davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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. (GA)

When I reinvestigated my credit report on XXXX, I see that the same accounts were erroneous. The 3 credit Bureaus are required to authenticate these accounts 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 accounts below : XXXX XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$120000.00}
Consumer complaint received 2023-03-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (LA)

On XX/XX/2023 square payroll debited my account {$220.00} for a service they did not provide. Two days later they debited my account for {$5.00} for a product that I did not receive. The service I agreed to was for payroll services. Instead of performing there duties they instead simply kept my money and have even denied taking anything out of my account. The other charge is for a subscription for payroll services. My account was immediately closed therefore I never received this service. They refuse to take my calls and have stopped responding to my emails. They will not admit to having my money let alone a refund. These people have done this Same thing to many other businesses. One only has to do a XXXX search to find the horror stories from people like me who has been unjustly robbed and account closed without any due process or explanation.
Consumer complaint received 2023-03-24
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I'm looking forward to the prompt update of the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-24
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. (LA)

I, XXXX XXXX, never gave ( XXXX nor TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. The reporting of such inforation has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household puroses. You and your reporting have damaged my livelihood. I have been stressed out and depressed beyond measure to the point where it is hard to cope. A copy of the law is attached in this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts. I have been in dispute with XXXX for over 30 days and they continue to report inaccurate information on my consumer report.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

XXXX and Experian is reporting a bankruptcy on my credit report and they have put in that the data furnisher is the us bankruptcy court of Texas which is false I have attached a letter from the us bankruptcy court of Texas verifying and stating that they do not furnish information to the credit bureaus or any credit monitoring service nor they they verify and validate any information concerning bankruptcies. XXXX and Experian is falsely stating this information on my credit report and refuse to remove this information from my credit file.
Consumer complaint received 2023-03-24
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. (GA)

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DPT EDXXXX XXXX Balance : {$28000.00} DEPT OF ED / XXXX XXXX Balance : {$28000.00} DEPT OF ED/XXXX XXXX Balance : {$28000.00}
Consumer complaint received 2023-03-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have never been presented with any affidavit that would provide validity to your assessment, and its my understanding and belief that no such paperwork exists. Please provide Creditor? Debt Collector Declaration, affidavit of validation of debt creditor. 
TRANSUNION XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2100.00} XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX Shows PAYS_AS_AGREED on XXXX nor XXXX Please update to PAYS_AS_AGREED XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX Shows PAYS_AS_AGREED on TransUnion nor XXXX Please update to PAYS_AS_AGREED XXXX XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX Does not appear on XXXX nor XXXX PLEASE UPDATE FOLLOWING ACCOUNTS AS THEY REPORT ON XXXX AND XXXX XXXX XXXX XXXXXXXX ( CLOSED ) Summary {$19000.00} Owner INDIVIDUAL XXXX XXXX Account Status PAYS_AS_AGREED Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) {$3000.00} Account Number XXXX XXXX Reported Balance {$0.00} Account Status PAYS_AS_AGREED Date Opened XX/XX/XXXX XXXX XXXX  XXXX ( CLOSED ) Summary {$1100.00} Account Number XXXX XXXX Reported Balance {$0.00} Account Status PAYS_AS_AGREED Date Opened XX/XX/XXXX 15 u.s. C 1681b Permissible purposes of consumer reports reported without no written consent 15 usc 1681c -identity theft prevention : fraud alerts and XXXX XXXX alerts without my written consent it is considered identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft. a statement by the consumer that the information is not information relating to any transaction by the consumer. 
If credit bureaus are notified about anything on credit report because of identity thrift, they must remove because i never gave consent 15 US CODE 1681A LATE PAYMENTS reporting to my consumer report is ACCORDING to 15 US CODE 1681A titled definitions rules of construction para 2 titled exclusions and sub para a subsection I state that transactions are not included in the consumer report. If there has been an OVERSIGHT, please update to be paid in full. 
15 U.S. Code 1692g - Validation of debts 15 USC 1681 SECTION 602 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 USC 1681 SECTION 604 A section 2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.
Consumer complaint received 2023-03-24
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX 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 XXXX 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 2022-06-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon review of my credit report, I discovered unauthorized credit inquiries. These unauthorized inquiries concludes that my identity has been compromised which can be very damaging to my credit rating. Please delete these inquiries from my credit report. Failure to do so is a direct violation of my FCRA consumer rights.
Consumer complaint received 2022-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

- Reached out to EDFinancial on XX/XX/2022 to request a refund of payments made since the Cares Act was instated as I made consistent and sometimes large payments toward my loans. 

