davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-31
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)

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.

I told the Experian again on XX/XX/2023 to reinvestigate the XXXX ACCOUNTS However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 
Even after requesting on XX/XX/2023 the investigation methods they used by phone twice, they denied me the information per 15 usc 1682 I ( b ) 5 they were supposed to supply the information within 15 days and was due XX/XX/2023 however was denied the information XX/XX/2023 via secure chat by experian
Consumer complaint received 2023-05-31
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. (IL)

I told Transunion to investigate these accounts & to delete XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. They even stated they UPDATED the accounts According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. They supposed to report at 100 % accuracy, updating my credit reports shows they havent. They also was supposed to respond in 30 days & it was longer. I have evidence to prove my case
Consumer complaint received 2023-05-31
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$520.00}
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

I bought a car from these people last year. It was a piece of junk and did not work. I did a voluntary repo. In the repo it was supposed to be listed as a XXXX balance voluntary repo. Still shows I owe {$17000.00} with the credit bureaus. I have disputed it with the credit bureaus multiple times. Won't come off. I called today and lady told me the car had to be sold before it was taken off. I called again and spoke to a manager and she said she doesn't know why I was advised that. She said it can take quote " Several months '' when it has been six months, and wants to charge me {$15.00} to get a copy of the agreement they mailed out 6 months ago stating it was a {$0.00} balance voluntary repo. I have been denied credit because of the credit bureaus reporting that I owe them money I do not. This is a scam and I shouldn't have to pay money to get a copy of an agreement stating I don't owe them money!!!!! I demand they get this off of my credit report now!!!! I'm attaching a picture of the contract showing it was a supposed to be on my credit report as a voluntary repo.
Consumer complaint received 2016-11-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I applied to refinance my mortgage at CapitalOne ( the " Bank '' ). I submitted an application ( joint with my wife ) and the Bank made an offer on XXXX XXXX, 2016 7/1 ARM for XXXXXXXX2.875 % plus .875 % origination charge ). Bank 's appraiser ( XXXX XXXX valued the collateral at {$470000.00} ( appraiser failed to count proper number of bathrooms ). Upon receiving the incorrect appraisal I immediately notified the Bank and the Appraiser of the mistake on XXXX XXXX, 2016. Based on the incorrect appraisal the Bank informed me on XXXX XXXX, 2016 that the terms of my credit had changed. Based on the incorrect appraisal the Bank added one-half percent additional origination charge because the loan to value ( LTV ) exceeded 60 %. The additional origination charge added {$1500.00} to the cost of the loan. Despite being notified on XXXX XXXX, 2016 that the appraisal was incorrect, neither the Bank nor the Bank 's appraiser has corrected the appraisal. In an effort to expedite the loan closing I have offered to reduce the amount of the loan so the LTV will be less than 60 %. I am prepared to close the loan immediately on the terms offered by the Bank on XXXX XXXX, 2016. The Bank has asked me to accept the new loan terms ( with the additional .50 % origination charge ) by XXXX XXXX, 2016. I am unwilling to pay the additional charges because they are the result of an incorrect appraisal. I have notified the Bank on several occasions that I am willing to close the loan immediately on the credit terms originally offered. I have also notified the Bank that as a compromise I am willing to reduce the loan amount to below the 60 % LTV ratio. 
I do not feel that I should have to pay an additional charge for a mistake that was made by the Bank 's appraiser. 
The Bank should honor the credit terms that it originally offered. 
It should be noted that mortgage loan rates have increased since I accepted the Bank 's original terms so that shopping for a new loan from a different lender is not an option. 
Thank you for your assistance on the matter. 


Here are contact numbers for the people I have spoken to : XXXX XXXX, Loan Officer XXXX NMLS # XXXX XXXX XXXX, Mortgage Loan Specialist, XXXX ext. XXXX XXXX XXXX, Manager, XXXX XXXX XXXX XXXX, Appraiser, XXXX, Commonwealth of Massachusetts Division of Professional Licensure # XXXX.
Consumer complaint received 2023-05-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-31
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. (NC)

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, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$420.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
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. (OH)

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-31
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. (MN)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX.
Consumer complaint received 2023-05-30
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. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-05-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-11-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Go Capital Holdings, LLC (FL)

