davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-15
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: EQUIFAX, INC. (CA)

I was a victim of the data breach, had his information sold on the dark web on XXXX XXXX  data breach, and had to sue a dealership for fraud as well. 

I sent a 605B affidavit with a police report showing the numerous amounts of fraud with the information of the multiple breaches. This 605b FTC affidavit was sent to all 3 credit bureaus XXXX, XXXX, AND EQUIFAX. This FIRST affidavit was sent back in EARLY XXXX of XXXX. 

XXXX  respected the 605b/police report and had all of the fraud removed off my credit report. 

EQUIFAX did NOT respect the 605b/police report and the XXXX XXXX credit card ending in XXXX that had fraudulent activity was NOT removed. 

XXXX did NOT respect the 605b/police report and 3 credit cards that had fraudulent activity on them were NOT removed even though the police report and 605b showed the FRAUD. The 3 cards in  mention are by the following creditors XXXX XXXX ending in XXXX ( same as previously mentioned ) XXXX  XXXX card ending in XXXX and XXXX XXXX starting with XXXX. 

I spoke with both XXXX  and EQUIFAX they said the verbiage in the 605b wasn't correct for the TYPE of Fraud i was reporting. 

I have sent a NEW 605b affidavit and the same police report on XX/XX/XXXX, XXXX  still has NOT removed the 3 accounts in mention and EQUIFAX still has NOT removed the one account in mention. THEY DIDNT EVEN START a dispute till XX/XX/XXXX.
Consumer complaint received 2022-05-18
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)

In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the rights 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 2020-05-15
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: Fairway Independent Mortgage Corporation (PA)

XXXX XXXX/FAIRWAY IND unlawfully pulled my credit with unauthorized purpose. I tried resolving through the credit bureau and directly with the furnisher of information but they are ignoring my request. I am demanding XXXX XXXX/FAIRWAY IND to produce proof of permissible purpose by me or remove the inquiry from my credit reports immediately. 
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Inquiry on my credit report : FAIRWAY INDE Inquiry Date : XX/XX/XXXX ; FAIRWAY INDE Inquiry Date : XX/XX/XXXX XXXX
Consumer complaint received 2020-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NM)

Wells Fargo is refusing to cancel private mortgage insurance on our mortgage even though it has reached an LTV ratio of 78 %. Ive contacted the company numerous times, and on XX/XX/2020, they sent a letter acknowledging that we reached 78 % LTV, but refuses to automatically cancel PMI.
Consumer complaint received 2020-05-15
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: EQUIFAX, INC. (CA)

I recently applied for a XXXX XXXX credit card and when they ran my credit they said I was not approved and I would receive a letter in the mail with the details of why I got denied. Today XX/XX/2020 I received the letter and it said that the reason I was not approved was that I had one or more accounts in negative standing. I know I don't have any negative accounts on my credit so I got a copy of my credit report and there are three accounts with negative payment history that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX. I have never had an account with any of these companies nor am I affiliated to them in any way. I have no idea who opened these accounts in my name without my permission but I did not benefit anything such as money, goods or services and I never made any payment towards any of these accounts. I have already filed a police report and a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2022-05-18
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. (FL)

In accordance with the fair credit Reporting act XXXX XXXX Account ending in 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 a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-05-15
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. (NY)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 
Status Updated XX/XX/XXXX Account Name XXXX XXXX   Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX.Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 
General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 



General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 
Status Updated XX/XX/XXXX General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX  Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 
Status Updated XX/XX/XXXX General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 
Status Updated XX/XX/XXXX General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX  XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 



General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX/XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX/Never late. 
Status Updated XX/XX/XXXX
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 15 USC section 1681 section 602 states I have the right to privacy.15 USC section 604A Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2019-06-17
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. (AZ)

Have written to Transunion, XXXX and XXXX  3 times in regards to XXXX XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Consumer complaint received 2019-05-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (VA)

As of XX/XX/2019, an account from American Medical Collections that appeared on my credit report was found to actually be with the original creditor XXXX XXXX, in the amount of {$120.00}. This account was immediately paid with the original creditor. I have no financial obligations to American Medical Collections, yet they continue to report to the credit bureaus a collections account in the amount of {$120.00}. I have called and submitted my receipt multiple times. AMC refuses to remove this false negative report, thus damaging my credit.
Consumer complaint received 2020-05-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I am being discriminated against by Credit Acceptance. The  discrimination is based on several factors. 

I supplied with Credit Acceptance full acknowledgement they received payment on a timely notice, then why not correct the error. 

Upon researching, I observed these biases are predominantly present within the lower socioeconomical buyers. This is applauding as to the terms within the contract. Its as if though I am helpless against big corporations such as credit acceptance refusing to treat buyers fairly and just. 

Its noticeable within some contracts within the less fortunate population payments are often reported late when on time. Due to it being a second chance finance company it takes full advantage on this premise. 

Initially the complaint was deemed unnecessary however to date, I have never received my title for this car. As per XXXX law I am Suppose to have this title. 

My vehicle has been parked for three months due to me not receiving the title for this car because its not able to be driven. 

I advised, I needed to obtain the title for insurance and registration purposes. 

To date, I have not received the title. The Company quickly adjusted the balance and after the complaint was closed changed the amount back. 

They are practicing discrimatory practices. There is no disputable fact, they received payment for those months on time. 

