davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$5500.00} XXXX XXXXXXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2023-01-31
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXXXXXX XXXX Inquired on XX/XX/2023 XXXX
Consumer complaint received 2023-01-31
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2023-01-31
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. (NJ)

XX/XX/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 The above mentioned inquiries were reported on my credit report. I did not authorize them. I have tried to report them to XXXX, but they have indicated I need to submit a fraud report through CFPB.
Consumer complaint received 2023-01-31
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. (CA)

I HAVE ASKED EXPERIAN, XXXX AND XXXX MULTIPLE TIMES TO INVESTIGATE THE ITEMS THAT ARE REPORTING ON MY CREDIT REPORT AND IF UNABLE TO VERIFY TO DELETE. 

I recently submitted a dispute requesting that they remove the following inaccurate accounts ( or that you update the erroneous information ) and it was ignored. I asked for their method of verification and documentation to prove they performed an independent investigation. 

They did not send me any sort of information but instead, denied my dispute and just verified everything as accurate. 

I also noticed that are reporting the date of the last activity incorrectly on one and payment history is inaccurate on the others. How is this possible? 

These disputes were ignored : XXXX XXXX - delete this account for inaccuracy, the date of last activity states : [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] XXXX XXXX XXXXXXXX - delete this account for inaccuracy, the payment date is reporting at 30, 30, R. This is a violation. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX - delete this account for inaccuracy, the payment history is reporting in XXXX : 30, 60, 60, 60, 90, 60, 90, 90 this is a violation. 

I would like ALL of these accounts removed from my credit report as the bureaus DID NOT file an investigation nor did they provide me with the documentation asked in order to confirm their findings.
Consumer complaint received 2023-01-30
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. (AL)

I recently received a copy of my credit reports, and I noticed a late payment posted by XXXX XXXX XXXX XXXX for XXXX, XXXX, & XXXX last updated on the XXXX of XX/XX/2023. 

This company reports a 30 day late without my consent. 
XXXX XXXX Acct # - XXXX Your company is in clear violation of the law, Under 15 U.S. Code 1681b Permissible purpose of consumer reports.

THE LAW CLEARLY STATES!

( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I ever give you written instructions to furnish this account on my report?

Furthermore, the Fair Credit Reporting Act 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I never gave written consent to provide information to any third parties about the reporting of transactions and experiences.

Delete the above late payment from my consumer report. This agency is in violation of 15 U.S. Code 1681.

Failure to respond satisfactorily with the deletion of the above referenced account, and a free copy of my updated credit report after changes have been made, will result in legal actions being taken against said company. For which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil Liability for willful noncompliance [ 15 U.S. Code 1681n ]
Consumer complaint received 2020-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (MI)

I refinanced my loan with New American. They were my prior lender. My loan was to close in XXXX but they made a few mistakes and had to redo the papers. It was agreed it was not an error on my end as I signed the documents their agent brought to my home days early. 

I was not to pay PMI for the months of XXXX and XXXX but I recently received my statement and despite being told I would not be charged, I was. 

I have been charged XXXX for XXXX and XXXX respectively and I am requesting a refund
Consumer complaint received 2023-01-30
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. (NC)

Hello, you're currently violating my rights under the law. The IRS describes a charge off as gross or ordinary income and you're currently reporting charge off 's on my credit. Now tell me are all this accounts reporting as debt? This is not accurate of fair information that you're reporting on my credit. Here 's one violation, 15 USC 1681 talks about accuracy and fairness of reporting. Second violation, 15 USC 6801 protects my information of non public personal information and also violation of 15 USC 6802 obligation to respect of disclosure and all this company 's did not provide me this information. They also, never never sent me a 1099 cancellation of debt form. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have violated me. I need this charge off be deleted. I demand that this charge off be deleted from my credit.
Consumer complaint received 2023-01-30
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: AR Resources, Inc. (MD)