- EDFinancial stated my request was received on this same phone call on XX/XX/2022 - When asking how long it would take to get my refund/ loans reinstated, I was told six to nine months - When asking if this could be expedited/ expressing my concern since loan payments resume at the beginning of the month, they stated due to the amount of requests, they can not provide any updates or details. 

- Called on XX/XX/2022 to see if there was any update - same answer, no ability to give a status or timeline. 

- Called again today, XX/XX/2022 to check again for an update, zero updates, status of the request shows as active on their end but it could still be a long time per representative. They have no timelines to give.
Consumer complaint received 2022-11-10
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I just received my reinvestigation back from Equifax, they have stated that everything is 100 % complete and accurate. I would like to receive the description according to the 15 USC 1681i ( 7 ) The accounts listed below are not accurate. The open date and last payment date, and last date active, are not 100 % accurate.

They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ) 1. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TX)

I contacted the company back in XXXX after losing my job and they offered to help via a Mortgage Assistance form. I was provided an email address, fax and mailing address to send to. The email bounced, so I reached back out to them and got a message that said We are experiencing higher than normal call volume, please call back during non-peak hours. These non-peak hours are never stated, the system simply hangs up. 
I finally managed to get through and was given yet another email, which did not appear to bounce, and didnt receive any calls asking for more info. This lasted a week or two, then got an automated call asking me to call them. I call and got the high call volume message, and it hangs up. This went on for several weeks before I got someone again, who gave me yet another email. I sent, waited and this started all over again. I got through on Monday, XX/XX/XXXX and was told my house is in foreclosure, no date assigned yet. They said they can still help, send the documents to stop the Foreclosure and I sent. Ive now called everyday this week and gotten right through, but depending on who I speak to, they either have or dont have the documents, OR they need documentation that the form I filled out says they dont need. I had to call 3 times to get to a supervisor just today, and 2 out of 3 times they saw documents, the last lady saw none. 
I do not wish to lose my house because of company errors. I did what was asked and then some.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MN)

It is over 50Days that i disputed some items on my report as reported by your reporting Agency. i still do not have a response or report of investigation. 
- Incorrect name - Misleading Also Known As Name - Incorrect and Misleading Current Address - Misleading Previous Address. 
All the above and many more Unverified accounts that were not investigated or deleted if it was not investigated. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Consumer complaint received 2023-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cornerstone Holdings, Inc. (AZ)

We were customers of XXXX and upon closing out our internet services we werent notified that we had a router that needed to be turned in. Instead a debt collector called us and told us we had a {$150.00} unpaid debt from XXXX. I immediately gathered the router and brought it to XXXX and received a receipt of proof that the issue was returned and taken care of. I emailed the copy of the receipt to XXXX XXXX XXXX on XX/XX/23 and still this debt is showing on our credit history, hurting our credit score. 

We need this removed. My family and I have since moved from Alaska to Arizona on military retirement orders and no longer have any ties to gci. I went to purchase a vehicle yesterday and this populated as a derogatory impact to our credit with should be resolved with no impact. We have never missed a payment and take great care of our credit. Please help me in resolving this. Thanks
Consumer complaint received 2023-03-24
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. (GA)

XXXX XXXX acct # XXXX {$7600.00} ; XXXX XXXX XXXX  XXXX acct # XXXX formerly XXXX XXXX acct # XXXX {$2100.00}, illegally pulled my credit report on XX/XX/XXXX, with my signature or the fact that I applied for a loan with their company ; XXXX XXXX acct XXXX XXXX sold to XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX {$3400.00} ; XXXX acct # XXXX {$170.00} ; XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX {$1800.00} ; XXXX XXXX XXXXXXXX XXXX acct # XXXX {$3800.00} ; {$25000.00} ; {$13000.00} ; {$9500.00} ; {$4800.00} ; {$9100.00} ; {$2800.00} ; {$5000.00} ; {$240.00} ; {$5700.00} ; {$2700.00} ; {$25000.00} ; {$24000.00}. After submitting my complaint with CFPB, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX submitted they deleted these accounts. I have provided police reports, proof of identification, proof of address, and copies of credit reports showing that these accounts were deleted. Every 30 days they allow these companies to return under a different company, account number, with the same information.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I'm member of XXXX who report my rent being paid each and ever month to all credit bureaus. XXXX, XXXX and TransUnion to earn my credit scores from all three of rent being paid. My credit scores hasn't been increasing of my rent being paid each every month. My credit scores should at least be XXXX for me to qualify for home loan. I feel i am being held back from qualify for home loans. Maybe because of my XXXX, XXXX, age, XXXX, martial status. To qualify for home loans.