davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
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. (GA)

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 n 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 us 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft pursuant 15 USC 1681b ( a ) ( 2 ) consumer reporting agency may not furnished a consumer report only in accordance with written instructions from the customer and I, XXXX XXXX, the customer never gave any written consent to report anything on my consumer report .NO CONSENT is identity theft.15 usc 1681a ( d ) ( 2 ) ( A ) ( iii ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.
Consumer complaint received 2022-06-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In all of 2021 I got marketing advertisement mails from XXXX XXXX XXXX local office where I live. I ignored it until I found out they made an unsolicitied inquiry on my transunion credit report on : XX/XX/2021 & XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, ID XXXX XXXX I contacted them to ask where they got my personal information and why did they run an inquiry on my transunion report. They told me that the only way they run an inquiry on credit report is when someone applies for a loan. I told them that I did not apply for a loan. They transferred me to the fraud department. The fraud department mailed me an affidavit to fax them.
Consumer complaint received 2022-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX XXXX XXXX is using false Information on a debt that I'm already paying on. The original ( and only ) creditor is Capital One which I currently owe {$2700.00} out of XXXX. XXXX XXXX XXXXt is claiming That I owe XXXX which I never owed that amount. XXXX XXXX XXXX stated that the debt we sold on XX/XX/XXXX which capital one never did. Captial one sent me to court and garnish me ( Maryland district court case number XXXX date XXXX XXXX ). XXXX XXXX XXXX also would not allow me to dispute the issue with them directly ( I called more than one number ). XXXX XXXX XXXX reported on my credit report in XXXX, I went default on my debt in XX/XX/XXXX and from my understanding is against reporting laws for my state.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX  XXXX XXXX loans are income based driven loans. After my divorce, I submitted my documents to was then XXXX XXXX. XXXX never acknowledged the divorce decree, which keep me as a financial XXXX to them. Over the years I have written numerous letters to XXXX regarding my financial status as well as my divorce decree. 
XXXX  private student loan services listed accounts on my credit report as being late more than 60 days which belongs to my daughter and ex-husband. Account has never been late. Daughter never disclosed to me anything beyond accounts in forbearance. Accounts has been in forbearance since the Covid pandemic. She is still unemployed. 
XXXX Change to all 3 credit reporting with XXXX  credit score-XXXX. On XXXX XXXX reported exceptional score of XXXX On XXXX, filed a dispute with XXXX. On XXXX file a dispute with Attorney General office of XXXX XXXX, still waiting on that investigation as well. Score decreased. to fair XXXX, changes to score with Transunion. On XXXX, XXXX updated dispute with submitted documents. Also on the same date changes made with XXXX. 
XXXX deleted the accounts from credit files as of XXXX after their investigation of my dispute, however my credit score as of XXXX, has not been restored from fair to exceptional. which was my prior score before this issue with XXXX inaccuracies. 
XXXX, XXXX sent a letter to daughter stating that accounts were approved for forbearance from XXXX to XXXX. If account in forbearance, why are the showing as late more than 60 days/negative on my credit report. This should have never happened. 
Still waiting to hear response from Attorney General of XXXX as well as updated and restored corrected scores from all 3 credit bureaus. 
XXXX submitted additional documents to XXXX re : forbearance letter and dates. 
I have worked extremely hard to maintain and improved my credit score to exceptional status. This matter should be investigated and my scores for all 3 credit bureaus should be corrected and updated as well as restored to my exceptional status.. XXXX XXXX negative reporting on my credit file should be deleted from XXXX and Transunion due to their error and unfair practices, not mine. Again, XXXX has already deleted XXXX from my credit file
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am filing a complaint regarding incorrect personal information being reported on my credit report. The inaccurate details are affecting my ability to obtain credit and are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, which requires that credit reporting agencies maintain accurate and up-to-date information. 

Despite my previous attempts to correct this, the errors persist, causing ongoing harm to my creditworthiness. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that the credit reporting agencies correct the inaccurate information on my credit report.
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (AZ)

: ADVERSE ACTION DATED XX/XX/2021 Recently, I XXXX XXXX XXXX was denied an extension of credit by XXXX XXXX XXXX American Express Card. On around XX/XX/2021, I applied for Small Business Credit Card. XXXX As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S. Code 1691 ( C ) and you assume civil liability pursuant 15 U.S. Code 1692 ( K ). XXXX XXXX XXXXXXXX has violated my federally protected consumer rights : 15 U.S. Code 1642 15 U. S. Code 1681M 12 CFR 1002 Since the letter you sent me dated XX/XX/2021 is both a proof and evidence that I have been discriminated against, you are also criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
Consumer complaint received 2022-06-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (MS)

