dropped my credit score XXXX pts and it was already low at XXXX not because I do not pay well, had excellent pay history but because of my student loan debt! I had a perfect pay history and work for the State of IL IDES!!! I want them to help me and remove that 30 day late!! I am a twice widowed mother doing all on my own and need some help!!!! I not only paid the past due amount but this months full payment as well on XX/XX/2021 which is when I got paid and the soonest I could yet they still turned around and ruined my credit score and I have two cards with them and always pay on time!!!! 

We have processed your request to schedule a payment for your XXXX XXXX account. If you did not make this request, please contact Customer Service immediately. 

You can confirm cancelled, scheduled or received payments by clicking here. 


Sincerely, XXXX XXXX  Customer Service Completed Transactions Filter Activity Since XXXX XXXX Statement Sort by : XX/XX/XXXX PAYMENT - THANK YOU $ XXXX XXXX XXXX 30 DAYS LATE Credit Cards {$1900.00} Status Date Reported XX/XX/2021 Payment Status 30 Days Late Amount Past Due {$150.00} Account Details Account Type Charge account Responsibility Individual Age Of Account 0 Years, 7 Months Credit Limit {$2000.00} Credit Used 98 % Available Credit {$45.00} Highest Balance {$2100.00} Payment Details Amount Past Due {$150.00} Date of Last Payment Dec 01, 2021 Monthly Payment {$100.00} Payment Frequency Not Reported On Time Payments 100 % Worst Pay Status Current Lender Info C/o XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX Payment History 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX her doing all on my own and need some help!!!!
Consumer complaint received 2022-06-16
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. (VA)

Hippa rights has been compromised XXXX XXXX XXXX and Equifax has violated my rights 15 U.S.C 1681 section 602 A States I have a right of privacy which both company has violated 15 U.S.C 1681 section 604 Section 2 It also states a consumer Agency can not furnish a account without my written permission which has also violated They also said the information has been verified and did not send me procedure of the investigation and binding signature that I had a contract with XXXX XXXX XXXX due to all the violations XXXX XXXX XXXX has violated I'm requesting the accounts be deleted of my Equifax credit report XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$290.00}
Consumer complaint received 2022-02-23
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-04-23
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)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-08-22
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 Transunion. I do not understand why they are abusing consumers .This 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-04-24
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. (LA)

I have done several disputes with several credit card companies trying to get them to send me info showing that the accounts are mine. 
They sent the account to a collection agency XXXX XXXX. I paid the balance due bc I needed my credit fix with XXXX XXXX. I told XXXX XXXX that even though these accounts are not mine I am willing to pay so I can better my credit. I paid the express store card from XXXX XXXX  and the XXXX XXXX XXXX card from XXXX XXXX. I keep disputing with XXXX XXXX XXXX XXXX and XXXX XXXX from XXXX XXXX  and they dont respond or send anything validating the accounts are mine at all. I been disputing this with these companies for a long time now. If they cant produce paperwork indicating these are my accounts then they need to remove these accounts from my credit report.
Consumer complaint received 2021-12-09
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)

I filed with Experian number XXXX These accounts arent mines they do not have my whole social security number and it is not on my other 2 credit reports it only is reporting on Experian account not mines
Consumer complaint received 2022-04-24
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. (PA)

In accordance with the fair credit reporting act. XXXX, XXXX, Equifax has violated my federal protected consumer rights to privacy and confidentiality, under 15 U.S.C,1681. XXXX  account XXXX XXXX XXXX XXXX has violated my rights Regional 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-24
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. (PA)

In accordance with the fair credit reporting act. Experian, XXXX, XXXX has violated my federal protected consumer rights to privacy and confidentiality, under 15 U.S.C,1681. XXXX  account XXXX XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-24
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account XXXXXXXX XXXX XXXXXXXX Account XXXX, XXXX XXXX XXXX  Account XXXX, XXXX XXXX XXXX Account 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 2022-06-16
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. (MO)

On XX/XX/2022 I received the crediting reporting agencies investigation letters. The CRA 's still have yet to correct the inaccuracies on my consumer credit report. I have attached the last letter to try to resolve this matter out of court. If the CRA 's do not resolve this matter within the next 14 days I will be forced to enforce my foreign judgment XXXX.
Consumer complaint received 2022-08-22
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. (AL)

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 us 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 XXXX 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 .This 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-22
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. (VA)

This complaint was also submitted by telephone to XXXX at XXXX on XXXX XX/XX/2022. The telephone complaint tracking number is XXXX. 



I have been informed by my insurance company XXXX XXXX XXXX XXXX ) that the rates on my home and auto insurance coverage are being increased due to a decrease in my insurance score ; probably due to a decrease in my credit score. My score recently dropped from a tier XXXX to a tier XXXX. 


For several years my credit score has varied between XXXX and XXXX. 


At XXXX XXXX XX/XX/2022 I called Experian. During the call I spoke with XXXX in the membership department. He informed me that my credit score is XXXX and the decrease was probably due to a negative score factor for a non-mortgage installment loan. I informed XXXX that have no loans. He refused to give me any more information unless I upgraded my membership. I refused to do so. 


Checking on-line it appears that Experian is required to identify any sources of negative information. 


At XXXX XXXX XX/XX/2022 I called Experian. During the call I spoke with XXXX in the membership department. She confirmed that the negative score factor for a non-mortgage installment loan is part of my record and initially refused to identify the source. When I pressed her she responded that they are just given the numbers and are not required to verify the numbers or the source. I informed her that I wanted the negative score factor for a non-mortgage installment loan removed and my credit score adjusted accordingly. She refused. 


Both XXXX and XXXX claimed at the beginning of the calls that the calls were being recorded. The above conversations should be easily verified.
Consumer complaint received 2022-04-24
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. (NY)

In accordance with Fair Credit Reporting and XXXX  Account # 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 an account without my written instructions.