davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-10
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)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

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 items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-30
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 
Under 15USC1681 Section 602 states I have the right to privacy. 15USC1681 Section 604A section 2 It also states a consumer reporting agency can not furnish an account with out my written instructions. Under 15USC1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

These are unauthorized inquiries. It annoys me and gives me a lot of stress whenever I see them on my report. This causes me a lot of stress.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (ME)

I waited to file this complaint. On XX/XX/2022, I was told by the mortgage company, Specialized Loan Servicing, that an escrow refund check had been mailed on XX/XX/XXXX. It is XX/XX/XXXX and I still have not received a check in the mail. Please read on : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I held a mortgage ( # XXXX ) with Specialized Loan Services for a condo ( XXXX XXXX XXXX, XXXX, XXXX ) and sold the condo unit in XX/XX/2022. As seller, I signed on XX/XX/2022 and the loan closed on the XXXX of XXXX when the buyer signed. 

My understanding from speaking to a compliance officer at a local mortgage company is that according to Regulation X, Specialized had 30 days to mail proceeds to me from escrow and any other remaining balances to my favor from the transaction. I followed up XXXX XXXX XXXX XXXX  XXXX on numerous occasions and was told that a refund check had been mailed. 
I never received a check. As I never received a check for the {$1900.00} owed to me, Specialized " supposedly '' stopped payment on the original refund check, stating that they were going to reissue the check. I was told at the end of XXXX that the check had indeed been reissued. It was not. My next all in mid XXXX clarified that I have been given " incorrect information ''. I have been getting the run around from XXXX, having at least 8 phone calls with Specialized, being passed between various offices and representatives, each time being told a different thing. I was requesting a check be reissued immediately and overnighted by way of a method with tracking. The last conversation I had was with a representative on XX/XX/XXXX. In that conversation, I was told that a check had been mailed on XXXX XXXX by way of snail mail. I told Specialized that I did not believe them and that I was filing a complaint with the CFPB because they were far out of compliance with Regulation X which stipulated that they pay me proceeds within 4 weeks of loan closing. I'm asking that this complaint be logged and corrective action taken.
Consumer complaint received 2023-06-28
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent Please delete
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX Card Services Escalation Complaint CARD : XXXX XXXX XXXX XXXX PHONE : XXXX FAX : XXXX I have XXXX XXXX, XXXX XXXX be removed as an Authorized User on on this credit card account for the past 6 billing cycles. Yet for some reason they are failing in several areas on this request. I have spoken to Supervisors on 3 separate occasions regarding this matter yet it continues to go unresolved. My issues are glaring but unresolved and this is causing me a significant amount of stress waiting on this to be fixed.

1. This account is still reporting on his credit report as an Active Authorized User. Although he is not. It should be reporting as TERMINATED $ XXXX BALANCE. 

2. The actual balance is only accurately reflecting on Experian. While XXXX is showing the balance from XXXX XXXX ( {$2700.00} ) .Even this balance is incorrect as you can see from the screenshot that the balance as of $ XX/XX/2022 is only {$240.00}. 

3. Last reported date on XXXX and XXXX is XX/XX/2022. So neither XXXX or XXXX 2022 were updated. 

4. Date last Active again is reporting for XXXX and XXXX as XX/XX/2022.
Consumer complaint received 2023-04-05
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: Experian Information Solutions Inc. (OH)

Inquiries : Dates : 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 I did not authorize these companies to pull my credit report
Consumer complaint received 2023-03-30
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: Experian Information Solutions Inc. (OH)

I have identified information on my reports that are a result of identity theft. These items are not a result of any action by me. I have attached the FTC Identity Theft report.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WY)

