davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-08
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. (TX)

I filed a complaint with thXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXX XXXX, but after a month, the XXXX  closed the complaint as unanswered due to XXXX  XXXX 's failure to respond or provide validation of the debt. Your agency also failed to validate this account, and by law, an unverified account can not continue to be reported on my credit report. 

XXXX XXXX violated the Uniform Commercial Code ( UCC ) by repossessing my vehicle without proper notice of default, denying me the opportunity to cure the default, and failing to conduct the sale of the vehicle in a commercially reasonable manner as required by XXXX Article XXXX. Additionally, XXXX Ones business registration in Texas is currently inactive, meaning they lack the legal authority to transact business or report debts to credit bureaus. Their actions also violate XXXX XXXX XXXX XXXX ( XXXX ), as they engaged in an unfair practice by repossessing without a present right. 

Due to these violations and the unverified status of this account, I am requesting the immediate deletion of account XXXX from all credit reporting agencies. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-11-08
Product: Credit reporting 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)

I did not consent to authorize nor benefit from any of the reported accounts. Block and remove. Please pay per validation in the amount of {$1000.00} per outstanding item listed on the consumer report, per the Affidavit submitted.
Consumer complaint received 2018-01-30
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. (PA)

I went online at XXXX XXXX to check out some information on a refinance loan. The next day they called me and took some info I asked them not to run a hard credit check. Apparently they did and could not get any of my scores I talked to them for no more then five minutes and received no info on a loan. All that happened was a hard search is now all on three credit agencies I called to have them removed ( I was on hold for a total of 2 1/2 hrs ) between the three and neither would remove this one hard search. Not to mention how rude they were. I just want it removed. I didn't ask for the search and didn't get it even if I did. Nobody should b treated the way these companies treated me. This was on XX/XX/XXXX at XXXX. XXXX XXXX called and I was on the phone asking for it to be removed till XXXX it took 10 min to appear on XXXX XXXX and now it might be there for 2yrs, a five min mistake. please help. P.S. my credit isn't bad I just want to keep it that way.
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

To whom this may concern, I contacted Experian dispute hotline at XXXX to dispute inquiries on My report that I did not authorize. I was told by the customer service agent I spoke with that they are unable to remove unauthorized inquiries without the company consent. I then attempted to contact the companies by using the contact numbers listed on my report and was told I have to contact Experian directly. I proceeded to contact Experian AGAIN at same number listed above and was denied the ability to remove the unauthorized inquiries again. I have run out of available resources to resolve the matter and am highly dissatisfied. Response received from experian states " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The report number is listed on the attachment please see for details. I was never provided a dispute number for inquiries.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NV)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me 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 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 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 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 XXXXXX/XX/year>
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

My wife and I are in the process of buying a home. We do not have access to our credit scores ( yes, our credit reports, but not the scores, which are the only things that matter ). That should not be allowed. The bank shouldn't be able to hold my credit score against me and then nobody in the world can tell me how to increase my score. The American people never gave their consent, nor did the American government ever pass a law that allowed the credit reporting bureaus to have unfettered control over Americans ' financial lives. 

My specific problem is that the free annual credit report online constantly crashes. When this occurs, the taxpayer is no longer allowed to access a free annual credit report because the website shows they've already accessed the report. One then goes to each bureau 's website to specifically dispute incorrect information. 

In my case, two our of three websites did not work. XXXX XXXX website crashed in XXXX XXXX, so I had to go to XXXX and re-submit all the information for about 12 disputed items. When I finally submitted the dispute request, I received a message that I'd disputed an item that was no longer on my credit report. How can that be? I was disputing items that showed from my credit report IN THEIR SYSTEM! 

In the case of equifax, I logged in and confirmed my identity. I then disputed the same 12 or so items that were incorrectly reported on XXXX XXXX report. The Equifax system then crashed when I clicked submit. It has now been down for several hours. 