The issue is that my SUV ( XXXX XXXX XX/XX/XXXX, XXXX XXXX with XXXX # XXXX ), was wrecked on XX/XX/2016 and was declared a total loss. This was paid, mostly by the insurance company of the person that crashed into me. {$11000.00} was paid on XX/XX/2016 by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the other part was paid by my GAP insurance. They made a payment of {$950.00} on XX/XX/2016, of which {$460.00} was for the cancelation of the warranty and {$480.00} was for the cancelation of the repairs. The grand total was {$12000.00}, which they received ; however, to this day the account [ is still open ] and they continue to charge interest as well as other fees without any reason at all. They have yet to apply the credit to pay it off and send us the surplus, which is {$780.00}. My wife and I have contacted the finance [ department ] [ unintelligible ] on countless occasions with no success since the people that assist us indicate that they can only provide the information that is in the system, namely, that the account is delinquent 65 days and that it is affecting my credit. They also indicated that they had XXXX unintelligible spelling, perhaps declined XXXX the payment. I dont understand why, since I contacted XXXX and they advised me that the check had been cashed by GO Financial. They have received the money but even so they keep raising the amount and will not apply the awarded amount to the balance of the account, which is affecting my credit. The balance on the XXXX was {$11000.00}, and they were paid {$12000.00}, which means there was an excess payment of {$780.00} that belongs to me, but I have not received it since they have not handled the account in a legal way. To date they have raised the amount of my account to {$11000.00} without any reason, because they have the money and are affecting my credit, just so they can keep all the money. 

The situation is extremely important and worrisome, since they are affecting my credit and I need a vehicle. I cant purchase another XXXX till they pay off the account, send me my excess payment of {$780.00} and clear my credit. Now this situation is affecting me emotionally.
Consumer complaint received 2023-05-31
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. (SC)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX, XXXX XXXX ( Original Creditor : XXXX CXXXX XXXX ) XXXX Balance : {$1200.00}, XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$950.00}
Consumer complaint received 2023-05-31
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)

I sent my letter off in XXXX XXXX XXXX I told the credit Bureau to investigate every piece of information on my accounts listed below. According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character general reputation personal characteristics or mode of living is obtained with personal interviews with neighbors friends or associates of the consumer. Reported on or with others with whom he has acquainted or who may have knowledge concerning any such items of information. They stated my account was verified. But how is that possible from a proper investigation records. Every piece of information on these accounts is still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. 
Inaccuracies and unverified accounts are highlighted
Consumer complaint received 2016-11-30
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (NJ)

On XXXX XXXX I received a notification from XXXX XXXX that there was a change to my credit report. Upon checking my report I noticed an account sent to collections by Midwest Recovery Systems for a payday loan from XXXX XXXX XXXX that I did not take out. I received no notifications from either XXXX XXXX XXXX or Midwest Recovery Systems informing me of the debt nor were there any attempts to collect. My first time hearing of this account was when I received the notification from XXXX XXXX and signed in to check my reports. Furthermore, a XXXX search for XXXX XXXX XXXX turned up no results leading me to wonder if such a company even exists. I did not contact Midwest Recovery Systems as I fear this is a scam. Instead I disputed the items with XXXX and XXXX and filed complaints with the XXXX, the Missouri Attorney General 's Office ( Midwest Recovery Systems allegedly is located in Missouri ), and the Federal Trade Commission.
Consumer complaint received 2016-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (MI)

After contacting Nelnet student loan servicer multiple times they are continuing to report XXXX student loans as 120+ days past due after a credit repair agency requested the loans that were once XXXX XXXX loans be removed because this company no longer exist. Also a loan consolidation was done for these loans and they were reporting as paid until the removal request and now all of them have a current status as 120+ days late with derogatory comments. Lastly there are about XXXX student loan accounts that are on my credit report and more than half of them have no reporting status just occupying space on my credit report as collection accounts. I have called Nelnet several time for them to tell me they have no idea what I 'm speaking of, until finally a representative stated there is a credit reporting department that does not accept phone calls and I just have to wait until someone gets back to me. After I replied how can they fix a problem they keep denying is there but are clearly reporting to the credit agencies. I have called XXXX and can never get a live person and for the past few days there on line dispute center is a technical problem and XXXX claims states I ca n't print a report until my dispute process for a prior issue is resolved. I do n't where to begin to try to fix this issue. I keep getting the run around from Nelnet and waiting as everyday my credit is taking a huge hit from the multiple student loans that are reporting 120+ days late. I have already been denied for an Fha loan.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TIDEWATER FINANCE COMPANY, INC. (AZ)

These companies are not tied to any of my accounts and was not authorized by me. Several hard inquiry pulls from the same company 5 days apart. XXXX XXXX XXXX XXXX/XXXX/2021, XX/XX/2021, XXXX XXXX XXXX XXXX/XXXX/2021, XXXX XXXX XXXX/XXXX/2021
Consumer complaint received 2023-05-31
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2400.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2023-05-31
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.