davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PR)

Since XX/XX/XXXX I have asked XXXX Credit to present evidence such as a contract signed by me on an account that appears in my credit report and to date they have ignored my request to dispute the account in multiple disputes. violated the law by acting incorrectly and ignoring my complaints. To this day they do not receive my disputes nor do they answer them. 

My claims or disputes to XXXX credit report are as follows : You are reporting incomplete and incorrect information. I am shocked and outraged that you have failed to maintain reasonable prosecutions in your trades and have published information in my completely incorrect report. The federal fair credit law requires credit bureaus to report only 100 % accurate information on credit reports. They must take the necessary steps to ensure that the information reported is completely correct and accurate. The following information should be reinvestigated. I respectfully request that you provide me with proof that this account belongs to me, specifically, a copy of the contract, or any other instrument that contains my signature. If you don't comply, I would like to remove this account from my credit report as soon as possible. ACCOUNT : XXXX XXXX XXXX XXXXXXXX Since XX/XX/XXXX, I have requested several disputes regarding this account and to date, they have been violating my rights, they do not respond to my conflicts, they do not present evidence of their validity and they continue to report information from accounts that do not belong to me. 

Company responded Status The company responded on XX/XX/XXXX Response Type Closed with non-monetary relief The actions of XXXX XXXX reports are as follows : Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. XXXX has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. In response to your request to block fraudulent information appearing on your credit report, we sent you a letter to inform you we were unable to block the information for the reason described in the letter and we investigated the information by contacting the creditors to verify the accuracy of the information. 
DESCRIPTION OF NON-MONETARY RELIEF The actions of XXXX credit reports are as follows : In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below are the results of that investigation. XXXX XXXXVERIFIED AS REPORTED Maintenance was performed on the following accounts and/or public records.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I don't understand how the Bureaus can all have different information, its so frustrating-they should all report the same information-one dispute for all.I am hoping to buy a home and this is hindering it for me and my family. These companies don't listen to the consumer and have way to much power over a persons life. XXXX   shows that I have a balance on my XXXX XXXX for {$7200.00}. This car was paid in full by the insurance and I have a XXXX balance- account closed, I have notified them twice and they continue to report as accurate of {$7200.00} which is incorrect-this account needs to show as closed. The account for the XXXX does show closed and XXXX balance on my Equifax report. These should match. 
Now, Equifax has 4 collections showing open accurate from XXXX XXXX   for me in the amounts of {$120.00}, {$120.00}, {$110.00} and {$120.00}. I have disputed these twice. XXXX  has these same 4 accounts as closed. I think these should also be closed on my Equifax report.
Consumer complaint received 2019-11-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

XX/XX/XXXX, Hello, In furtherance to my conversations with your representatives as to why I think it is imperative that Amerisave Mortgage be held accountable for misleading prospective customers, I am hereby explaining my rationale. 
Having been previously advised by XXXX XXXX XX/XX/XXXX that I can not qualify for their lower interest rates that are currently being offered because my Debt to Income ratio lends me ineligible to qualify. Therefore, on XX/XX/XXXX when I first received the unsolicited phone call from Amerisave Mortgage 's representative by the name of XXXX XXXX, I was quick to explain to him that although I had previously investigated refinancing my mortgage loan, it was already determined that I was ineligible. 
Undeterred, he immediately proceeded to explain that unlike traditional lenders, Amerisave is not hampered by regular bank lending restrictions ; that their company is made up of a conglomerate of investors that simply try to achieve higher yields on their monies. Furthermore, given my extraordinarily high credit score cements my approval with them. This really made sense to me since I am managing monthly to get by, although marginally and how much easier it would be saving {$600.00} {$700.00}. Thus he totally had my interest. Their one conditional caveat was their non-refundable application fee of {$500.00} which of course would be credited towards the balance of my closing costs once my loan most assuredly would be funded, after all they had already given me a loan number. Excitedly I proceeded with filling out the application and agreeing to pay the {$500.00} application fee ( given that they are unconventional lenders and relying too on the confidence of 'What 's in my wallet ', my XXXX XXXX Credit Card ). Within an hour I received the answer to my application with XXXX telling me sadly that 'yes indeed my debt/income ratio was too great '. I then immediately contacted XXXX XXXX to contest the {$500.00} charge who consequently reversed the charge and credited my card XX/XX/XXXX. Figuring the case closed, I resolved to not be similarly taken again. 
Bingo, XX/XX/XXXX Amerisave Mortgage recharged my card providing to XXXX XXXX a printed out copy of the signed application I had executed on the computer screen. What is so upsetting and 'sticks in my craw ' is that I had forewarned the salesman of my ineligibility immediately. Consequently, I've investigated the reviews on the internet regarding Amerisave Mortgage and it's fraught with negative comments expressly the same as mine. Amerisave Mortgage is a prime example of a firm that takes advantage of and preys on individuals most vulnerable of which are the retired with fixed income. 
Thanks, XXXX XXXX XXXX
Consumer complaint received 2024-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently checking my credit report, I noticed that I've been a victim of identity theft and found sone credit inquiries I have no knowledge of. Here are the inquiries that I've found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I did an investigation on my credit report and found several items there to be inaccurate.

