davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts 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 an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

Again, the accounts 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 or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-08-03
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-03
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-03
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and update from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-03
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and update from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-08-03
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and update from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I have a 2011 XXXX XXXX finance by credit acceptance I went to trade this car in for a newer model car but they wouldn't take the car as a trade in I called credit acceptance and ask them could I make a lower payment to keep the car cuz I didn't want a repossession on my credit score so they agreed to let me pay less than the monthly amount due because now I have two car payments but they're not reporting it to the credit department that I'm paying them anything so I look like I'm just in default payment for {$9000.00} when I've been paying on it weekly
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed my the reported information regarding my account multiple times. All Student loans, those in collection and not, were put on a federal administrative forbearance during the covid-19 pandemic of XXXX. This was also extended multiple times. These account was paid off during the time it was in administrative forbearance in XXXX of XXXX. The accounts are still reporting as collections and the reporting agency is reporting my account as a collection as of XX/XX/XXXX when this account was paid off and closed XX/XX/XXXX.
Consumer complaint received 2022-08-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I applied for a refinance of my mortgage and the agent just kept telling the fees were all rolled in and I didn't need to worry about the breakdown. Over and over. Even after I suggested she did have enough information to send a real estimate she declined. 


XXXX XXXX - AmeriSave XXXX XXXX XXXX  ( 24 minutes ago ) to me XXXX XXXX! 

here is what I suggest doing for you! 


30 year fixed : Consolidating your $ XXXX second loan 5.5 % - loan costs : {$8400.00} ( rolled in ) Payment : {$2200.00} ( {$210.00} less than currently paying per month ) XXXX XXXX Loan Originator XXXX ID # XXXX AmeriSave Mortgage Corporation XXXX ID # XXXX XXXX XXXX XXXX, XXXX  XXXX & XXXX XXXX TX XXXX XXXX Desk XXXX Fax XXXX Visit my personalized webpage : https : //homelending.amerisave.comXXXX A referral from a friend, past client, or colleague is the highest compliment I can ever receive.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC (NC)

I have contacted Global Lending Services on multiple occasions regarding inaccurate information reporting on my consumer credit report. The documentation that was provided to me by Global lending Services shows that my contract term was for 72 months, but on my credit report, the contract term is reported as 73, which would make the information reporting inaccurate. I have disputed this information before and the credit reporting agencies stated it was verified as accurate which is not true and they are therefore violating my rights via the credit reporting act.
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and update from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (MI)

Complaint, QWR, DVR and demand for disclosures under TILA against XXXX [ controlled by XXXX XXXX ] and NewRez who owns XXXX XXXX XXXX XXXX XXXX fully owned by XXXX XXXX funds and since XXXX owned by XXXX XXXX XXXX  acting under name of New Residential. On XX/XX/XXXX XXXX Artificial Intelligence [ robots ] generated unsigned " response '' to my disputes where Artificial Intelligence insisted that information on my Credit Report was updated and verified as " accurate '' - which is not true and can not be true. 
First, it is illegal and perhaps criminal for XXXX [ XXXX XXXX ] to use Artificial Intelligence [ robots ] to conduct verification of customers disputes and respond to customers with false information. I demand to provide me the name and contact information for an authorized individual employee of XXXX who can personally verify how exactly XXXX verified information on my credit report and provide me copies of documents based on which this information was verified. 
According to XXXX response regarding my dispute with defunct faux " servicer '' [ not lender ] XXXX XXXX XXXX XXXX XXXX [ fully owned by XXXX XXXX XXXX XXXX ], " the compnay that reported the information has CERTIFIED to XXXX that they information is accurate. XXXX became NewRez in XX/XX/XXXX and obviously can not " verify '' anything to XXXX in XXXX. 
I demand to provide me the name of the Company who provided this Certification to XXXX, the copy of this certification as provided to XXXX, and the name of individual employee of the company who was authorized to provide this certification and has personal knowledge about information furnished to XXXX regarding account XXXX I also demand to provide me a copy of verification for information related to disputed account XXXX and the name and contact information for an individual authorized employee of the company who submitted this verification I demand to immediately remove this derogatory information until XXXX provides me proof of verification from the companies and its individual employees who furnished it.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting this complaint to inform you again that I am a victim of identity theft and I write 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 the alleged identity theft.

These following items listed below are unknown to me. 
XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX Balance {$2700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$760.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance {$360.00} ; XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Balance {$1400.00} ; XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1200.00} ; XXXX XXXX XXXX XXXX  Balance {$630.00} ; XXXX XX/XX/XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (FL)

Applied for a NFL Extra Point XXXX card, got an adverse action letter, called they couldn't help. The letter says they can't give me a card because i have an existing 1, I don't. They refused to help XXXX XXXX, writing an executive complaint, want the world to see this, yall need to investigate their adverse action letter process. They violated this 1009 ( b ) ( 2 ) 1. Number of specific reasons. A creditor must disclose the principal reasons for denying an application or taking other adverse action. The regulation does not mandate that a specific number of reasons be disclosed, but disclosure of more than four reasons is not likely to be helpful to the applicant.

2. Source of specific reasons. The specific reasons disclosed under 1002.9 ( a ) ( 2 ) and ( b ) ( 2 ) must relate to and accurately describe the factors actually considered or scored by a creditor.

And said others were harmed. they need a fix and to be fined.

If you cant see the letter let me know.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im submitting this complaint to inform you again that I am a victim of identity theft and I write 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 the alleged identity theft.

These following items listed below are unknown to me. 
XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX Balance {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$760.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance {$360.00} ; XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Balance {$1400.00} ; XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1200.00} ; XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX XX/XX/XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-08-02
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. (NY)

First and foremost, Experian has been reporting and updating XXXX  which is a closed account on my credit report. I have written and requested several times to investigate and reinvestigate information on how and why this information is accurate. I have requested how they obtain this information, who they have corresponded with and what information was provided that the information listed is indeed correct. 
Secondly, This account has not had a status change or updated since XXXX of 2017. So, where is Experian getting this updated information from?
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collecons : XXXX XXXX XXXX XXXX Experian Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX  Collecon : XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-08-03
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. (AL)

TRANSUNION I have contacted Transuinion multiple times through phone calls and certified letters in order to resolve accounts that have been reporting incorrectly on my credit report. In order to resolve the issue I have asked Transunion for verification and how they verified said accounts. The FCRA states they have 15 days to do this, in which they have also failed. There have also been many discrepancies with the falsely reporting accounts such as balances on closed accounts, accounts that do not show up on other reports, for the accounts that are reflected on other credit bureaus they have discrepancies on the open and close date. There have also been inquiries reporting in which I did not authorize. I have also called and written letters regarding this as well. The said accounts/inquiries are listed below : Accounts : -XXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX I have the same complaints XXXX XXXX, the accounts and inquiries are listed below : Accounts : -XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account XXXX : XXXX INQUIRIES : XXXX XXXX XXXX  request by XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX request by XXXX XXXX XX/XX/2021 XXXX
Consumer complaint received 2022-08-03
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employers : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collecons : XXXX XXXX XXXX  XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX  Collecon : XXXX XXXX XXXX XXXX Equifax XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XXXX XXXX