I looked at my credit report earlier this year and noticed 7 accounts that are reporting inconsistent information/inaccurate across all 3 credit bureaus XXXX experian XXXXi asked the company 's to investigate, and I keep getting the accounts updated with inaccurate information.they are reporting charge off accounts repeatedly and it is manipulating the statue of limitations.the following accounts are violating my federally protected rights and I'm requesting {$1000.00} per violation I've counted XXXX and violations from all of the inconsistent reporting.please pay me or delete the accounts.ive been battling stage XXXX XXXX since XXXX of XXXXXXXX XXXX XXXX XXXX XXXX repossessed my XXXX with no notice in writing or by phone.while I was in hospice and they left me with no transportation.because of there predatory lending practices I Became homeless and not able to get back and fourth to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or go to the grocery store.please help me protect my consumer rights against the following company's.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 have all inaccurate/incomplete information reporting inconsistent information across all 3 credit reports XXXX experian XXXXplease help me I need to buy a car to get myblife back in order and I'm not able with 2 repossessed cars on my credit report.
Consumer complaint received 2022-11-03
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)

I just recently checked my credit report and found that there is inaccurate accounts being reported that is not mine, I am aware that these credit reporting agencies are not supposed to be reporting inaccurate information.
Consumer complaint received 2022-10-05
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: American Credit Acceptance, LLC (CA)

In accordance with a Fair credit reporting act [ XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 
[ XXXX XXXX XXXXXXXX ACCOUNT # XXXX has violated my rights. 
[ XXXX, XXXX ACCOUNT # XXXX has violated my rights. 

Under 15 USC 1681 section 602 states, I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$6800.00} XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00} XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX {$5400.00}
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXX account XXXX XXXX, XXXX XXXX Bankruptcy Account # XXXX, XXXX Account # XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX Account # XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted a factual dispute, based on information contained in my Transunion and XXXX credit reports. 

The entities are required to conduct independent investigations that would correct, update or delete based on the investigation. I also repeatedly asked XXXX XXXX to remit correct and complete payment history. They have not responded to my request. 

None of these business honored my requests. In fact, my dispute request has been sent back as verified and " updated '' with the same inaccurate missing information. 

The missing payment history has created a situation whereby the account has a complete negative status, therefore significantly reducing my credit score for years. 

I do not understand why the credit bureaus and XXXX believe that, after a consumer lawfully disputes inaccurate information, it is within their right to maintain the inaccuracy noting it as " verified '' and " updated ''.
Consumer complaint received 2022-10-13
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Maximus Federal Services, Inc. (AL)

Dear Department of Education, In accordance with the guidance enacted by the Department of Education XXXX am eligible for {$10000.00} in student loan forgiveness given I currently have a Parent Plus Loan Account Balance of over $ XXXX. 

I hereby request this be reduced by {$10000.00} and that all three credit bureaus be informed that the balance has been adjusted to be {$10000.00} less than it currently is.
Consumer complaint received 2022-11-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

For the past several years, my Social Security monthly benefit payments have been transferred into my checking account at Wells Fargo Bank on the XXXX  Wednesday of each month. This was done per Social Security Policy. As of today, the payment schedule remains their policy with respect to my monthly payments. 
Recently, under a new service called " Early Pay Day '' Wells Fargo notified me, in writing, that my Social Security deposit would be available two days earlier than the usual XXXX Wednesday of the month. 
I have banking and financial analysis experience and am a CPA ( Inactive license ). I am concerned that this " Early Pay Day '' is nothing other than a short term loan from Wells Fargo for which they collect interest. 
Alternately, I am concerned that, for reasons for their own, Wells Fargo is artificially inflating my deposits on had for the sake of their financial statement presentations. With over 85 million customers this could be a huge misleading effort. Based on the news of the past few years, this would not be the first time Wells Fargo has pulled such a stunt. 
If Social Security has not changed their cash availability date, how is Wells Fargo able to make the payment available? As of this morning, my monthly payment shows on my Wells Fargo web site account as " Pending Deposit. '' Yet the Wells Fargo representative I spoke with assured me the cash was available when it appeared yesterday, two days early. 
Based on their past history of fraudulent activity, I am concerned that Wells Fargo may be trying to perpetuate another scam. Please advise.
Consumer complaint received 2022-09-19
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: JPMORGAN CHASE & CO. (TX)

In accordance with the Fair Credit Reporting act JPMCB AUTO Account # XXXX, has violated my rights. 

15 U.S.C 1681 sections 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.