davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
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. (DC)

This is my 5th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX XXXXWASHINGTON, DC XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Affirm Holdings, Inc (VA)

On XX/XX/2023 I filed a complain with cfpb against AFFIRM because of fraudulent chargers on my account that they would not fully investigate nor remove. Since the resolution with AFFIRM my account has since been closed. However, AFFIRM continues to withdrawal payments from my bank account on balances I have no access to. They have also stop taking any of my calls when I call to inquire. 

When I email, they are requested that I send them ID verification. They rejected them all. The last email I received from them after another request to view my balance was that I write a check to their company in Pennsylvania with my account loan information. However, I am unable to do that if I do not have access to my account with such information! 

The following is an example of the repetitive emails with different Customer Service Representatives listed at the bottom when I request access to my account balance. 

Hello XXXX, Thank you for following up with Affirm! 

I can certainly see the importance for you to recover your account. We appreciate your patience and rest assured that here at Affirm your concerns are our priority. We will be more than happy to help. 

We received your request to recover your Affirm account. To review this request, we will need additional information from you. 

Please follow the link HERE to securely submit your documents for verification. This is a single-use link that will expire in 3 days. You will need to submit photos of your government-issued ID as well as a photo of yourself. Acceptable forms of ID include : Driver 's License Passport Identity Card Our Account Safety team reviews these submissions Monday - Friday. Once submitted, please allow 4 business days for your documents to be reviewed and, if approved, updated. You'll be notified via email on the outcome of your request. 

If you have any questions or concerns, please let us know by responding to this email or by calling XXXX. Our customer care representatives are available to take your call between the hours of XXXXXXXX XXXX  - XXXXXXXX XXXX Central Time seven days a week. 

Best, XXXX XXXX. 
Affirm Help Center XXXX I have filled this application several times and each time is has been rejected.
Consumer complaint received 2024-08-23
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. (CA)

I believe that my information is being misused and reported as inaccurate and I am refiling this complaint to TRANSUNION. In my credit report from XX/XX/year>, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions. I have also attached an FTC report for this complaint to support on fraudulent information complaints.
Consumer complaint received 2023-06-06
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: ULRS, Inc. (CA)

United Legal Group/ Credit Collections Bureau XXXX XXXX XXXX XXXX XXXX CA, XXXX Subject : Dispute of Debt Collection Account : [ XXXX ] In accordance with the Fair Credit Reporting act, 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 16811 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I requested the following information be provided to me within 30 days from the date on the receipt/letter ( XX/XX/23 ) : 1. A detailed account statement, including the original creditor 's name and the specific charges allegedly owed.

2. Copies of any contracts, agreements, or other documents that demonstrate my consent to incur this debt.

3. Proof of your agency 's legal authority to collect this debt on behalf of the alleged creditor.

4. Any documentation supporting the claim that the debt is valid and belongs to me, including proof of identity and account ownership. 

As admitted by XXXX XXXX XXXX, they never responded to my letter with verification and claim a signature that has my " name '' by it is the only thing connecting me to the debt- to which I have expressed multiple times, I don't recognize. She also stated. the last thing they sent to any mailing address was in XXXX, well before any dispute I sent/filed. 

I must remind you that under the Fair Credit Reporting Act ( FCRA ), any negative information regarding this disputed debt must not be reported to any credit reporting agencies until the matter is resolved and the debt 's validity is established. We have far surpassed the 30 day allotment. 

I still have my USPS receipt and a copy of the letter that it was sent with, via Certified Mail. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2023, I wrote a dispute letter to CRA TransUnion and mailed notification disputing incorrect personal information reported by the credit reporting agency. In the dispute letter I specified the rationale for my compliant according to FRCA U.S.C.1681i. I mailed the letter via certified mail via USPS, XX/XX/2023. As of XX/XX/2023, I have not received an update or response to my dispute. I checked the CRA 's website but there is not a change to my report.
Consumer complaint received 2023-04-03
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-04-04
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: MicroBilt / PRBC (formerly CL Verify) (DE)

Fraudulent credit inquiries on my XXXX credit report on XX/XX/2023. 
XXXX inquiries from MICROBILT XXXX, XXXX I call them and they would not remove it.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XXXX have been reporting late payment to the credit bureaus. In accordance with fair credit reporting act, this creditor has violated my right under 15USC 1681 section 602 states I have the right to privacy ( 15 USCS 1681 section 604 a section 2. It also states a consumer agency can not furnish an account without my writing instructions under 15 USCS 1666b a creditors is not to treat a payment on a credit card account under an open end consumer credit plan or any late for any purpose. 

XXXX  XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 Account Number : XXXX Account Name : 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 2024-08-23
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)

XXXX XXXX  have been reporting late payment to the credit bureaus. In accordance with fair credit reporting act, this creditor has violated my right under 15USC 1681 section 602 states I have the right to privacy ( 15 USCS 1681 section 604 a section 2. It also states a consumer agency can not furnish an account without my writing instructions under 15 USCS 1666b a creditors is not to treat a payment on a credit card account under an open end consumer credit plan or any late for any purpose. 
XXXX XXXX Account XXXX
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The inaccurate statements on my credit report from Experian has hurt my credit score and at least one credit card company has declined credit citing those inaccurate statements. 