Under the 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This complaint is my own, regarding late payments on my credit record. I've found these late payments after checking my records. I sent letters about this over 30 days ago, but got no response or proper validation. I need your help to solve this quickly and effectively.
Consumer complaint received 2023-04-18
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. (NJ)

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 these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021, XXXXXXXX XXXX XXXXXXXX. Date of inquiry : XX/XX/2021, XXXX XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

My payment is always XXXX dollars a month. I had fraud on it for over XXXX dollars last month to some online gaming. They raised my interest rate and added fees. I told them I was locked put of my account and I was having XXXX on XX/XX/XXXX. They sent a new card. I got and email stating my card was declined and it gives the last 4 digits of the new card. Declined at XXXX. I never activated it and never attempted to use it. Again I called and told them the fraud was coming from inside being the perps mew the 4 digits. I still could not access my account. I just got home from XXXX  XXXX and called them again to unlock my account They put me through sending them my dl picture and harrassed me like I was the criminal. I was told I had to pay XXXX dollars to get my account current! They raised my interest rate due go the fraud and added on on feed. All I wanted to do was pay my XXXX dollars and never use thier card again. Please help me. They would not unlock my account until now but, charged me fees that were unfair.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2024-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion LLC, Legal Department XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attention : Office of General Counsel Pursuant to the Fair Credit Reporting Act ( FCRA ), I am entitled to privacy as a federally protected consumer. This entitlement is reinforced by the Privacy Act of 1974, specifically articulated in 5 U.S.

Code 552, which governs the disclosure of public information and the regulations pertaining to agency rules, opinions, orders, records, and proceedings. I am instructing your Financial Institution to DELETE UNVERIFIED INQUIRIES LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is effective immediately and indefinitely. 

TITLE VICONSUMER CREDIT REPORTING Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), ( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. * * * * * * * COMPULSORY USE OF ELECTRONIC FUND TRANSFERS Sec. 913. [ 15 U.S.C. 1693k ] No person may * * * * * * * ( 2 ) require a consumer to establish an account for receipt of electronic fund transfers with a particular financial institution as a condition of employment or receipt of a government benefit. 
REMOVAL OF INACCURATE INQUIRES PER TITLE VI CONSUMER CREDIT REPORTING Sec. 604. [ 15 U.S.C. 1681b ] ( a ) Sec. 913. [ 15 U.S.C. 1693k ] DELETE INNACURATE INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the XXXX data breach and as a result I'm also a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to XXXX Trans Union and XXXX Demanding to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. Because of this blunder of this company I have been unable to purchase a home, I have been denied work and I have tremendously struggled financially trying to fix this problem that WAS NOT caused by me and I demand it be fixed immediately! 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all credit reporting agencies block all of the accounts, collections and hard inquires identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this complaint be sent to me via email to the email provided and a new updated credit report be mailed to the address listed on file as current. Please block and delete the following XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

The credit reporting agency is reporting a business account on my personal profile. Additionally, they report it delinquent when it's absolutely not. There is no payment due on this account. In any case, this is a business account and therefore should in no way appear on my personal profile.
Consumer complaint received 2023-04-18
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX