davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have sent a dispute letter to Transunion on XXXX and didn't receive any response. I am deeply concerned about the numerous inconsistencies found on my credit report. I've noticed a few inconsistencies that need to be fixed right away. Below is a detailed description of the particular errors in question : Under Personal Information, My Name is reporting wrong. Correct as soon as you get this. Date of birth is not the same for the other bureaus. Correct all errors. Current address is reporting wrong. Correct all errors. Previous address is reporting wrong. Please do your investigation. The Employee information is wrong. The FTC says that you have to investigate. Im asking you to do that. I have provided my social security number and proof of address to further fix this issue. My name is XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Under Accounts, XXXX XXXX XXXX  : XXXX, Reported account does not match the reported accounts from the other bureaus. Remove the damaging accounts from my credit report. 
XXXX XXXX XXXX : XXXX, The information on my report was either inaccurate or could not be re-verified. Requesting that the error should be deleted and send an accurate report. 
XXXX : XXXX, Fair Credit Reporting Act says you must investigate inaccurate information and this account is inaccurate. Please delete the error on my report promptly. 
XXXX XXXX XXXX : XXXX, Other bureaus are reporting the same data differently, and I want to know who is reporting correctly. Request that you delete this information immediately. XXXX XXXX : XXXX, CFPB states that you must investigate inaccurate accounts, and this account is inaccurate. This item MUST be DELETED under the law. XXXX XXXX  XXXX : XXXX, It appears that this account has issues that needs to be fixed. Respectfully request to provide me with competent evidence that you are reporting this account correctly. If not delete it. 
XXXX  : XXXX, It appears that this account has problems, and it needs to be addressed. Demand this item to be DELETED from my credit report ASAP. XXXX XXXX : XXXX, XXXX demanding a deep investigation into this account due to its inaccuracies. The item must be DELETED IMMEDIATELY. XXXX  : XXXX, Please investigate this inaccurate and misleading account today. Please respond immediately, do your investigation, and remove the inaccurate account so that I do not need to pursue my legal rights under The Fair Credit Reporting ACT.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

In the month of XX/XX/2023, The company XXXX XXXX XXXX combined my student loans together. Previously, there were 3 accounts that emerged into one account held by XXXX. By doing so the major credit bureaus : XXXX, Equifax and XXXX XXXX dropped my score stating that my loans increased. The amount never changed only the number of accounts. This transaction has dropped my FICO score tremendously.
Consumer complaint received 2024-07-12
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. (KS)

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 XXXX  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 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (NJ)

On XX/XX/XXXX, The credit bureaus stated the reported the information has certified to XXXX that the information is accurate. See below. 

Collection Account Number : XXXX Company : I.C. SYSTEM, INC and Account Name : XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$460.00} The information is inaccurate from both of these accounts. I never opened the XXXX XXXXXXXX card in XXXX. This is a fraudulent account. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have not given this account written permission to furnish this account on my credit report.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (GA)

The following companies are reporting me XXXX XXXX XXXX XXXX XXXX Main XXXX XXXX XXXXXXXX XXXX XXXX  Under the doctrine of estoopel by silence, XXXX XXXX XXXX ( mo ) 281 sw 715, 719, I may presume that no proof of the above alleged debt, nor therefore any such debt, in fact exists
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Capio Partners, LLC (TX)

According to 15 USC 1692g I never received any communication about this unauthorized collection and according to law it must be removed immediately. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
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)

My name is XXXX XXXX XXXX, and this is not a third party filing this complaint. After reviewing my consumer report I have notice several instances and fraudulent inquiries. I respectfully ask if this items can be removed because they are either inaccurate and or fraudulent. Thank you.
Consumer complaint received 2024-06-21
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: CCM Finance LLC (TX)

There was a vehicle purchased in my name that I did not purchase. The vehicle listed was a XXXX XXXX XXXX. I have never owned or rented that type of vehicle. My identity was stolen and now there are derogatory marks on my credit.
Consumer complaint received 2023-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

PHH Mortgage currently requires 75 % equity for PMI removal, requiring you to use their appraisers, and charge a fee. 5 % more equity than is required and using their company does not appear to be fair business practice. Their appraisal came in {$20000.00} lower than my personal appraisal through my bank, and put me at 74.99 % equity, denying my PMI removal. PHH purchased my loan from my original lender ( that had an 80 % requirement ). I believe they are purchasing these PMI loans in a predatory way, then charging additional fees for removal, and prolonging that process intentionally to make additional revenue. This practice allows them to make tens of extra thousands of dollars on consumers such as myself. I have never missed a payment, I owe {$300000.00} on a {$420000.00} home. I work in the insurance industry and this is clearly unfair insuring practice. 
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

I am writing to express my profound dissatisfaction with XXXX and its executive team as well as Jefferson Capital Systems regarding a serious issue that has recently come to my attention. 

In 2014, I reached out to the executive team at XXXX, telecommunications company, to escalate to them fraudulent charges by XXXX and complete dissatisfaction with their customer service which constantly inflated and misrepresented my monthly bills. I requested the executive team at XXXX to get involved, reverse the fraudulent charges by XXXX customer service and made a decision to close my account as a result of these types of issues on a monthly basis. XXXX 's executive team intervened, reversed the inflated charges, and assured me the account was closed with a XXXX balance. 

