davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION (NJ)

This company popped up on my XXXX XXXX saying that I had high chances of getting approved from a loan up to {$1500.00} with them. So I did the pre-approved application with them on XX/XX/2020. I submitted all of my documentation on the site and they allow me to link my bank accounts in which they did not accept but when I called them they refused to remove my XXXX  and XXXX  they said that they were prepaid accounts and that I can not use that for deposit. So I had to call XXXX  to get into my XXXX  account that I hadnt used in a while. I finally was able to access it after a week, throughout XX/XX/XXXX to XX/XX/XXXX this bank has called me continuously saying that I was pre-approved and that I had to send in the rest of my documents. On Sunday XX/XX/XXXX, I uploaded the first page of my statement ( as requested ) and was told I would get an answer back if approved or denied in 15-30 minutes. That time went by I called they told me the same thing, the time went by again, I called again they told me sorry for the miscommunication 30 minutes to 24 hours that I will received a TEXT MESSAGE or EMAIL stating if I was approved or denied. Monday came and left was calling and they would say the same thing 30minutes to 24 hours, Tuesday came they said the same thing, Wednesday through Sunday no communication from either one of us. Monday XX/XX/XXXX I call and spoke with someone they said my application was denied and that I will received a response by mail, then they told me my application was canceled. All communication was by phone, text, and email when they kept contacting me to send in documentation. Now? They refuse to give me an answer as to why I was denied, my credit is in good standing and all I needed to do was submit my banking information they ran my credit I received the inquiry but promised me a response with a certain time frame and didnt get back to me now are saying I have to reapply. I do not want my information in their system anymore they refuse to take it out of their system as soon as I sign in my name and personal information comes up telling me to reapply I do not want to reply I do not feel comfortable them having my information.
Consumer complaint received 2020-12-28
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 account was closed on XX/XX/XXXX XXXX XXXX  - XXXX XXXX  XXXX Last reported XX/XX/XXXX {$4900.00} Reported balance Credit limit {$4500.00} You're using 111 % of your account 's limit OVERVIEW Credit limit {$4500.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yrs, 4 mos ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$4900.00} Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Individual Remarks Charged off as bad debt Dispute resolved ; reported by grantor Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX CONTACT INFO XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, PA XXXX USA ( XXXX ) XXXX
Consumer complaint received 2022-09-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have sent several disputes regarding this loan for {$12000.00}. They havent taken any action deleting this account when it doesnt exist with the other 2 bureaus. It is harming me for obtaining credit, I have never lived in XXXX so where is the information coming from? Who was on this joint account? This information is violating the fcra. They sent me a letter stating they are not going to reinvestigate this account. they have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 
If they had investigated properly, rather than use the e-Oscar system, they would have known, that not only I have never been late on this account, but that I am not sure that the account is even mine though their company claims to have verified this.
Consumer complaint received 2020-12-28
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. (IL)

This account was closed on XX/XX/XXXX XXXX XXXX - XXXX XXXX  XXXX Last reported XX/XX/XXXX {$4900.00} Reported balance Credit limit {$4500.00} You're using 111 % of your account 's limit OVERVIEW Credit limit {$4500.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yrs, 4 mos ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$4900.00} Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Individual Remarks Charged off as bad debt Dispute resolved ; reported by grantor Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX CONTACT INFO XXXX XXXX  - XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-02-14
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. (NY)

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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
Consumer complaint received 2023-02-14
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. (GA)

After reviewing my credit file with all 3 bureaus, I noticed the public record is still reporting with Transunion. The public record was not verified with XXXX and XXXX and was deleted. 

I received a notice XX/XX/2023, with dispute results staying that the XXXX XXXX XXXX GEORGIA verified the public record on my credit file. Which is not accurate and does not satisfy the reinvestigation results. The XXXX XXXX XXXX Georgia court sent me a letter stating that they do not verify public records. What is the name of the person with the XXXX XXXX XXXX XXXX Georgia that verified this information and phone number? 

15 USC 1681i ( 5 ) ( A ) ( i ) Prohibits the Customer reporting agency to delete unverified information on the consumers credit file.

It is against the law to provide false information and not follow the procedure in case of disputed accuracy. How are you able to verify this record with the federal government that informed me that they do not verify with consumer reporting agency and XXXX and XXXX was unable to verify as well. 

You have a duty to provide the maximum source of accuracy and you failed to do, how were you able to validate information that your counterparts were unable to use the same source. 


Attached : -letter I received from Transunion that the public record was validated with the XXXX XXXX XXXX GEORGIA XXXX Letter from courthouse that they do not validate public records - Letter from XXXX that the public is not reporting in their file - Copy of public being unverified from XXXX and XXXX XXXX
Consumer complaint received 2020-12-28
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. (NJ)

I have mailed in letters several times to XXXX, Experian and XXXX  in regards to my account with XXXX Account # XXXX. Starting in XX/XX/2020 up until XX/XX/2020. I have gotten some responses which I will attach. Yet inconsistencies remain on my report for XXXX. For your convenience I am attaching the latest response from each bureau. I will also list the issues I see. 

1. Date of first delinquency is missing 2. Purge date is not listed 3. Full payment history is not listed, specifically scheduled and actual payment amount.

4. Closed date is not listed on Equifax or Experian According to your own industry standard which is the Metro2 the above information must be reported.

