davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
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. (MD)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2024-04-29
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. (GA)

I was in the process of buying a car when I discovered my credit profile had been compromised as it has been in past. I took note of the inaccurate information and submitted this information to the Equifax credit bureau. I recently received a letter from Equifax stating that inaccurate information would remain on my report. I am now resubmitting the same information with the additional ask of the investigative process that was used concerning my credit profile.
Consumer complaint received 2024-09-02
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. (MD)

This account was charged off on the followind date : year XXXX 
Since then the account has repeatedly been updated as charged off every month. This is an update in the paymeny history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it XXXX and you neglect has violated my rigths, I am demanding a deletion of the following account : XXXX XXXX XXXX, account number : XXXX.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hello, my name is XXXX XXXX. I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.
Consumer complaint received 2023-03-11
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)

In accordance with the FCRA, the credit bureau 's have violated my rights under 15 USC 1681 Section 604 A section 2 states, a consumer reporting agency can not furnish an account without my written instructions. Also I have the rights to privacy according to 15 USC 1681 Section 602a. These accounts were furnished without my written instructions or knowledge. I've reached out to the bureau 's on numerous occasions and still no response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
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. (AL)

To whom it may concern, I have 23 accounts reporting late payments. All the accounts are under US DEPARTMENT OF EDU Acct Numbers XXXX, XXXX and Department of EduXXXX XXXX. 
Under 15 USC 1681b Permissible Purposes of a consumer report ( a ) General - Subject to subsection ( a ) any consumer reporting agency may furnish under the following circumstances and no other ( 2 ) In accordance with written instructions of the consumer to whom it relates.

Did I give written instructions to furnish this on my report? Furthermore, The Fair Reporting Act 15 USC 1681 ( 2 ) ( a ) ( 1 ) .Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions -Except as provides in paragraph ( 3 ) the term " consumer report '' does not include ( A ) subject to 1681s-3 of this title any- ( i ) report containing information solely as to the transactions or experiences between consumer and the person making the report. See the above late payments from my consumer report. No late should appear on my report.This is a violation attempting to report alleged late payments. Failure to respond according to the law will result in legal actions for harm caused.
Consumer complaint received 2024-04-29
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. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-16
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. (PA)

Recently, I did an investigation on my credit report which caused XX/XX/XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Dovenmuehle Mortgage servicing and XXXX  XXXX  are discriminating in the loan modification process. We have sent in a lot of documents including tax returns and they continue to lose the documents. This started happening right when our ID was sent in showing that we are XXXX XXXX. They have given us one of the worst experiences we have faced and the representatives constantly misplace confidential documents. They also stated by various reps that our credit would not be effected while in loss mitigation this was far from the truth our credit went from XXXX to XXXX by their misrepresentations of the program, faulty reviews and reporting and negligence. They have caused severe harm to our household financially and pain and suffering.
Consumer complaint received 2024-04-29
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. (MO)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-04-29
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-05
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. (IL)

Upon checking my credit reprot I have discovered fraudulent hard inquiries which I have not applied for, the hard inquiries are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-04-29
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: EQUIFAX, INC. (TX)

I am writing to express my deep disappointment regarding the repeated inaccuracies on my credit report, which I have brought to your attention multiple times. Despite my previous disputes under the Fair Credit Reporting Act ( FCRA ), the errors persist, causing undue stress and financial harm. 

I have meticulously documented the discrepancies in my credit report, including [ specific inaccuracies, such as incorrect account information, inaccurate payment history, etc. ]. These errors not only tarnish my creditworthiness but also undermine my ability to access fair financial opportunities. 

As per the FCRA regulations, credit reporting agencies are mandated to ensure the accuracy of consumer credit reports. However, the lack of resolution to my previous disputes indicates a failure to uphold this obligation, leaving me frustrated and disillusioned with the credit reporting process. 

I urge you to promptly investigate and rectify the inaccuracies on my credit report in accordance with the FCRA provisions. I expect a thorough review of the disputed items and timely updates to reflect the accurate information. 

Furthermore, I request that you provide me with written documentation of the actions taken to address my dispute, including any updates or corrections made to my credit report. Transparency and accountability are essential to restoring my confidence in the credit reporting system. 

Failure to resolve this matter satisfactorily will compel me to explore further legal avenues to protect my rights under the FCRA. I trust that you will take swift and decisive action to correct the inaccuracies and prevent similar issues from recurring in the future. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute.
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-04-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (TX)

In XX/XX/XXXX, I purchased my vehicle from Hyundai Motor Finance at the end of the lease. At the time of the sale I was living in Massachusetts. The sale price that I paid was {$11000.00} + {$1000.00} sales tax. When I finally received the title 3 years later in XXXX I had just moved to XXXX, Texas. Hyundai Motor Finance sent the original title signed over to me, not a new title in my name. 