However, upon reviewing my recent XXXX credit report, I was shocked to see a reference to XXXX by Jefferson Capital Systems, a third-party agency I know nothing about. It appears that not only does XXXX tend to inflate monthly charges, but their customer service can't even close the account correctly. Additionally, XXXX transmitted my social security number to Jefferson Capital Systems, resulting in a negative entry related to XXXX on my credit report. This is outrageous and is very scary. 

First, I am deeply disappointed with the mishandling of my account closure. 
Second, I am outraged that my personal information was shared with a third-party agency without my consent. Both XXXX and Jefferson Capital Systems should be fined for my data bridge - I do not want my social security card number to be share with everyone in the world without my permission! 

I urge your team to resolve this matter promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a correction to the three major credit bureaus on line. TransUnion claimed I used incorrect email. Could not find correct email on line Called and answered all their questions and was disconnected. Called back and could no connect
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (FL)

Dear, AMERICAN EXPRESS This letter is being sent to you in response to : Response to a listing on my Credit Report.

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following XXXX, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, Autograph By : XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NC)

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXX XXXX XXXX But I am not getting any response or completion of my request. I have also submitted the Innovis Credit Report Request Online form and NO SUCCESS. 
"
Consumer complaint received 2024-06-21
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Zions Debt Holdings (OH)

Zion Debt HOLDINGS called my twin sister who and I have similar first middle, and last names respectively, representative never identified self. Only mentioned, collecting debt for XXXXAnd hung up before she could ask the representative questions. Two months later, this Zion Debt HOLDINGS was in my XXXX credit reporting decreased my credit score significantly. I do not never open an with XXXX. They are trying to collect a debt that I do not owe.
Consumer complaint received 2024-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc. (TX)

A third-party agency, Unifin, contacted me regarding a debt from XXXX XXXX XXXX I requested validation of the debt, but instead of providing it, they offered a settlement of {$170.00} and promised to delete the account from my credit report if I settled immediately. I agreed and paid the settlement on XX/XX/year> to ensure the account would no longer be reported as a collection. However, despite my payment, XXXX XXXX continues to report this account as a collection on my credit report
Consumer complaint received 2024-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (TX)

A third-party agency, XXXX, contacted me regarding a debt from Jefferson Capital . I requested validation of the debt, but instead of providing it, they offered a settlement of {$170.00} and promised to delete the account from my credit report if I settled immediately. I agreed and paid the settlement on XX/XX/year> to ensure the account would no longer be reported as a collection. However, despite my payment, Jefferson Capital continues to report this account as a collection on my credit report
Consumer complaint received 2024-07-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion response to consumer complaint # XXXX did not include the steps they took, or will take, to address your complaint. 
TransUnion is actively and purposely engaging in an evasive and stalling tactic requesting information about what the consumer 's complaint is about. TransUnion is well aware of the purpose of my complaint and their FCRA consumer reporting violation. I, the consumer have submitted my complaint at their website where a have a vetted verified account without a resolve. TransUnion failure to resolve this issue is what has led to the CFPB filed complaint. The most previous CFPB filed complain concerning this matter was filed on XX/XX/2024 Complaint # XXXXwith no resolve. TransUnion must according to FCRA consumer reporting remove any and all incorrect information from the consumers ' credit file including all past history of such incorrect information. Furthermore, TransUnion has exceeded 90 days to clear this matter up.
Consumer complaint received 2024-04-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have a mental XXXX that makes me get incredibly verbally angry at people in stressful situations, and I repeatedly told Capital One of this throughout the reposession. They retaliated against me for cussing out the local tow company whom has damaged and stolen a lot of property from people from what I can tell. I told them not to take anything off the car or in the car or I'd kill them. Obviously the tow company ( XXXX  XXXX  ) had intent to steal parts or belongings because they perceived that as a threat, which is very concerning. Capital One proceeded to retaliate against me for my XXXX despite being previously informed of exactly what it is and exactly what it causes. Because of this interaction with the tow company, the {$1700.00} I was quoted to get my car and reinstate was changed to {$10000.00}. I told them I couldn't pay that, if I can't pay the {$1700.00} I might literally have to kill myself because I would be completely destitute without my car currently. When I proceeded to explain all of the above to them, they rotated me for hours to different departments ( XXXX different reps in 2 days of calls ) and proceeded to antagonize and terrorize me in retaliation for my XXXX and called a XXXX  check on me that was wholly unwelcome after having me speak to someone in the " Office of the President '' who was going to have a " case manager '' call me back. I have not had issues with Capital One up until this point so I am not sure why all of their phone representatives and the company itself has suddenly decided to be so morally bankrupt. I just want to reinstate and get my car.
Consumer complaint received 2024-05-16
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)

This is an ongoing problem with TransUnion that is owned by XXXX  XXXX XXXX. XXXX  XXXX XXXX continues to allege I owe them a credit card debt but it is XXXX  XXXX XXXX who owes me. TransUnion has repeatedly claimed to have 'verified ' and 'validated ' this debt without showing me one piece of evidence to justify their reporting. " XXXX  XXXX XXXX said so ''. is their response. This is not acceptable and violates many areas of the FCRA.
Consumer complaint received 2023-12-28
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. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TrueAccord Corp. (KS)

15 USC 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.

Not to mention the inaccurate information thats lowering my credit score!

Payment history is terrible invalid