davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-30
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 am a XXXX veteran trying tp purchase a home. I noticed that XXXX XXXX is duplicated twice on my XXXX report listed below. I dont owe this company anything. 
According to Louisiana state law CC 2682. 
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I have not XXXX, Transunion have not showed proof please remove. This is affecting my ability to provide shelter for my family. 
XXXX 1. Date Reported : XX/XX/XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1500.00} XXXX XXXX XXXX   Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1000.00}
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: RockLoans Holdings LLC (NJ)

XXXX XXXX charge XXXX I was not authorized, and report to my credit report Rocket loan report XXXX installments loan to my credit report, this is someone use my ssn to get personal loan, I was a identity Theft person on XX/XX/2022, I gave police report, FTC report, but they not respond it, cause my credit from XXXX to XXXX, I never make loan, I dont need, this 2 company is unsecured company
Consumer complaint received 2022-10-13
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. (NY)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reported on my Credit Report : XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX Balance Owed XXXX {$2400.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (DE)

For the past 8 months Ive been actively trying to rectify errors on my report and Navy federal & the credit bureaus has been disregarding my rights according To the fair credit reporting act. 

The close date, charge of date, current status and date of last activity is incorrect and varies from each bureau. 

I was denied a mortgage today because of the discrepancies. 

I also attached a statement of truth for my and your records if i need to use this in the future.
Consumer complaint received 2022-10-13
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 have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reported on my Credit Report : XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX Balance XXXX : {$2400.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-07-26
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. (CA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2021-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (GA)

I advised US bank that fraud occurred on my account on XX/XX/21. They have yet to provide credit or resolution. I have spoken with them multiple agents. Have been provided incorrect information several times as it relates to the timeframe that credit or resolution would be completed. They charged fees for the transactions which had a negative impact on me. The withholding of funds has also had a detrimental effect on my self and family.
Consumer complaint received 2022-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CA)

I was a customer of XXXX for about 3 years. During XXXX, XXXX experienced a data breach in XXXX of 2021. My account was affected by this breach and my personal information was compromised as well as my account. I began receiving charges I had no knowledge of. XXXX said they couldn't provide any information regarding the charges. My bill became outrageous so I switched companies. I keep tract of my identity through XXXX identity monitoring and thats when I was alerted about the data breach. It showed me that my information was compromised as well as another individual 's name being attached to my account and phone number. I do not have any knowledge of who this individual is, nor the addresses my information was used at. I looked up the XXXX address and it doesn't exist. I've disputed the debt multiple times and provided them with the information I received from XXXX and they refuse to drop the debt.
Consumer complaint received 2022-11-20
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. (AL)

I keep receiving notifications from my credit monitoring service, that my score SEVERELY decreased due to missed payments on my car loan. Although I HAVE NOT missed ANY payments, XXXX XXXX has reported I have missed my payments for 4 months! I called XXXX XXXX and they told me to dispute it, then they would correct it! I did and NOTHING was updated and/or corrected! I have NEVER paid 30 days late and according to FCRA and 15 US Code 1666b, inaccurate information must be removed and deleted immediatley! I have disputed the inaccurate information EVERY month since XX/XX/XXXX - present, which has been WELL OVER 30 days for XXXX XXXX to correct it! Now, I feel I need to SUE becuase I am very distressed that they have reported late payments/past due info in my credit profile due to damaging effects on my credit standing! 

Also, I purchased this vehicle in XX/XX/XXXX and I have only had the vehicle in my possession for 6-7 months! The remainder of the months it was in the REPAIR SHOP with MAJOR issues, icluding leaking GASOLINE inside of it, which has also caused me to now have XXXX XXXX!
Consumer complaint received 2024-09-17
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: EQUIFAX, INC. (TX)

I am writing to urgently notify you that I have become a victim of identity theft, resulting in several fraudulent accounts being added to my credit report. These unauthorized accounts were opened without my knowledge or consent, and I am requesting immediate action to resolve this issue. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have filed an official identity theft report with the Federal Trade Commission ( FTC ) and formally request the removal of these fraudulent accounts to restore the accuracy and integrity of my credit report.
Consumer complaint received 2020-06-29
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I purchased a condo in XXXX, FL in XXXX, and approximately 12 years ago ( during the housing crisis in XXXX ) I refinanced the condo. Since then the mortgage has gone through multiple companies ( I've lost track ) and has even been refinanced a second time through SPS, Select Portfolio Servicing. I kept all the piles and piles of paperwork over the years and can prove that only one mortgage company, SPS is associated with this property. No other mortgage or loan company has appeared on my credit report for this property. Now out of the blue this company, SLS?, is trying to say they hold a mortgage on the condo. According to the XXXX, this type of activity has been reported many times and is a common behavior of this company, SLS. The public reports and complaints indicate that many people have experienced being treated this way by SLS. I'm not sure how many hands my mortgages went through during the housing crisis but it is horrible to think that a company would take advantage of all the confusion and shuffling of paperwork and make false claims against properties. Hopefully, this is an honest error on their part and they will acknowledge their mistake.
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MA)

