davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (CA)

Over the past week, I have been contacted by two different companies claiming that I owe Check-n-Go money for a past due loan. I was first contacted by XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX, XXXX, and she said that she was offering me a deal to pay back a loan with Check n go for {$500.00} back in XXXX. She said the debt has accrued to {$2100.00}, willing to settle for {$810.00}, then she went down to {$610.00}, then she said if we settle today, then the number is {$500.00}. I did not do anything. Then this morning, I get a call from XXXX XXXX, XXXX, same story about Check-n-go, this time much more threatening and demanding, and the lady was rude, and hung up on me. So, I call Check-n-go corporate office, 3 different times, to ask if they show any records for me taking out a loan and not paying it back? Everytime I had someone check, they don't even have me in their system, so there's no way to see if these callers are accurate with their information. If Check-n-go doesn't even have me in their system, then how could any of this lawsuit be true? It can't be. I asked Check-n-go if I settled a debt would I be in the system, and they said yes absolutley ... they checked my last four numbers of my social security along with my name, and nothing came up for them. Why is this happening to me? If these collection agencies can't deliver me any documentation for this debt, isn't that a red flag? I asked them, and they gave me every excuse in the book as to why they couldn't discuss the " details of this case '' ... I don't want this to effect my credit or have a judgment placed on me, what can I do to stop this and check on them?
Consumer complaint received 2023-04-11
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. (KS)

My initial complaint, XXXX, was withdrawn because I need to attach documents that include communication from Equifax providing XXXX that this company is contacting me directly instead of through the Consumer Financial Protection Bureau XXXX I was told to do this by a representative from CFPB. My initial complaint still stands, which is : Equifax is refusing to update my credit report with the current address as well as other information, and it has decreased my score significantly with the new information it does receive. However, it doesn't use the new information to actually update my credit report profile. I have sent in as well as tried to upload my documents, and Equifax still refuses to update my information. Someone else is receiving copies of my credit report because it goes to a previous address located in a different state. I have called, and Equifax will not correct the issue unless I send out even more copies of my persoal information. No one should ever ask for a copy of your social security card, ID, Birth certificate, and Lease Agreement documents al at once. This is like handing over everything about yourself. This is how this company misuses personal information. 

Equifax is currently stating that my credit file can not be found, which is interesting given that they were able to contact me at my new address, no less, to notify me of this. They were also able to update my score by dropping it almost 100 points. Interesting.
Consumer complaint received 2024-09-11
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. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : [ XXXX. XXXX XXXX XXXX ; Account XXXX XXXX. XXXX XXXX ; Account XXXX XXXX. XXXX XXXX XXXX ; Account XXXX XXXX. XXXX ( Original Creditor:0XXXX XXXX XXXX XXXX XXXX XXXX ) ; Account XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX ) ; Account XXXX ], has violated my rights. 
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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-04-05
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: EQUIFAX, INC. (MS)

I have sent several letters to the credit bureaus that there was a discrepancy on my account but I am not getting any response after 30-45 days filling the dispute. 

below are the information that i wanted to be removed : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-09-11
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. (NC)

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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: VELO LAW OFFICE (MI)

We moved from XXXX XXXX XX/XX/XXXX. We notified them in XXXX that we would be moving at the end of our lease due to rent increase. We returned keys in the drop box. In XXXX of XXXX, my brother was called by the company who bought a debt. They made no attempt to contact my husband or I about this debt. XXXX was the first time that we heard of it. When I called them with the number my brother left, they said we owed money to XXXX XXXX for unpaid rent for XXXX, and some damages. She said that blinds were broken ( we had replaced them only a couple months before, due to a notice when we lived there ). That the sink in the kitchen had a leak underneath it ( we had multiple maintenance people employed by them in and out to fix that ) and some other things. I asked why we hadnt received a list in the mail within 30 days of charges, which is Michigan law, so we could dispute them and she said they had no forwarding address. I also asked why we werent called but my family was and she stated no phone numbers. She then emailed me a document from them with our forwarding address on it and our phone numbers listed. Since then they are working with lawyers who will not send us documentation of damages without a written letter, they will not work with us on our disputing of the items that are incorrect ( we dont know what we are being charged of because still no written notice from them ). They told us take them to court and get a lawyer. Also the court papers we received showed they started the filing XX/XX/XXXX the date we moved in.
Consumer complaint received 2021-04-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (FL)

On XX/XX/2021 I filed a complaint with the Consumer Financial Protection Bureau, under complaint number XXXX. Against Medicredit for account number XXXX. 

The company responded with a copy of some documents that do not belong to me. They attached an invoice under the name of XXXX XXXX XXXX and some other contract that I did not sign. 

The documents they provided appear to be medical and it mentions XXXX XXXX  XXXX from the XXXX. If this was the case with another patient, how did the patient sign that document?. Also the document they provided does not have my signature because I have not been in that situation, apparently this is a fraud account opened in my name and this medical collection agency needs to investigate with their client " XXXX XXXX '' and ask from them to provide the copy of the identification that they have to investigate who this account belongs too.
Consumer complaint received 2024-11-15
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. (PA)

When I reviewed my credit report today, I saw unauthorized inquiries that I did not recognize. I dont understand why theyre there, as I check my report regularly and never had this problem before. I refreshed my browser hoping it was a simple glitch, but that didnt fix it. I'm really upset and expect a detailed review of the documents I provided to finally put an end to this.
Consumer complaint received 2024-09-11
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. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

MY CREDIT FILE WAS COMPLEMIZED BY SOME ONE I DONT KNOW RESULTING IN SEVERAL DELIQUENT DEBTS REPORTED TO MY CREDIT REPORTS. I HAVE REPORT TO THE POLICE NOTHING WAS DONE, I AM REPORT HERE IN HOPE OF CLEANING THOSE ACCOUNTS FROM MY NAME CREDIT FILE.
Consumer complaint received 2024-09-10
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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have submitted complaints via CFPB and the XXXX regarding difficulties with the XXXX XXXX XXXX XXXX XXXX. I applied for a credit card with the company on XX/XX/XXXX. The company rejected my application stating that they were unable to verify my identity. 