This morning I was notified that I had a non paid debt of {$67.00} reported to the credit bureau by A R Resources XX/XX/XXXX. I immediately called them because I knew I didn't have any late payment and I have ( HAD ) a perfect credit score. Apparently the debt is owed by a person with the same name who lives on XXXX XXXX. I see that this company has had over 600 complaints since XXXX and XXXX with the XXXX XXXX XXXX. This is so upsetting and time consuming. Then, I am left to fight this with all of the credit bureaus. Thank you for any help you can give me.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One has a long standing company policy of ignoring the bylaws of the Fair Credit Act. On XX/XX/2020 I called to dispute a {$530.00} charge from XXXX which was a duplicate billing by this firm backed up by an email I recieved from XXXX acknowledging a credit should had been processed. Once I got my statement from Capital One I saw the credit had not been issued by XXXX  so I called Capital One to dispute the charge. After getting their Customer Service Department to agree it was a worthy dispute they transferred me to their Dispute Department at Capital One. The Dispute person argued with me for over 20 minutes about not wanting to issue the Dispute. This is a long standing approach I have found Capital One 's dispute department does on a regular basis, ignoring the Fair Credit Act. If they don't want to issue the required Dispute on a person 's credit card they simply hang up on the consumer. I want to complain that I have seen this approach by Capital One concerning consumer 's that wish to file a credit card charge dispute possibly costing consumers millions of dollars in " bad credit card charges '' that Capital One does not allow one to dispute.
Consumer complaint received 2023-01-30
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. (MD)

A XXXX XXXX account was made on my behalf, without my consent or permission and it has been created and reported on all XXXX credit bureaus. 

My current account XXXX advantage by web bank will end with XXXX and XXXX joined a new financial institute or whatever may have been. 

However, we werent informed that a new account tradeline would be created from this and our old account reported closed on our reports through email. It negatively affected my credit and me buying a home. 
I did not agree, apply or give any personal information for this company to give my information to another company and create and account on my behalf. I want this account removed immediately. It does not belong to me.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Hello, you're currently violating my rights under the law. The IRS describes a charge off as gross or ordinary income and you're currently reporting charge off 's on my credit. Now tell me are all this accounts reporting as debt? This is not accurate of fair information that you're reporting on my credit. Here 's one violation, 15 USC 1681 talks about accuracy and fairness of reporting. Second violation, 15 USC 6801 protects my information of non public personal information and also violation of 15 USC 6802 obligation to respect of disclosure and all this company 's did not provide me this information. They also, never never sent me a 1099 cancellation of debt form. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have violated me. I need this charge off be deleted. I demand that this charge off be deleted from my credit.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Dovenmuehle Mortgage, Inc. (NC)

Account was disputed at the time as inaccurate. Removed in XXXX of 2019. Loan # XXXX Lender being Dovenmuehle Mortgage. Account is in fact accurate and correct. This was a mistake by myself. The consumer XXXX XXXX XXXX XXXX. Dovenmuehle is now continuing to report this information as current, XXXX  continues to suppress and block this correct information.
Consumer complaint received 2023-01-31
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)

A XXXXXXXX XXXX  account was made on my behalf, without my consent or permission and it has been created and reported on all 3 credit bureaus. 

My current account XXXXXXXX XXXX XXXX XXXX XXXX will end with XXXX and XXXX joined a new financial institute or whatever may have been. 

However, we werent informed that a new account XXXX would be created from this and our old account reported closed on our reports through email. It negatively affected my credit and me buying a home. 
I did not agree, apply or give any personal information for this company to give my information to another company and create and account on my behalf. I want this account removed immediately. It does not belong to me.
Consumer complaint received 2023-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (TX)

On the day of XX/XX/2023, A letter from a Debt Collection Agency called : Caine & Weiner falsely engineered in the amount of {$760.00} has arrived through my private postal service mailbox. Amount is in the positive amount as if they are claiming to owe a credit to me, yet want someone to send them money for no reason. This debt collector is using a name similar to mine which is identity theft. seeking payment though a mailbox without the proper accounting is racketeering. 