I have spent 4 hours trying to dispute patently false information on my credit report after working a 14 hour day at a XXXX XXXX during busy season. 

The fact that American citizens are forced to negotiate / navigate the largest personal financial decisions of their lives, whether that be the purchase of a car or a home, without full disclosure of all the information used against them is UNCONSCIONABLE! The CFPB should make credit reporting transparency and the reform of the credit reporting system their number 1 priority! No issue in the modern American landscape of personal finance has a bigger impact on the average American, and there is no other factor relative to people 's financial lives over which they have LESS understanding or control. In summary, CFPB should PROTECT AMERICANS as they approach the largest and most important financial transactions of their lives.
Consumer complaint received 2018-01-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (OH)

I have an unverified account from Caine & Weiner. I had previously disputed this account. I have never done business with Caine & Weiner. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Caine & Weiner Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Caine & Weiner Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NJ)

I contacted the Navient onXX/XX/XXXX and on the XXXX or the XXXX of XXXX to dispute incorrect information on my account. I received a letter from them that was dated on the XX/XX/XXXX after an agent said he would look into the issue. The letter stated that the information that they reported to my credit report was correct although none of my loans were 60 days late. I then contacted Navient twice after, and to no avail. I was making payments every week, so the loan never had to time to be 60 days delinquent as it was paid before the next month. Might I add, you can see a copy of my payment information on the Navient website. 
Also, this was never reported on my credit during the months in question, nor was this information reported in the months immediately following XX/XX/XXXX. I received information in the month of XX/XX/XXXX, that this was and had been reported to the credit bureaus that month. Also, a letter will be sent on XX/XX/XXXX that contains this information.
Consumer complaint received 2024-11-08
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. (PA)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Credit Reporting and Unverified Information To Whom It May Concern : I am writing to file a formal complaint regarding the unresolved inaccuracies and unverified information on my credit report, which is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Despite my initial dispute with the credit reporting agency ( TransUnion ) dated XX/XX/XXXX, the disputed items have not been corrected or removed. 

Details of Disputed Accounts : Account XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Revolving - Credit Card Date Opened : XXXX Balance : {$0.00} Credit Limit : {$300.00} High Credit : {$430.00} Payment Status : As Agreed Late Payment Status : Was 30 Days Late 2 Times Comments : Current Account/Was 30 Days Past Due Date Two Times, Account Information Disputed By Consumer Discrepancies : Reported with both XXXX and XXXX as Date Last Active. 

Account 2 : XXXX XXXX XXXX Account Number : XXXX Account Type : Installment/Open - Factoring Company Account Date Opened : XXXX Balance : {$2600.00} High Credit : {$2600.00} Payment Status : Collection or Charge Off Late Payment Status : Was 90 Days Late 18 Times Comments : Account Seriously Past Due Date/Account Assigned To Attorney, Collection Agency, Or Credit Grantor 's Internal Collection Department , Account Information Disputed By Consumer Discrepancies : Reported with conflicting statuses ( Closed and Open ) and impossible dates ( XXXX and XXXX ) as Date Last Active. 

Disputed Items and Grounds for Complaint : Despite my request for verification under FCRA 609 ( a ) ( 1 ) ( A ), the credit reporting agency failed to provide the necessary documentation or correct the inaccuracies.

Inaccurate Reporting and Impossible Dates : Account 1 : The Date Last Active has been updated with an impossible future date ( XXXX ), indicating erroneous reporting. 

Account 2 : The account can not be simultaneously reported as both " Closed '' and " Open, '' and it contains impossible dates ( XXXX and XXXX ). 

Erroneous Late Payment Claims : Account 2 : It is reported that I was 90 days late 18 times, which is mathematically impossible given the account 's opening date of XX/XX/XXXX, and the current date. 

