davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HF Holdings (NJ)

During pandemic we couldnt keep up with rent and the landlord evict me, wife and XXXX kids because we owed XXXX months on prime pandemic. He had us in court but XXXX told him he had no case because we was not on apartment anymore. He saw me XXXX week ago with my vehicle and now am recieving calls from a debt collector telling me that if I dont answer in 24 hrs my credit and my wife credit will be damage. He told me that he nows I have a new vehicle and assets the will be taken away.
Consumer complaint received 2023-05-04
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. (GA)

According to USC 1681g, I request that you delete these fraudulent accounts from my credit report within 15 days as they are not mine and I have no knowledge or authorization of them.
Consumer complaint received 2024-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. Please take a look at the attached letters and ID docs for verification. The stuff on my credit report is wrong.
Consumer complaint received 2024-05-14
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. (MA)

On XX/XX/XXXX I mailed a copy of the FTC Identity theft report, A notarized affidavit of the identity theft, copy of credit report highlighting fraudulent accounts, copies of the FCRA 605 b laws, Personal letter, application for a fraud alert and all the required identification requested from the CRA. Packaged everything up and sent it Certified mail with signature and return receipt. I will upload all documents sent. The documents describe accounts and amounts with dates etc. The fraudulent accounts were never blocked as per law states and the CRA never replied to me on the status.
Consumer complaint received 2024-07-25
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: Self Financial Inc. (NY)

I disputed this with the credit bureaus XXXX XXXX and XXXX I asked them to re investigate the completeness and accuracy of my account on my credit report I got my investigation back and i noticed they didn't update or modify my account
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (FL)

I reviewed my Consumer Reports and noticed that I had 4 late payments 15 student loans on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for these accounts : Dept of Ed/XXXX : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (PA)

I'VE DISPUTED THIS INFORMATION MULTIPLETIMES AND NOTIFIED YOUR COMPANY THAT I AM A VICTIM OF IDENTITY THEFT AND THIS INFORMATION IS IN RESULT OF THAT, XXXX  XXXX # XXXX AND XXXX # XXXX. YOUR COMPANY IS IN VIOLATION OF 15 U.S.CODE 1681C-2. A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE CONSUMER FILE THAT THE CONSUMER IDENTIFIES THE INFORMATION AS RESULT FROM ALLEGED IDENTITY THEFT. IT HAS XXXX MORE THAN 30 DAYS AND THIS INFORMATION REMAINS UNCHANGED. THESE ACCOUNTS SHOULD NOT BE REPORTED ON MY CONSUMER REPORT AS THEY'RE A DIRECT VIOLATION. UNDER 15 U.S CODE 1681B- PERMISSIBLE PURPOSES OF CONSUMER REPORTS ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ) ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTION OF THE CONSUMER WHO IT RELATES. I HAVE NEVER GAVE ANY CONSENT TO REPORT ANY INFORMATION ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER. NO CONSENT IS IDENTITY THEFT. NOT ONLY DID YOUR COMPANY REPORT INFORMATION BUT YOU'VE REPORTED INACCURATELY, UNTRUE, AND INCORRECTLY. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED.
Consumer complaint received 2024-09-04
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. (AL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud. 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 
Please delete the following accounts : XXXX XXXX XXXX {$2100.00} XXXX XXXX {$420.00}
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (FL)

Equifax, 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. 

Please see attached complaint.
Consumer complaint received 2023-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MI)

I have a current 20 year fixed rate mortgage with Rocket loans at 3.125 %. XXXX XXXX XXXX ID # XXXX called me on XX/XX/23 on a recorded call stating there was an opportunity for me to save money on my mortgage with them. I stated what my current rate and term was and that I did not believe he could save me on interest cost, as rates are currently much higher. He stated he had many ways to do this. One example he used was for me to refinance into a 30 year fixed rate at 6 % and then pay it off in 10 years. He said this would make my effective rate 2 % since it was paid in a third of the time. This is an outright lie. I tried to explain to him this is incorrect and that I work in financial planning, so I know how this works. He insisted he was correct and I further warned him this was an untrue and highly deceptive sales tactic. He became argumentative so I asked for a manager to file a complaint. He indicated no one was available and that I would receive a call the next morning. I did not receive a call.

My complaint is to bring light to the deceptive and untrue sales tactics that Rocket mortgage is using. This could cause major harm to a consumer who may not completely understand how interest cost is accrued. I previously worked in home lending for over 20 years and this was the worst display I have ever witnessed. In addition, I do not believe XXXX provided his NMLS ID when he called, which is a violation if I am not mistaken.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (IA)

Dear CFPB, XXXX, Equifax and XXXX all allegedly claim that they have gone through a thorough investigation on my dispute. My dispute have nothing to do with anything being allegedly accurate .My dispute is that these three companies are forging my signature and publishing my personal information without my written signature.I have never agreed for these companies or for XXXX Equifax and XXXX to be doing business upon my name with each other .This is fraud between everyone and i would like for everything to be removed ASAP
Consumer complaint received 2023-05-04
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. (PA)

