davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I request for the payment to get correct on my credit file I was never late for this account in XXXX of XXXX or XX/XX/XXXX. XXXX was taking out my account and I can see that the credit card payment was made to my self builder credit card. Please update the account and change the late payment to paid on time. Here the account name and number : XXXX XXXX  account number XXXX. I have proof payment was made.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I notified Transunion to update my XXXX XXXX card to XXXX balance because its paid and they removed it causing my credit to drop XXXX points on XXXX XXXX
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my report. these remarks have been XXXX  to my life and credit health.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I sent two letters so far regarding accounts that were misleading and false reported on my credit report, which is a violation of FDCPA section 807. I still have not received any response from the bureau regarding this account. I also sent letters regarding unauthorized and old ( more than 2 years ) inquiries on my credit report. This is affecting my ability to obtain credit and move into a new home.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I received a copy of my credit report and I show company XXXX XXXX account number XXXX. Per FDCPA I am aware that an chargeoff or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am be violated due to FDCPA becuase there is an open balance listed to my credit report in the amount of {$4900.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I reviewed my Consumer Reports and noticed that I have late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX  XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2021-04-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: A+ Loans, Inc. (GA)

I made this loan, this loan included XXXX XXXXXXXX coverage, I told Representative [ Not ] to include XXXX XXXX coverage because I receive XXXX XXXX XXXX and Im a XXXX XXXX  XXXX Veteran, to-date No XXXX  XXXX payments have been applied under XXXX Contract, I dont owe a dime on this contract. I XXXX XXXX XXXX XXXX I gavXXXX XXXX XXXX  a copy of my Social Security & VA Awards LETTERS when applying for this industrial loan. Again I dont owe a penny on this account if XXXX XXXX never applied XXXX XXXX payments to this account.
Consumer complaint received 2024-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (CA)

Homeowners have been paid all payments on their home in XXXX  XXXX since XXXX, 21 years and would be current if it was not for bank refi scams and dishonesty from XXXX XXXX XXXX a XXXX lender that is supposed to aid low or no income communitas as the Department of Treasury mission statement for XXXX, but instead scammed on us charging, at the last minute XXXX months into refi process, a low income, predatory lending penalty fee of {$1000.00} a month, and did this for 13 months, in a scam that cost us {$13000.00} in rip off charges, and threw off our bridge loan, in XXXX plus months from our payment causing us to go into present forbearance as approved by XXXX that last servicer of XXXX. 

We only contracted with XXXX, that is so XXXX, and unethical they think that we are their paid secretaries and suckers for their bait and switch musical chair servicers that we have lost count of, changing every few months to cause huge loss of work harassment damages as they think we are their unpaid administrative secretaries to harass at work, week after week, month after months as they change servicer after servicer, in a likely bait and switch scam, that is also a fraud to likely hide records from the IRS and we ask that you report this to them. You can also report to the IRS as starting with XXXX, they began to double dip on the escrow, included in the huge {$4500.00} a month payment we made on time for 12 months and then paid the double dip escrow payment, of {$54000.00}! before this extra stolen money drove us into forbearance as it was not accounted in, for the additional XXXX or XXXX months we need to get to pay due to us. The Shellpoint/XXXX , larceny , fraud ad predeatory lending, has driven us into the XXXX approved forbearance. Also XXXX maliciously made false credit report complaints malleolus owing our score from XXXX to XXXX! and needs to correct these lies, and Shellpoint can do this too. Shellpoint has been notified for weeks about the above crimes, and so far has chosen to aid and abet them and even illegally added more false charges like the the bogus crooks they are. XXXX  and their criminal conspiracy partners Shellpoint, needs to return the stolen {$13000.00} fake low income penalty, the double dip escrow, THAT IS HAS BEEN PAID AND IS HELD IN RESERVE fraud claim, AND BECAUSE WE HAVE AN ARM WITH INTEREST RATES GOING DOWN, ALONG WITH THE TAXES THAT RECENTLY WENT DOWN, LOWER THE MONTLY PAYMENT, AND QUIT HARASSING US WITH THEIR SCAMS AND CRIMINAL ACTIVITIES TRYING TO STEAL MONEY!
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am a victim of XXXX XXXX 

I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a few Personal credit card Accounts listed below. This request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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. 

Account Name : XXXX account # XXXX Account Name : XXXX account # XXXX Account Name : XXXX XXXX XXXX account # XXXX XXXX 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 an 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, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2024-07-25
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. (NJ)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Both XXXX and TransUnion continue to show that I have Accounts with Adverse Information and Serious Delinquency. Only TransUnion shows the alleged account with Delinquency, which shows XXXX XXXX. I have talked to both agencies numerous times on the phone and have mailed information from XXXX that the account was never Delinquent, was paid on time and in full. The crazy part is, both credit reports from XXXX and TransUnion show XXXX XXXX as Exceptional Payment History, account closed and Paid On Time. I get both of them on the phone and they admit they show no delinquencies at all on my account and will look in to it and fix it. This has gone on for several years and nothing has been fixed. The result Is that some of my credit card companies show a reduced FICO score and most of them show the correct higher ( over XXXX ) scores. I am totally frustrated with both these companies and their total lack of concern and professionalism in this matter, especially since their own Credit Report proves what I am saying. I can't even dispute my case on XXXX, because the account shows Exceptional, not even allowing me to click on to dispute. Neither of them can produce any evidence to confirm the negative statements they have in the reports. 