The company refuses to ensure they report accurately report such payments.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX  and Equifax are reporting a closed collections account as still open, which is resulting in a derogatory mark on my credit score. I had an account with XXXX XXXX XXXX which was placed for collection on XX/XX/XXXX for the amount of {$79.00}. This account was paid in full and closed on XX/XX/XXXX. When the account was paid, XXXX XXXX XXXX contacted XXXX  and Equifax twice a month for three months requesting they close and remove the collections account from my credit report. I also disputed the account status with XXXX  and Equifax myself. While XXXX  and Equifax both show the account balance as XXXX ( and even have a closure date of XX/XX/XXXX on the account ), they still have not closed or removed the account as requested both by me and the collection agency, XXXX XXXX XXXX.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (PA)

XXXX is reporting on my report as a charge off, but with a balance. If it is a charge off they have already been paid for it. Also XXXX is part of a class action lawsuit that I am included in that reveals that they are incorrectly reporting information. Per 604 A 15 Us Code 1681 B, I never gave written consent to furnish any information about my account and per 605A 15 1681 C1 no written consent is considered identity theft.
Consumer complaint received 2024-11-04
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. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XXXX my identity was stolen. I reported it and froze my credit immediately after. Transunion, however, allowed the perpetrator to unfreeze my credit shortly after. I created a transunion account to keep track of whether or not my credit stated frozen, and they forced me to provide credit card information to create an account. It wasn't clear that they were going to automatically enroll me in credit monitoring services. I found the transactions on my credit card in XXXX. 

Transunion should be ashamed of themselves. These companies use our personal information, force us to go through significant barriers to freeze our credit, and then instead of allowing me to make sure they don't make more mistakes, they charge me XXXX a month. This is ridiculous. I'm XXXX XXXX with 17 years of service, and this is how I'm treated. These companies need to be shut down.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2021-05-01
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: Experian Information Solutions Inc. (NV)

XXXX XXXX had a covid extension/payment assistance that was to help people affected by the pandemic, well atleast what was advertised not what was done. After, speaking with a rep about my impact from the pandemic I was told by both the Rep from XXXX XXXX  and well as it was listed on their site/mobile app that due to the pandemic more payment options were provided with extensions and option for flexible payments throughout. As I made payment to best my ability through the pandemic I was still being dock for late payments fees AND late payments on my credit reports. Iam astound how XXXX XXXX XXXX has handled this. Ive called multiple times for the past 2-3 months and each time the reps give you the run around tells you it takes 45 days for a response. They continue to change the dates transfer you over to a supervisor who dates are different from the previous .they cont. to give a run around and not acknowledge of your concerns. These lates need to be removed
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

XX/XX/XXXX - I tried to contact Equifax by email and ran into the same problem I had in my inability to obtain a report. Equifax told me to enter a verification code from my email address. Instead of receiving a verification code, I got something that can only be described as a phony email. In both cases, I received the following : From : no-reply@email.equifax.com Sent : Tuesday, XX/XX/XXXX XXXX PM To : XXXX Subject : Your One-time Verification Code Enter your one-time verification code to access your account SIGN INTO MY ACCOUNT Your Verification Code Dear XXXX, Thank you for requesting your verification code by email. To complete your authentication, use the following code : Please note that this verification code will expire in 30 minutes.

If you did not initiate this change or believe an unauthorized person may have accessed your account, please contact Equifax support. 
Sincerely, Your Equifax XXXX XXXX  Team Privacy Policy | Terms of Use | FCRA Copyright Equifax XXXX Please do not reply to this email. For help, visit Equifax XXXX
Consumer complaint received 2024-11-06
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. (FL)

Subject : Complaint Regarding Reinsertion of Previously Deleted Information in Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the reinsertion of information that was previously deleted from my credit report. This action violates Section 611 ( B ) of the Fair Credit Reporting Act ( FCRA ), which clearly outlines the procedures and requirements for such reinsertion. 
Details of the Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION deleted the following information from my credit report : was removed from your credit report. This deletion was based on removed account. 
XXXX XXXX XXXX XXXX  Despite the clear provisions under Section 611 ( B ) of the FCRA XXXX which require a creditor or information furnisher to notify me in writing of their intent to reinsert any deleted information, I recently discovered that TRANSUNION has reinserted the previously deleted information mentioned above. However, I did not receive any prior written notice regarding this reinsertion. 
XXXX XXXX XXXX  This reinsertion has adversely affected my credit standing and financial reputation. It has potentially harmed my ability to obtain favorable terms on loans, credit cards, and other financial products. 
XXXX XXXX XXXX XXXX XXXX In accordance with the FCRA, I request the following actions to be taken : XXXX. Conduct a thorough investigation into the reinsertion of the deleted information in my credit report. 
XXXX. Ensure that Transunion complies with the notification requirements outlined in Section 611 ( B ) of the FCRA. 
XXXX. Correct my credit report by removing the reinserted information promptly. 
XXXX XXXX XXXX XXXX  Enclosed with this complaint are copies of relevant documents, including : - Copies of correspondence with Transunion regarding the original deletion. 
- Copies of my current credit reports highlighting the reinserted information. 
- Any other supporting documents deemed necessary to investigate this matter. 
XXXX XXXX : ** Please feel free to contact me at the above address or by phone at XXXX should you require any further information or clarification regarding this complaint. 
I appreciate your prompt attention to this matter and look forward to your swift resolution. Thank you for your assistance in protecting consumer rights under the FCRA. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-05-21
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$12000.00} DPT ED XXXX XXXX {$4000.00} DPEDXXXX XXXX {$4000.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$3500.00} XXXX XXXX {$400.00} DPT ED XXXX XXXX XXXX XXXX {$2200.00} DPT ED XXXX XXXX {$4100.00} XXXX XXXX {$0.00} XXXX  XXXX {$1300.00} DPT ED XXXX XXXX CHAPTER XXXX BANRUPTCY FILED