For almost 7 months I have contacted American Express to fix an issue to where they are not applying for my payments according to the terms of the agreement. Every month they have stated that they would take care of the issue, however, they never have. This is not a new issue and they are not blind to the fact that it is happening unless it is willful blindness. I make more than the minimum payment every month but they do not break the payments up according to the contract. On several occasions I attempted to get this fixed without any resolve, however the company continues to send responds just to indicated a response however all responses to date do not address the actually issue. Payments in excess of the min payment are not being applied to the highest APR appropriately as indicated in the credit card agreement. And disputes are being closed without proper explanation. Court docs where sent the XXXX XXXX, XXXX, and XXXX XXXX without any response.
Consumer complaint received 2022-07-03
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. (TN)

I did not consent to or benefit from the following information : Transunion, XXXX, & XXXX listed on my consumer report, block or remove the following account XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed your are civilly liable for reporting the information and its also inaccurate.
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX my store credit card was charged {$2100.00} at a store I have never been to nor do I even have membership. I received an email from the bank about suspicious activity on my account. I immediately contacted the credit card company to report what had occurred and attempted to resolve the problem. Every month since, I was charged with the fraudulent purchase ( at times I was charged twice XXXX. I called the company every month to resolve this issue, however the transaction kept appearing on my account on my next statement despite ongoing investigation and multiple phone calls. 


On XX/XX/XXXX, after 5 months of investigation I still had not received an update from the credit card company. I called them and I was told when I called the credit card company that the investigation lead them to still charge me for the fraudulent purchase as the purchase was completed by chip despite my card never being stolen or misplaced.
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed with TRANSUNION, XXXX, & XXXX about inncorrect information on my credit report and they refused to remove it. In accordance with the Fair Reporting Act, Account # XXXX US DEPT ED, Account # XXXX USDOE/XXXX, Account # XXXX Child Support, Account # XXXX XXXX, Account # XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. In accordance to 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 : also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 states : If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer ; ( 2 ) provide to the consumer written or electronic disclosure. I did not give these companies written permission to furnish anything on my credit report.
Consumer complaint received 2018-10-16
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)

On or about XX/XX/2018 my credit report from Trans Union showed the incorrect information that I have a late payment account and a collection account with the amount of {$1300.00} from XXXX XXXX XXXX which is the debt I do not owe. 
I disputed and Trans Union refused to delete the incorrect information on my credit report.
Consumer complaint received 2022-06-30
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. (IL)

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 719transunion has me at a score around 590. 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 n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-10-22
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. (IL)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX 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 2022-08-20
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. (AL)

n 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 instructio
n.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (KS)

DIRECT DEPOSITS ARE NOT POSTING TO OUR ACCOUNTS AMERICAN EXPRESS SERVE THE COMPANY HAS TWEETED OUT THEY ARE AWARE OF THE PROBLEM AND WORKING ON IT HAS BEEN OVER 72 HOURS American Express Verified account @ AmericanExpress 6h6 hours ago Were aware of an interruption to direct deposits affecting Personal Savings, Bluebird, and Serve customers. Please know your funds are safe. Were working w/ our partners to resolve the issue. We apologize for the inconvenience.
Consumer complaint received 2022-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

They have been calling almost constantly every day, especially at work. They are looking for a XXXX, who may be my brother, and assuming he lives with me. I told them to stop calling my number and I would report them. They show up on call waiting as Midland Credit, and have been using different numbers.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

My score disappeared on both Experian and XXXX and I have XXXX negative accounts, its been 6 months of positive history with multiple accounts and still Im unable to get my score as if I have no credit which is hurting my ability to obtain funding. I have called in several times to try and fix this matter in which they promised it would be updated and still I have seen no change.
Consumer complaint received 2022-11-20
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: EQUIFAX, INC. (AL)

I keep receiving notifications from my credit monitoring service, that my score SEVERELY decreased due to missed payments on my car loan. Although I HAVE NOT missed ANY payments, XXXX XXXX has reported I have missed my payments for 4 months! I called XXXX XXXX and they told me to dispute it, then they would correct it! I did and NOTHING was updated and/or corrected! I have NEVER paid 30 days late and according to FCRA and 15 US Code 1666b, inaccurate information must be removed and deleted immediatley! I have disputed the inaccurate information EVERY month since XX/XX/XXXX - present, which has been WELL OVER 30 days for XXXX XXXX to correct it! Now, I feel I need to SUE becuase I am very distressed that they have reported late payments/past due info in my credit profile due to damaging effects on my credit standing! 

Also, I purchased this vehicle in XX/XX/XXXX and I have only had the vehicle in my possession for 6-7 months! The remainder of the months it was in the REPAIR SHOP with MAJOR issues, icluding leaking GASOLINE inside of it, which has also caused me to now have XXXX XXXX
Consumer complaint received 2022-07-08
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. (GA)

I received a copy of my credit report and noticed some hard inquiries that i don't recognize. 

XXXX XXXXXXXX XXXX XXXX XXXX