I was approved for XXXX  XXXX XXXX grant to assist in mortgage that was in forbearance for a year or more. The timely Grant process was eventually approved and I was greatful for it, however I advised my Mortgage lender that I was approved for the grant prior to extending my mortgage to XXXX years in their loan modification. When the XXXX XXXX grant provider contacted my mortgage lender the lender advised of a modification so the grant was then declined. I am thankful for all the assistance from both ends however I believe my lender acted as me to deny the grant. The modification did allow me to handle my new mortgage payments somewhat without struggling as much by extending my XXXX year left of original XXXX year mortgage to XXXX years. I wanted to make this aware what could potentialy affect someone elses mortgage grant approved only to be denied by Mortgage leinholder. I never advised the XXXX XXXX XXXX  that I was no longer needing the assistance and was advised that my mortgage lending company denied the funds for approved assistance. I recieved a email today from the XXXX XXXX XXXX entity stating that application was withdrawn for reason of " Homeowner Cancelled '' and this is not correct. Rocket Mortgage pressed hard for loan modification upon being advised of GranXXXX awarded. I am not totally convinced that the Grant provider has a hand as well since they said I withdrew grant application. I missed a year of payments during COVID forbearance. The XXXX XXXX XXXX entity and mortgage company both can not be listed as entity 's complaining about. There is definite conflict from what I was advised by XXXX XXXX XXXX XXXX XXXX and my mortgage lender denying the grant. I attched docs confirming.
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (LA)

I have multiple inquiries that I did NOT authorize, there are several car and finance companies I did NOT authorize. I authorize one company and these unauthorized companies started weighing in on my credit report UNAUTHORIZED!!! 

I even contacted the Bureaus for removal, was in contact w someone through email and messaging she never responded back from Experian its ridiculous. Tried through internet for XXXX and XXXX!
Consumer complaint received 2022-06-22
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX. # XXXX and XXXX XXXX XXXX. # 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
Consumer complaint received 2022-06-22
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX - XXXX XXXX, # XXXX - XXXX XXXX, # XXXX - XXXX XXXX  # XXXX - XXXX XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MD)

Midland credit management is using false XXXXnformation on a debt that I'm already paying on. The original ( and only ) creditor is XXXX XXXX which I currently owe {$2700.00} out of XXXX. Midland credit management is claiming That I owe XXXX which I never owed that amount. Midland credit Management stated that the debt we sold on XX/XX/XXXX which XXXX XXXX never did. XXXX XXXX sent me to court and garnish me ( Maryland XXXX XXXX case number XXXX date XXXX XXXX ). Midland Credit Management also would not allow me to dispute the issue with them directly ( I called more than one number ). Midland credit Management reported on my credit report in XXXX, I went default on my debt in XX/XX/XXXX and from my understanding is against reporting laws for my state.
Consumer complaint received 2022-06-22
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. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX  with Account ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION ()

When i moved overseas capital one bank denied me access to online services, wire transfers services, and other important services. they refused to provide me alternatives to access these services thus causing me financial damage. Then, recently they put a hold on my account for no reason making me bounce a XXXX payment on my credit card. I want to put a formal complaint against them
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

The credit bureaus keep reporting my personal information as inaccurate, the last day active is inaccurate, and collection reported inaccurate. This is grounds for removal. They also violated my rights under the following : 15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.S 1682 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Brightfunders, LLC (NJ)

I am selling property for XXXX. Prior to selling, a market analysis was completed in XX/XX/XXXX which came back XXXX. I established a selling price for the property and signed a contract with a tenant buyer to sell at XXXX. On XXXX XXXX, an appraisal was ordered by LOWER MORTGAGE and completed and valued at XXXX. Since value was below market analysis value XXXX, I requested LOWER XXXX XXXX for a 2nd property reappraisal. I was told by XXXX XXXX, XXXX loan advisor for the buyer, as per the company policy, and reappraisal must be detailed with reasons and approved before a second appraisal was sanctioned. 
On XX/XX/XXXX I submitted a letter detailing 7 reasons why the appraisal report was inaccurate incorrect. The main reason stated was comps were too old, dated XXXX, XXXX and XX/XX/XXXX. Other reasons were in-comparable to my subject property. 
My request for a second appraisal was approved and XXXX XXXX proceeded to order a second seller funded appraisal for {$980.00}. After paying the appraisal {$980.00} fee, a few weeks searching for an appraisal company, XXXX then informed me, she didn't realize another appraisal could not be done till first expires on XX/XX/XXXX XXXX. XXXX XXXX decides to wait till first expired and then implement the new appraisal. The new current appraisal with newer comps was completed by XX/XX/XXXX, with a value XXXX. 
Trying to close the loan in XX/XX/XXXX, another Underwriter said he would use first expired appraisal {$200000.00}, with now over a year-old comp. XXXX XXXX 's company, approved the second appraisal request, charged, and accepted {$980.00}, for a value that came in at {$250.00} and now the Underwriter refuses to use a current appraisal in favor of the first older expired appraisal report, a {$55000.00} difference in value. LOWER company is using an undervalued appraisal report and using discriminating appraisal practices to suppress housing values and keep {$980.00} without services rendered.
Consumer complaint received 2022-06-22
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. This account was deleted from my credit report and reinserted and I did not receive anything in writing within the 5 days of reinsertion. 

15 U.S.C 1681i section ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

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 an account without my written instructions I also attached a copy of my certified mail receipt that was sent to Equifax to dispute this item and never received anything in writing with results of the investigation.
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

My daughter click on cards more than once without my knowledge to get credit cards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX SYNCB/PAYPAL ( Bank ) XX/XX/XXXX SYNCB/PAYPAL ( Bank ) XXXX XXXX, XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX