davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
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: GOLDEN 1 CREDIT UNION, THE (CA)

On XX/XX/XXXX I went to purchase a car and during the negotiation of the car they asked to run my credit, I asked how many times they were going to run my credit which will result in a hard pull on my credit report, they told me that they were going to only do one hard pull on my credit. When I check my credit report I see that I have two credit inquires from XXXX XXXX and XXXX XXXX XXXX XXXX in which I did not authorize since I was told that the hard pull that they told me about would be for another bank.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I looked at my credit report XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. In according to the fair credit report act everything must be 100 % accurate on my credit report. 

The Credit Bureaus states my account was properly investigation but how is that possible if open dates are inaccurate, the date last active is inaccurate, and the dates last reported is inaccurate these grounds for removal they also violated my rights. 

15 U.S.C 1681 section 604 A I have the right to privacy.

15 U.S.C 1681 section 604 A sections 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 


I sent a letter out on XX/XX/year>, XX/XX/year> XX/XX/year> to XXXX, Transunion, and XXXX. I have copies of all Letters. However, its been more than 30 days and the credit bureaus failed to send me my investigation back. This does not make any sense. According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and consumer notifies the AGENCY directly or indirectly through a reseller, of such status the dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or deleted the item from the file in accordance with paragraph ( 5 ), before the end of the 30-days period beginning on the date on which the agency receives the notification of the dispute from the consumers or resellers
Consumer complaint received 2024-04-29
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: Experian Information Solutions Inc. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-06-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Client Services, Inc. (MD)

Certified Letter of Intent to Dispute the Debt sent to Debt Collector on XX/XX/year> via certified mail # XXXX XXXX XXXX XXXX XXXX Notice to all, I am that I am, the consumer in fact, natural person, living breathing woman, affiant, declare that I am of majority and competent to state the matters set forth herein with firsthand knowledge of the facts, I have been appointed and accept being the executor both public and private for all matters proceeding and I hereby claim that I will be d/b/a/ XXXX consumer and autograph as the agent. attorney in fact, STATEMENT of FACTS The Fact that Affiant, is aware and has proof that Client Services , Inc.. In accordance with the Fair Reporting Act this creditor is in violation of 15 U. S. code 1692 C-Communications in connection with Debt Collections, Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The Fact that Affiant, is aware and has proof that Client Services Inc In accordance with the Fair Reporting Act this creditor is in violation of 15 U. S. code 1692g-Validation of Debt- ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( b ) Disputed debts-If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

XXXX. I, XXXX  the consumer is disputing this debt, Client Services LLC. You should not REPORT THIS DEBT to the CREDIT REPORTING AGENCIES ( XXXX, XXXX, XXXX ). If you have already reported it, please contact the credit reporting agencies within 10 days of receipt of this notice, inform them that the debt is disputed, and ask them to DELETE the credit reporting. { please provide a written correspondent regarding VALIDATION of DELETION from credit reports. 

Thank you for your attention to this matter. 

XXXX-Consumer
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to follow up on my previous complaint regarding the mishandling of my credit dispute by the credit bureau. Despite submitting a formal complaint a month ago, I have not received any resolution or substantive response. After my initial dispute was inadequately addressed, I filed a second dispute with the bureau. According to the Fair Credit Reporting Act ( FCRA ), the bureau is required to inform the furnisher of the disputed information and provide them with all relevant documentation. This legal obligation has not been fulfilled, as the furnisher continues to report the inaccurate information without any verification or correction. 

In my previous complaint, I specifically requested identifying information and supporting documentation to justify why the disputed items are still being reported. To date, I have received no such documentation or any satisfactory explanation. 

The continued reporting of inaccurate information on my credit report is causing me significant distress and harm. 

I demand that the credit bureau take action on the following items immediately. 

XXXX  : Account number : XXXX, To the best of my knowledge, this account has never been paid late. Please look into this late payment and ensure that it is updated as paid. 

XXXX  : Account number : XXXX, To the best of my knowledge, this account has never been paid late. Please look into this late payment and ensure that it is updated as paid. 

XXXX  : Account number : XXXX, To the best of my knowledge, this account has never been paid late. Please look into this late payment and ensure that it is updated as paid. 

XXXX XXXX  : Account number : XXXX, To the best of my knowledge, this account has never been paid late. Please look into this late payment and ensure that it is updated as paid.
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX  4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 2024-06-12
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: CREDIT ACCEPTANCE CORPORATION (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-05-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I mailed my dispute off to TransUnion on XXXX  They received my letter on XX/XX/ certified mail, return receipt included. It is now XX/XX/2023 and Transunion has sent me a letter stating they need more time to investigate and that my dispute may not be completed until XXXX The additional information does not pertain to this disputed. You have 15 days to respond with my investigation results.
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: Experian Information Solutions Inc. (FL)

I am so upset about this situation. Ive submitted this complaint 3rd times & CFPB & EXPERIAN XXXX claiming its being submitted by someone other than me or that there is no file on records. Seems like a lot of passing the buck or not accountability. Whatever the reason. Im beyond annoyed. These inquiries are not mine. This matter has been creating an insane amount of emotional & physical distress. My attorney told me I should just sue for violations in FCRA laws. Id prefer to not get litigious. Please see this matter is handled. 
XXXX XXXXXXXX XXXX XXXXnquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XX/XX/
Consumer complaint received 2023-06-03
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. (TN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$190.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$390.00} ; XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (GA)

I would like to file a complaint against Department of education, for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide XXXX disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each XXXX was initially sent to all companies on XX/XX/2024
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have provided all four pieces of information and expect these listed accounts to be deleted and blocked within four business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within 4 business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.
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: Experian Information Solutions Inc. (PA)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (TX)

In XXXX XXXX XXXX, I noticed that my mortgage payment had increased by over {$1000.00}. I called the customer service phone number on my mortgage website ( XXXX ) but the automated service would not allow me to speak to anyone. I called a different number for XXXX, they told me the website number is for residential loans, call back and keep pressing '0 ' until someone answered because they have the same issue. That worked and I was able to figure out that I needed to resolve an issue with my appraisal district removing my homestead. By XX/XX/2024, the issue was fixed and I attempted to get ahold of someone from my mortgage company. This time, no matter how many zeros I pressed, I was unable to reach a representative completely. There was a chat option, they provided me with an email ( XXXX ) to send my updated appraisal documents. During the chat, I was barely able to get responses, they were generally unhelpful. I sent an email XX/XX/XXXX with my loan number in the subject line, my name and address in the email and attached appropriate documents. The automated response was to wait 8 business days but I did not hear back via email. I attempted to call again on XX/XX/XXXX with no luck reaching anyone through the same phone number provided on my mortgage login. I called a different number for XXXX, they told my Mr. Cooper is servicing my loan and they can not help me. A number on the Mr. Cooper residential loan website redirects me back to XXXX. During another chat on XX/XX/XXXX, I was told to email all documents again and include my name in the subject line along with the loan number and wait another 7-10 days. I don't understand how Mr.Cooper/XXXX will not allow me to speak to anyone or answer emails. I need my property taxes to be updated and escrow lowered so that my mortgage payment is manageable, I'm worried about losing my home.