I will now need the following from this unknown debt collector : 1. A legal contract with my wet ink autograph and Caine & Weiner wet ink autograph showing a legal bind between both.

2. A true bill claiming i owe them such funds and/or debt.

3. A signed contract with my wet ink signature where i allow them to use my name no matter the spelling to sell information to credit bureaus. 
4. If they are debt collectors which allegedly bought a debt from another legal fiction corporation, show me of the contract and the paperwork for the sum purchased and any transactions binding my name.

5. Show me of a license to operate in the territory and state of texas.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
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)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-01-30
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. (CA)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 
The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return ACCOUNT NAME : AXXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX - XXXX XXXX XXXXT # : XXXX I also sent these companies certified mail in dispute and they do seem to take care of this notice. Below is attachments of the certified stamps, consumer report, ID, XXXX, Bank statement. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-31
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)

in accordance with the Fair Credit Reporting act, EXPERIAN has violated my rights.

15 USC 1681 ( A ) ( 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.

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 On XXXX i sent a certified letter to experian requesting them to respect my privacy. 
experian responded with they verified the accounts were mine. I did not ask experian to verify account. I asked experian to remove accounts they furnished and shared without my written or oral consent. I request experian to send me a notorized letter stating I gave experian permission to share information. Experain failed to send me documents
Consumer complaint received 2020-05-27
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. (TX)

REMOVE ALL XXXX  LOANS XX/XX/2017 - Formerly part of XXXX XXXX , XXXX, XXXX  is the largest student loan servicer ... Today 's lawsuit alleges that XXXX has been in violation of the ... 
CFPB Sues Nation 's Largest Student Loan Company XXXX  for Failing Borrowers at Every Stage of Repayment XXXX, Formerly Part of XXXX XXXX, Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception
Consumer complaint received 2023-01-30
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Business and Consumer Solutions. (TX)

XXXX Called FBCS to determine what the letter I received from my grandmother was about. They did not have my current mailing address on file. They actually had an address from 7 years ago on file and not my current name. 

I asked for them to verify the debt by mailing proof of the promissory note. The agent insisted on me emailing them first to give them permission to email me back. I said I would prefer written correspondence to be sent via mail, not electronically. He continued well, maam you can print off a hard copy yourself when you receive the email from us. 

He then proceeded to ask for my grandmothers phone number to which I replied I am not obliged to offer her number to anyone at this time. He replied oh we have several numbers on file to reach her at. That is not ok in my book. If theres a debt with me, reach out to me. Do not involve or threaten to reach out to my grandmother. 

I called XXXX XXXX XXXX and they do not have any recollection of a student loan taken out in my name/my grandmothers name for the amount they proposed.
Consumer complaint received 2023-01-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Global Credit Union (WA)

For XXXX XXXX XXXX loan. 
Alaska USA Federal Credit Union. 

I called XXXX to get a payoff amount to pay it off. Person gave me an amount but I could not pay it via XXXX their payment system and she said she would do it. She gave me amount of XXXX. She said it was more than today 's amount owing because it would take a few days to process. I said OK. 

XXXX I called again because nothing taken from my bank account for payment. i was told the previous person " screwed up '' and it wasn't processed. They then said they would process the amount which at that time was now reported as XXXX by employee # XXXX XXXX. Request # XXXX XXXX Still nothing taken from my account. Spoke to XXXX, employee # XXXX. She assured me she'd take care of it and also it would be the proper payoff of XXXX. 
On XXXX the amount of XXXX was taken from my account. However, now my account is open and showing {$26.00} due by XXXX. Therefore, my car not paid off and not reported as paid. i have no title to the vehicle either. They planning on holding my title now until more money than previous balance paid or XXXX? this is absurd. 

I have tried calling them a total of 6 times to straighten this out. Everytime I get the runaround and empty promises. I want this showing paid off and my car title as I am entitled to!