I'VE DISPUTED THIS INFORMATION MULTIPLETIMES AND NOTIFIED YOUR COMPANY THAT I AM A VICTIM OF IDENTITY THEFT AND THIS INFORMATION IS IN RESULT OF THAT, XXXX  XXXX # XXXX AND XXXX # XXXX. YOUR COMPANY IS IN VIOLATION OF 15 U.S.CODE 1681C-2. A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE CONSUMER FILE THAT THE CONSUMER IDENTIFIES THE INFORMATION AS RESULT FROM ALLEGED IDENTITY THEFT. IT HAS XXXX MORE THAN 30 DAYS AND THIS INFORMATION REMAINS UNCHANGED. THESE ACCOUNTS SHOULD NOT BE REPORTED ON MY CONSUMER REPORT AS THEY'RE A DIRECT VIOLATION. UNDER 15 U.S CODE 1681B- PERMISSIBLE PURPOSES OF CONSUMER REPORTS ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ) ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTION OF THE CONSUMER WHO IT RELATES. I HAVE NEVER GAVE ANY CONSENT TO REPORT ANY INFORMATION ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER. NO CONSENT IS IDENTITY THEFT. NOT ONLY DID YOUR COMPANY REPORT INFORMATION BUT YOU'VE REPORTED INACCURATELY, UNTRUE, AND INCORRECTLY. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-04
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. (NY)

XXXXXXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance Companies - non specific Contact info Address XXXX XXXX XXXX XXXX XXXX, DEXXXX  Phone number ( XXXX ) XXXXXXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UTXXXX Phone number ( XXXX ) XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Tenant Screeners ( Reseller ) Contact info Address XXXX XXXX XXXX XXXX, NJXXXX Phone number ( XXXX ) XXXX BELOW IS A LIST OF INACCURATE ADDRESSES ON MY CREDIT REPORT THAT MUST BE REMOVED ALSO DUE TO IDENTITY THEFT!!!!!! 

XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 15 U.S. CODE 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft.not later than 4 business days after the receipt. 
ACCORDING TO THE " FAIR CARES ACT '' YOU ARE VIOLATING MY RIGHTS AS A PROTECTED FEDERAL CONSUMER
Consumer complaint received 2024-05-14
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. (CA)

Trans Union, XXXX, XXXX had fail to verify accurate information on my credit report I was told today by a supervisor shayeer Decy that trans union dont investigate accurate information the Information given to them by the person is actually their truth without thoroughly investigating as a vital role in assembling and evaluating. which is a violation to my right to privacy. I never consent for anything to be reported to my credit profile not to the credit agency or the creditor. You must respect my right to privacy. When does company policy ever trump federal law. Because no consent equal to identity theft. 


Under 15 USC 1682a, you are required to conduct a reasonable investigation within 30 days of receiving a dispute from a consumer. I expect a prompt response and resolution to this matter in accordance with the law.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to file a formal complaint against XXXX XXXX concerning their failure to report my loan payment history as per their policy. My name is XXXX XXXX, and I am a customer of Credit Strong. My account number with XXXX XXXX is XXXX. 

According to the terms and conditions agreed upon at the initiation of my loan with XXXX XXXX, the company is obligated to report my loan status and payment history to the credit bureaus temporarily. However, despite adhering to the payment schedule and meeting all requirements, my loan history has not been updated or reported by XXXX XXXX. 

This lack of reporting is adversely affecting my credit profile, as my payment history is a crucial component of my creditworthiness. I have made numerous attempts to contact XXXX XXXX to resolve this issue, but there has been no satisfactory resolution. 

I kindly request the Consumer Financial Protection Bureau to intervene and assist in ensuring that XXXX XXXX fulfills its contractual obligation to report my loan payment history accurately and promptly. 

Thank you for your assistance in this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX and XX/XX/XXXX I sent a letter as well as documents for a verification and validation ( from the courts ) for errors listed on my credit report only to have them " verified ''. I myself have written the courts and received nothing. I requested from the credit reporting agency and again not received anything. 
I now am writing to formally lodge a complaint against the major credit bureaus ( Equifax, XXXX, and XXXX ) for their continued listing of a bankruptcy on my credit report without providing any supporting documentation. Despite my repeated requests for verification and documentation, the credit bureaus have failed to comply, causing significant financial distress. 
I have contacted each credit bureau XXXX XXXX requesting verification and documentation of the bankruptcy listed on my credit report. 
Despite my efforts, the credit bureaus have not provided any documentation to support the continued listing of the bankruptcy. 
The inaccurate listing of this bankruptcy has severely impacted my credit score and financial well-being, causing me undue hardship. 
The Impact on Financial Well-being The continued listing of this bankruptcy has resulted in : Denial of credit applications Higher interest rates on loans and credit cards Emotional and financial stress I request the CFPB to investigate this matter and take appropriate action to ensure that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) by either providing the necessary documentation or removing the inaccurate bankruptcy information from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I previously submitted this complaint with CFPB and the company replied that the account was verified as accurate. 

Well this complaint proves how the Experians so-called investigation WAS NOT investigated properly. 

The public record item XXXX XXXX XXXX XXXX XXXX on my credit file contains the following errors : 1. The court name is not listed correctly XXXX XXXX XXXX XXXX XXXX XXXX is not an actual court name ) 2. The case number is inaccurate ( # XXXX is not accurate. My case has no letters ) 3. Dates shown are inaccurate ( XX/XX/2016 is not the correct date ) These are multiple errors/violations and a copy of my actual Bankruptcy document with the CORRECT INFORMATION is attached to prove these inaccuracies.
Consumer complaint received 2024-05-14
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. (IL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (FL)

One Main Financial made hard inquiries on my consumer report with no specified reason on XXXX & XXXX. Did I give them permission? Absolutely, not! This is Aggravated Identity Theft pursuant to XXXX XXXX. One Main Financial transferred, possessed, or used, without lawful authority, a means of identification me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.