PLEASE HELP!
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I looked at my TransUnion report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I have one late payment reporting 30 days late on my report that was in fact paid on time. The consumer reporting agencies must report all information with complete accuracy. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX which reported a 30 day late payment in XX/XX/XXXX, They have violated my rights. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. and according to 15 USC 1681s-2 they are suppose to 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. If this information can not be verified I demand this payment to be updated I am now requesting that you investigate this account and update these payments to paid on time. Thank you for understanding and prompt action. I have never missed a payment or been late.
Consumer complaint received 2024-07-25
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. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy Chapter XXXX XXXX Chapter XXXX Bankruptcy XXXX XXXX Bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been getting stalled as a consumer I have sent this credit reporting agency correspondence multiple times regarding the inaccuracy and forgery of reporting accounts on my credit report and they still have yet to take action. And have instead continued to stall me and violate my consumer rights.
Consumer complaint received 2024-08-18
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. (NY)

THESE INQUIRES ARE FRADULENT I HAVE BEEN DISPUTING SOME OF THESE FOR QUITE SOME TIME NOW. 15 U.S. Code 1681i PLEASE REMOVE THESE INQUIRES. I HAVE NOT APPLIED FOR A LOAN. 

XXXX XXXX XXXX XXXX Installment Loans XX/XX/XXXXXXXX XXXX XXXX Installment Loans XX/XX/XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Used XX/XX/XXXX XXXX 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 RECENTLY XXXX STATED THEY HAD A BREACH AS WELL AS AT & T THEY MUSTVE TAKEN MY INFORMATION
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am filing a complaint against XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). 
Account XXXX Account # : XXXX XXXX XXXX : {$230.00}
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

I have tried to freeze my Experian account multiple times but the site is always unavailable to me. As a result, I have not been able to open an Experian account for years. I have been monitoring my Experian credit score using XXXX. 
I just saw on XXXX that Experian has an incorrect XXXX XXXX XXXX for me. I tried submitting a complaint to Experian and learned that an account ( which was not opened by me ) is open in Experian. 
In XXXX I used certified mail to send a full-file disclosure request to all 50 consumer reporting companies listed on the CFPB site. On XX/XX/XXXX, I used certified mail to send updated information to Experian, XXXX and XXXX This information included updating my phone number, because my XXXX fraud alerts were going to an incorrect phone number, and updating my mailing and residential address. I did not receive proper confirmation of my updates, or a full file disclosure, from Experian. 
DOCUMENTS AVAILABLE UPON REQUEST
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Paramount Capital Group, Inc. (PA)

Credit reports show that account has missed payment/negative month/derogatory remark. I have never missed a payment and creditor agreed to offer a discount for a full payment. I would like the missed payment/negative month/derogatory remark removed from my credit report and score.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AMERICAN EXPRESS COMPANY (NV)

I see a charge back for the amount of {$300.00} from XXXX XXXX XXXX. I never gotten any letter or phone call from you guys. it just seem like you guys went and charge me for no reason, not sure what deal is but this is wrong. I called you guys about this. I just hope that this was a mistake from your end. I'm currently going through a lot. I recently lost my daughter, I don't need anymore stress on my shoulder.
Consumer complaint received 2024-08-17
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. (MD)

I recently obtained my credit report and I saw that I had numerous accounts that where not mines and or opened fraudulent I contacted the credit bureaus and informed them that I did not open these accounts and was informed that my information was exposed in a data breach I then filed a report with the ftc.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE (MA)

I've always had a credit score of over 800 because I always tried to be very careful with credit cards. a few weeks ago I was in the process of getting a home loan for a house I really wanted to purchase. My loan had gotten denied and I found out it was because my credit had dropped over 200 points. I had discovered my ruined credit was a result of an automatic online annual XXXX dollar charge on an old Barclays card I had. This is a card that I had for over a decade, I used this card in the past for hundreds of transactions and have always paid my balance on time every month. I had stopped using this card during the pandemic because of my financial situation and saving for the home purchase. I do not receive paper statements for this card. Some website apparently signed me up for an ongoing annual subscription and charged XXXX dollars to this card. I never received any communication about this small charge not being paid by me. I had finally received a letter from Barclays saying they closed my account, after the fact that is. I immediately paid for the charge when I found out about it, but my credit was completely ruined by that point. I had done everything within my power to communicate with Barclays to at least get my account reinstated as I've had a long and good credit history with them and I've always paid them on time. They did not reinstate my account and weren't willing to remove any negative reporting to the credit bureaus and I lost the home I was trying to purchase. All of this was over a XXXX dollar charge after being a great customer of Barclays since XX/XX/2004. They haven't communicated with me about what was happening and they chose to lose me as a good client and ruin my credit and not even try to fix anything. Total disregard to a person financial well being ... a long time client who made them a lot of money. I would love for you to publish this so people can be warned of how Barclays will completely disregard someone's life. Thank you XXXX