I spent more than an hour yesterday on phone with the representatives of the company trying to file a complaint or dispute to fix the error. I was passed on from one person to another and hung up in the middle, and the same pattern repeated when I called for another hour. The representatives constantly lied about having created a case number that could be seen by others, and others said they could not see the case number. The representatives said my report indeed has inaccurate information and some supervisor will give me a call back, but no such call was received. 


Experian 's credit report has multiple inaccurate and false statements. Here are some concrete derogatory remarks, quoted verbatim : " Few accounts paid on time. You have an insufficient number of accounts that are currently paid as agreed. Number of your accounts currently being paid as agreed : 1 account '' Similarly, on my Experian 's online account, it says that there are 67 % accounts that are " always paid as agreed '', which is also false. 

In reality, I am paying all my accounts 100 % on time, which is evident from the rest of the credit report. The only account I have not paid on time was closed more than a year ago. No other credit reporting agency has this closed account as a derogatory remark on their reports, and they also correctly state that all my accounts are paid as agreed. 


Somewhere on Experian 's system, it has recorded falsehoods about my accounts, payments, and delinquency status. These falsehoods are reflected on my credit reports and these false judgements are hurting my credit score, as well as ability to acquire credit. 


Experian is not serious about the harms its irresponsible and negligent actions are causing me. It took no action after being alerted about this multiple times. 


I am attaching a document with this complaint that contains the following screenshots : ( a ) Experian 's credit report containing the inaccurate statements, ( b ) Experian 's web account containing the inaccurate statements, and ( c ) XXXX 's and XXXX 's credit reports with accurate statements.
Consumer complaint received 2023-05-03
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. (GA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2016-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I had a XXXX modification that took off {$10000.00} off my loan. I originally bought my house for {$110000.00} now my balance is {$84000.00}. I asked Nationstar to please remove my PMI since I am 75 % into the loan. They originally told me it would be automatically removed XXXX/XXXX/2017 or pay 20 % of the total loan. They are now telling me since I got my home modified XXXX they will not be removing the PMI because that was my original loan not my modification. This is all not making any sense to me. I am not trying to pay anyone to re-appraise my home and I did n't think it should matter. I am NOT delinquent on my loan. All this do n't make sense if I got my loan modified. Modification is suppose to help me afford my home. I 've been in my home for 9 years and I 've been paying a PMI of $ XXXX on my mortgage. Please help I am truly frustrated and I feel the Mortgage company is trying to get over on me. I 've never refinanced my loan just a modification was done.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

I am requesting the removal of these collections from my credit report, as they are negatively impacting my credit score. I am uncertain why this issue was not resolved when I previously requested removal a few months ago. Please take immediate action to remove the inaccurate information from my credit file. Thank you.
Consumer complaint received 2023-04-03
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)

I have tried to resolve this with TRANSUNION, their website will not allow me to upload supporting documentation. They will not allow me to email them this documentation. I do not have transportation to get to the mail or print this documentation. I am a victim of identity theft. They continue to repot damaging information which is a result of fraud although I have identified that the accounts were opened fraudulently. I have received notification from XXXX that they have closed the account after I sent them supporting documentation of the fraud, however, TRANSUNION continues to report it. 

There are 2 fraudulent accounts on my credit report XXXX XXXX XXXX XXXX XXXX 15 US Code 1681c-2 states " a consumer reporting agency shall block the information in the file that THE CONSUMER identifies as information that resulted from an alleged identity theft, not later than 4 business days '' I have called multiple times and have sent in documentation of the identity theft several times since XXXX XXXX XXXX
Consumer complaint received 2020-06-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (SC)

On XX/XX/2020, I went to the DMV to transfer the title and registration from XXXX to XXXX. I learned from the DMV that I needed a copy of the title with my name on it and the lien holder information, First National Bank.  I contacted the bank and they were unwilling to provide the copy of the title without a faxed request from the DMV. The DMV would not fax a request to the bank. I contacted the bank again and relayed to them that the DMV would not fax a request and we needed them to provide the copy of the title so I could complete the registration and title process so we can utilize our vehicle in the state of South Carolina. The bank has an arbitrary rule not to release the copy of titles to their borrowers. Our vehicle is now unusable as we apparently will never be able to get the vehicle titled in our new state of residence. The bank is unlawfully holding a simple copy of the vehicle title hostage for no logical reason.
Consumer complaint received 2023-04-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

On XX/XX/XXXX, I found out there were two hard inquiries from Mazda and another from Mazda XXXX. I called Mazda XXXX in sales department. The representative informed me there was an application with my driver license for get a car. This application was from XXXX broker with phone number XXXX. I also got a call from Mazda credit department that if I attempted to buy a car and I said no and please dispute two hard inquiries to credit bureau and she said she cant do that. Apparently, someone is using my identity and license to buy a car but Mazda wasnt helping me with solving issue.
Consumer complaint received 2023-04-04
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}
Consumer complaint received 2023-04-04
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)

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 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom It May Concern : I have filed a previous complaint with XXXX, Transunion, and XXXX with no response. Can you please assist me in fixing the error. 

These are the facts : I sent letters to the credit bureaus multiple times inquiring about the removal of these unauthorized inquires Items were submitted on XXXX and various other dates. After pulling my report today I am seeing these items are still here. Can you please assist in getting the credit bureaus to respond and assist with taking care of these matters per the Fair credit reporting act.