These inaccuracies suggest a failure to maintain reasonable procedures to assure maximum possible accuracy of the information reported, as required by FCRA 623 ( a ) ( 1 ) ( A ). I have requested that the credit reporting agency delete the unverifiable and inaccurate information as required under FCRA 611 ( a ) ( 5 ) ( A ).
Consumer complaint received 2016-10-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (FL)

I fell behind on my mortgage when the XXXX went through an economic collapse. I have tried to work things out with my servicer but got no cooperation. I was forced into bankruptcy because the current servicer ShellPoint refused to offer assistant for me to keep my home. I submitted all paperwork for a loan modification to ShellPoint Mortgage earlier this year. I qualified for the program. During that time, ShellPoint pretended not to get the paperwork. After stalling for months, ShellPoint approved some type of trial plan that has mystery terms that they do not disclose. I have been forced to make payments on a trial plan and this servicer has not disclosed the new principal balance and interest rate. I was hoping for a reduced principal balance but I believe that this servicer is discriminating against me because of my XXXX background. To this date, ShellPoint has not given me a chance to save my home.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MO)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2016-04-06
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (SC)

Dear Board : In XXXX a series of emails ( XXXX ) went between my email and XXXX XXXX, an investment company in XXXX, requesting a distribution of {$35000.00} from my retirement account. I never initiated these emails nor were they visible in my email program. XXXX distributed the money by wire to a fraudulent account in a XXXX Wells Fargo account. This account was set up with my information but another name on the account, unrelated to me. I was made aware of this when I received a letter from XXXX acknowledging the distribution. I emailed, then called immediately denying that I had requested this payout. XXXX was made aware of the error/theft and I immediately went to our local Wells Fargo bank with the police. A search warrant was issued and the money/wire transfer was traced. 
XXXX, Wells Fargo, and XXXX have fraud teams working on this and to date I have all but {$4000.00} back in my account. However, several regulations were broken. XXXX is obligated to confirm by phone that I had requested this. They did not. The hacking of the email appears to be from their end, not mine, per the forensic IT department that I hired. Wells Fargo did not do their due diligence in setting up the fraudulent account. How can an account be set up with my credentials in XXXX in XXXX? Then they accepted a wire transfer with my name on it into an account with someone else 's name on it. Our local police say it is out of their jurisdiction now since it crossed state lines. So who is tracking the criminal? 
No one has assured me that I will recover all my money. No one is taking responsibility at being at fault. But both companies did not follow regulations and rules. They need to be held accountable.
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (DC)

Contact the credit agency to dispute inquiries that were made with my knowledge, after there investigation they conclude the information was correct. I contact the individual companies I never heard back from them regarding the matter. I have attached a pdf of the document the was sent to XXXX XX/XX/2015.
Consumer complaint received 2024-09-13
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. (FL)

I have made multiple attempts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have severely affected my life, causing considerable distress. It's important to emphasize that I never authorized or agreed to have this information linked to my identity, as I have been a victim of identity theft.
Consumer complaint received 2017-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

I had a contract with XXXX XXXX XXXX in 2013 for myself and my daughter. My contract was up with XXXX XXXX XXXX and I told them to cancel this specific line. This was an extra phone line that I had for my daughter that she rarely used at the time. I finished out my contract and told them to cancel. They never cancelled. now this debt is with a debt collector. This debt is not mine, and should not be on my credit report. I gave them sufficient notice of cancellation, and followed the procedure they requested of me. this money is not owed, and should not be with a collection company.
Consumer complaint received 2017-06-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams & Fudge, Inc (VA)

On XX/XX/XXXX, I signed registered with the University XXXX XXXX for an XXXX class ( XXXX XXXX ). The very next day I got an email stating the class is not excepting enrollments from the University XXXX XXXX and thus I did not take the class. In XX/XX/XXXX, I get a letter from Williams & Fudge , Inc stating I owe {$1500.00}, about a quarter of it is late fees. I ca n't understand why they want me to pay for a class I could not attend per the University XXXX XXXX.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.