davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NJ)

I have been sending the same paperwork to underwriting on more than two occasions. The loan advisor is always busy and gave me the impression that all my documents were in order and misled me in thinking that I was getting approved. He mentioned that the underwriter wanted a document from the VA about a disability annuity that I was receiving. I told them that I was receiving an annuity from XXXX from my Postal retirement. I last spoke to my loan advisor on the XXXX of XXXX and I specifically asked him about my DTI. He stated that it was fine. 
This is the reason Im filing the complaint. 
XXXX XXXX XXXX.
Consumer complaint received 2022-08-04
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. (MD)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2100.00} - Collection XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-01-23
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. (NV)

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-04
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. (MD)

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XXXX  XXXX Balance : {$6900.00} ; XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX  XXXX Balance : {$36.00} ; XXXX XXXX XXXX XXXX XXXX {$8600.00} ; XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX
Consumer complaint received 2022-08-04
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. (NJ)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30  days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}
Consumer complaint received 2022-08-04
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you XXXX more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Late Dates Late Dates XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-04
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. (PA)

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX : {$150.00}
Consumer complaint received 2022-08-04
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. (CA)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/2020
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XX/XX/XXXX
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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It has been found out that you are not REMOVING items 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 legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-04
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. (MO)

I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Here are the accounts that I wanted to fix. 
XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXX XXXXXXXX Balance : {$440.00}
Consumer complaint received 2022-08-04
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. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-04
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. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (FL)

Discover bank account charge Account : XXXX credit card date opened : XX/XX/2019 balanced own : {$830.00} credit limit : XXXX I do not know about these XXXX account somebody use my information to do all of these! 
i call all the credit burreaus to explain to them the same thing they make me lock my credit file and everything cause i had nerver realy pay attention to my credit untill now i will highly appreciate you resolved these issues for me please cause i dont know these account petal credit card status : charge off Date was opened : XX/XX/2019 credit limit : {$1000.00} balanced own : {$1100.00} Account : XXXX
Consumer complaint received 2022-08-04
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: AMERICAN EXPRESS COMPANY (CA)

I received your response, that you close my complaint that I sent, to Investigate the Erroneous Accounts : XXXX - XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX : {$0.00}, that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I am submitting this complaint again, myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent a letter on XX/XX/XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$58.00} ; XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXXXXXX Date of inquiry XX/XX/XXXX
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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

When I investigated my credit report, I realized that some of the information was unknown to me. I send a complaint to inform that I am a victim of identity theft and I sent letter to Credit Bureaus on XX/XX/XXXX to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items are mystery to me.According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please Remove the following items listed : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$140.00} ; XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX XXXX : {$740.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/ReportedXXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/ReportedXXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ;
Consumer complaint received 2022-08-04
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. (CA)

I receive d a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec. 168i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct, So, would you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to compete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

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 2022-08-04
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 (CA)

I received your response, that you close my complaint that I sent, to Investigate the Erroneous Account : CAPITAL ONE XXXX Balance : {$85.00}, that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I am submitting this complaint again, myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these accounts which were opened without my knowledge, consent or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX Balance {$7200.00} XXXX XXXXXXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2022-08-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I keep getting calls from Fifth Third Bank trying to collect a debt from someone named XXXX XXXX. At least 30 times in the last month alone. They have the wrong number, I do not know who that is, and I do not have any accounts with Fifth Third.