XXXX in their terms and conditions list they may request additional documents to verify identity such as Driver License, etc. The company did not request these documents just stated my identity did not verify. I called the company and spoke to an underwriter after my rejection. The underwriter, XXXX, confirmed that all of the details I provided matched my Experian credit report. Because this information matched and it was the only report the company claimed to use in my initial denial rationale I assumed I would be approved for the card. However, I was rejected again immediately for the same reasoning : identifying documents do not verify. 

I called XXXX and asked with which entity does my identity not verify. I was told they will not provide me this. So, I complained here with the CFPB and the XXXX. After rejecting there feedback with the XXXX as they claimed I asked for identity information details, which I did not, I advised that I only asked which entity was utilized to 'verify ' my identity so I could ensure they had accurate information. 

My identity is verifiable to the SSA ( social security administration ), Homeland Security/TSA ( as I have global entry ), BMV, DOT, and many others being my driver 's license and passport also show my identity. My credit report also verifies my identity. However, whatever third-party entity the bank is using is outdated and I can not figure out how to ensure the information they have is accurate because XXXX will not disclose how they were able to obtain this information. 

Under the FCRA I am entitled to this information from my consumer file. I have complained if they feel that they can not truly verify my identity ( which is verifiable in many ways and is verified by several government entities ) then, they should at minimal revoke the hard-pull to my credit report. Which the bank has also denied to do. 

This company, if it not being intentionally discriminatory within it's policy/practice, is not being transparent or acting within good faith to allow consumers their financial information and ability to understand their credit-worthiness and abilities to obtain lines of credits with banks. Not being transparent about this is why these consumer protections exist and I urge the CFPB to review this case and take action.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ) and XXXX XXXX compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and XXXX XXXX compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile
Consumer complaint received 2021-04-27
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: MIDFIRST BANK (UT)

XX/XX/2020 I tried to pay my mortgage late. It was denied and XXXX XXXX XXXX  put me in the COVID CARE ACT refusing to accept XXXX/XXXX  payments, marked late on my credit reports, sold the loan to Midland Mortgage as a refinance raising my monthly mortgage payments, sold to HUD with a Partial Deed of Trust. I have had my credit repair company work with me in sending XXXX XXXX XXXX monthly letters for six months with NO reply or repair on my credit reports. When my home went into contract to sell the property in XXXX the Partial Deed of Trust showed up on the title records to the property with payment to be made in full to the Deed Claim. The refused payments were made to Midland Morgage in XX/XX/2020 along with the XXXX payment to bring the mortgage current. Midland also made several attempts to understand the split of the loan and could not get communication from XXXX. I have mailed letters to the Secretary of State, XXXX XXXX XXXX, and CFPB by certified mail and am still waiting for a report on financial facts proving my statement as NOT owing the Partial Deed of Trust. I am nor was in Bankruptcy. I am nor was in Short Sale. I am nor was in Foreclosure. WHAT I AM is XXXX with cash to buy my next property and can not get a loan due to the false reporting of XXXX XXXX loans on my credit reports!
Consumer complaint received 2024-09-11
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. (AL)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-09-11
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. (SC)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-08-14
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)

XXXX XXXXXXXX wrote off the debt which means this debt is discharged. THIS DEBT NEEDS TO BE REMOVED FROM MY CREDIT NOW.

Iq data- did not provide verification of my debt. I have repeated asked for a contract from iq data to verify the debt i owe. This is the 3rd time i asked, and havent received any paperwork. Please REMOVE FROM MY CREDIT REPORT, AS THEY HAVE VIOLATED FDCPA FOR NOT VERIFYING MY DEBT.

The dealership did not provide those mandatory disclosure forms at signup. This is a major violation and I exercised my right to rescind my contract. XXXX XXXX unfairly denied my rescision and discriminated against me. 
REMOVE XXXX XXXX ASAP! 


i HAVE ATTACHED ALL 3 LETTERS BELOW FOR YOU ALL TO VIEW
Consumer complaint received 2024-08-14
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: EQUIFAX, INC. (NV)

Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$11000.00} I have previously disputed the accuracy of this charge off account with Equifax and provided evidence that the information is inaccurate. However, Equifax has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2024-08-14
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: EQUIFAX, INC. (IL)

XXXX XXXX wrote off the debt which means this debt is discharged. THIS DEBT NEEDS TO BE REMOVED FROM MY CREDIT NOW. 

Iq data- did not provide verification of my debt. I have repeated asked for a contract from iq data to verify the debt i owe. This is the 3rd time i asked, and havent received any paperwork. Please REMOVE FROM MY CREDIT REPORT, AS THEY HAVE VIOLATED FDCPA FOR NOT VERIFYING MY DEBT. 

The dealership did not provide those mandatory disclosure forms at signup. This is a major violation and I exercised my right to rescind my contract. XXXX XXXX unfairly denied my rescision and discriminated against me. 
REMOVE XXXX XXXX ASAP! 


i HAVE ATTACHED ALL 3 LETTERS BELOW FOR YOU ALL TO VIEW