In XXXX, I flew back to Massachusetts to transfer the title into my name. The Massachusetts XXXX stated that they had no record of the sales tax paid to them by Hyundai Motor Finance. I requested evidence of the sales tax payment from Hyundai Motor Finance in XX/XX/XXXX, XX/XX/XXXX ( twice ), and XX/XX/XXXX ( four times ). On all occasions, I was told the evidence would be sent, but have not received anything. 

I am unable to transfer the title into my name and therefore have been unable to sell or trade in my car for several years. Hyundai Motor Finance negligence and misconduct has cost me thousands of dollars in travel to XXXX  from Texas as well as maintenance on my car that I can not sell or trade in.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (HI)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

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 three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-05-16
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. (IN)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX ACCT # : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your investigation and corrections. 

Your Cooperation and prompt attention are greatly appreciated.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX SSN : XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date XX/XX/XXXX To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX 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  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate phone numbers : ( XXXX ) XXXX Phone Number XXXX XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my
Consumer complaint received 2024-04-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

I was defrauded by unknown persons operating through the unlicensed financial brokerage platform wap.virtuap.vip, which solicited me to invest a substantial amount of money. All payments were made in way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker. All transfers were made through my wallet hosted by Coinbase. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind wap.virtuap.vip. After transferring to the Merchants address, the cryptocurrency was cashed out with a Coinbase-controlled cash- out wallet. Based upon the understanding that Coinbase is acting compliant and will provide the due care towards its own wallet holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a relevant request for provision of information to Coinbase. Unfortunately, as of the date of ISSUE Other service problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes DID YOU REQUEST INFORMATION FROM THE COMPANY? 
Yes WHAT INFORMATION DID YOU REQUEST? 
Information they should have collected according to the travel rule requirement ( information about the entity hosting the beneficiary wallet ( s ) and/or information about the beneficiary wallet ( s ) holder ( s ) ) DID THE COMPANY PROVIDE THIS INFORMATION?

No Edit this section Edit this section What would be a fair resolution to this issue?

COINBASE should either disclose the requested information about my outgoing transactions and cash-out-wallets holders, or COINBASE should be seen liable for the damages occurred to me and should pay me feasible compensation. See attached letter of demand to COINBASE for further details.

1 attachment View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within 2 minutes of upload.

this complaint, Coinbase has provided neither me nor my legal representatives with the requested information even though we have sent several follow-ups. By ignoring my request, Coinbase failed to provide the required information about the VASPs hosting the beneficiary wallets, where I have made a series of transactions to, Coinbase does not refer to specific legal grounds, which justify their decision not to provide the required information. In my opinion, the lack of response from Coinbase represents a clear example of the mistreatment of my consumer rights as a consumer.
Consumer complaint received 2023-04-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: PREFERRED CREDIT INC (TX)

a week ago ( XX/XX/2023 ) a XXXX salesperson came to my house and i politely declined at the door but was basically forced in to letting her in to give me a demo. i told her i had to go to XXXX and she told me " i'll be done before XXXX closes '' she was at my home for FIVE hours. i told her i wasn't interested because i couldnt afford it due to me being a XXXX XXXX XXXX taking care of my XXXX XXXX XXXX brother. she insisted and would not take no for an answer, i was scared for me safety as she was in my home and then called her boss into my home as well. she told me her boss could get me a lower down payment of {$21.00} and brought him into to quote me and give me paper work. i continuously said no but i eventually gave in because she told me i had 30 days to cancel and return and she was growing more impatient and agitated. my mom was XXXX they ran my credit and i told her i was planning on canceling. i call today and they tell me i only had 3 DAYS to cancel my contract. its been a week. i cant afford {$79.00} a month, i dont have a job and if i dont pay them my credit score is XXXX she scammed and manipulate me into not only taking out a line of credit but getting this stupid vacuum! i really cant afford this and no one is helping or answering the phone
Consumer complaint received 2024-09-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Self Financial Inc. (NY)

I opened a secure loan with the company, I pay monthly and the company report it to the credit bureau as a loan and at the end of the loan the company should give me back the money I paid and subtract the fees as written in the agreement, now the loan end and I cant get my money that I was paying them. I also have a credit card with the same company that has a balance and the company is charging me for the balance I owe on the credit card but they are not giving me the secured loan payout so I can pay the credit card to not get hit with a fee.
Consumer complaint received 2024-04-23
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.