I do not see an actual proper re-investigation completed after addressing the issues set forth.
Consumer complaint received 2023-02-14
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. (SC)

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 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 2024-09-14
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: 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.

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 XXXX 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.
Consumer complaint received 2020-12-27
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-12-28
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. (TX)

Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove wrong employers Also known as - Generational identifier - Year of birth XX/XX/XXXXAddresses XXXX XXXX, TXXXXX XXXX XXXX XXXX XXXX, TXXXXX wrong address
Consumer complaint received 2023-12-07
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: Experian Information Solutions Inc. (GA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
US DEPT ED XXXX {$3400.00} ; US DEPT ED XXXX {$2500.00} ; US DEPT ED XXXX {$4100.00} ; US DEPT ED XXXX {$1600.00} ; US DEPT ED XXXX {$3300.00} ; US DEPT ED XXXX {$7600.00} ; US DEPT ED XXXX {$5400.00} ; US DEPT ED XXXX {$4100.00} ; US DEPT ED XXXX {$1400.00} ; XXXX XXXX XXXX Balance : {$22000.00}.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 2023-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2024-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Army and Air Force Exchange Service (CA)

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter and as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Consumer complaint received 2023-02-11
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. (GA)

TransUnion has yet to respond. 

I do not have a debt or a contract with XXXX XXXX XXXX, and they are reporting inaccurate information on my credit report on TRANSUNION. 
It has been over 30 days without a response. 
This company has been in consistent violation of 15 USC 1692e.

I dont give them permission to report this information and ask for an immediate removal. They have yet to substantiate a proof of method of verification. I spoke with the original creditor in question and they said I don't have a debt with them. 
XXXX XXXX is NOT XXXX XXXX XXXX. 

XXXX XXXX XXXX is not licensed to practice debt collection in the state of Georgia. 
NMLS ID # : XXXX They showed a contract that is not between me and XXXX XXXX XXXX but an entirely different company. 
15 USC 44 I have voice recording from said company that I do not have a debt obligation from an employee named XXXX. 

This is fraudulent and frivolous and should be addressed immediately. 
This company is in violation of 15 U.S. Code 6802 and 6803. I do not give them permission to furnish my personal information or status to non-affiliated entities. I was never given proper notice and have not given written consent to this company. Their mishandling of my information is causing damage and distress to me and my family. 
This account is involved in litigation.
Consumer complaint received 2021-09-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: GreenSky, LLC (AL)

On XX/XX/XXXX we signed a contract with XXXX  XXXX  's ( aka Great Day Improvements LLC ) salesperson XXXX XXXX to manufacture and install a screened in patio with " work to start approximately XXXX weeks from the date of the contract ''. XXXX  XXXX  finances their work through Greensky, so we took out a loan with Greensky on XX/XX/XXXX with the salesperson directing our application. We are now 21 weeks out from the contract date and no work has been started. We can not even get a firm start date of when to expect work to commence. So far the dates we have been provided are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/XXXX. We have been charged {$4100.00} as a down payment that we are currently paying on. Whenever we call XXXX  XXXX  to get a status update, the only information we are provided is that the material is not in and they don't know when they will receive it. When we ask for call backs with further information, we never receive responses and have to follow up ourselves. Noone can provide a definite date when we can expect work to commence or even if/when they will get in our material. Meantime, it is obvious from online reviews that customers who put in their orders months after us have already had their patios installed. We had to get an approval from our HOA to get this patio installed and that approval expires XX/XX/XXXX. Last week I reached out to Greensky to either get the work complete by XX/XX/XXXX or cancel my loan and get a full refund since the company has not kept up their end of the contract. Greensky says they can cancel later installments, but can not guarantee a full refund of the deposit amount unless the vendor agrees. I'm not sure why a vendor gets to keep half of the total amount of the work when they have done nothing and are now over a month out from what the original contract said would be the completion date. Greensky should be protecting the consumer here when the vendor is not doing what they agreed to do.
Consumer complaint received 2022-11-29
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-12-28
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION (SC)

On XX/XX/2020 I went to the BB & T Branch located at XXXX XXXX XXXX, XXXX XXXX, SC XXXX. I was instructed by the coordinator at XXXX XXXX to make a deposit payment in the amount of {$4200.00} for an upcoming XXXX on XX/XX/2020. While trying to make the deposit into the account number that was given at the time, I was told by the teller that that particular account could not take deposits at the time. I had a personal check for part of the payment and then a cash, I was then told that because I didn't have an account there I was not able to make a cash deposit. So for the remainder I had to go to my bank which was XXXX XXXX and get a cashiers check in the amount of {$2800.00}. I still had problems when I got back so the branch manager XXXX XXXX called the owner of the account and told her that I was trying to commit fraud on her account so she then instructed her to close out that account ( which this was after I had already made the deposit into her account ) and get a new one, I had Seduction on the phone with me while I was there. so once payment was made the company kept saying I sent it to the wrong account which I sent it where they told me to. so not hearing back I called my bank to stop payment on the checks and was told I could only stop payment on the personal check and not the cashiers check. Now XXXX XXXX has my {$2800.00} and keeps saying that she never received it, which the branch manager said that she received the money into her account. Had it not been for XXXX XXXX being prejudice and pre judging the transaction, none of this would have happened. XXXX XXXX XXXX made her think I was a fraudster and I'm the one now without XXXX and money back. I feel that BB & T branch manager XXXX XXXX should talk to her so that she can return my money because she knows it was put into her account.