davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

To Whom It May Concern : 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.l 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. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to paid as agreed and current. 
4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
5. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX  Date of inquiry : XX/XX/year> Delete this account. 
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX Date of inquiry : XX/XX/year> Delete this account. 
9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX  Date of inquiry : XX/XX/year> Delete this account. 
10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX  Date of inquiry : XX/XX/year> Delete this account. 
11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/year> Delete this account. 
12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER CBNA Date of inquiry : XX/XX/year> Delete this account. 
XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF XXXX XXXX  Date of inquiry : XX/XX/year> Delete this account. 
14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX  Date of inquiry : XX/XX/year> Delete this account. 
15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX Date of inquiry : XX/XX/year> Delete this account.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MA)

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 2024-05-06
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. (OH)

I XXXX XXXX, hereby assert my rights as an individual and consumer, as recognized by the FDCPA and FCRA. My personal privacy, safeguarded by Title 15 U.S.C 1681 ( a ) ( 4 ), has been consistently breached. It's essential to highlight that I have never granted written authorization, as stipulated in Title 15 U.S.C 1681 b ( 2 ), for these transactions to be publicly disclosed. 
Furthermore, my credit card ( XXXX XXXX  XXXX ), defined in Title 15 U.S.C 1602, has been utilized without my explicit written consent. As outlined in Title 15 U.S.C 1681s, the duty to implement administrative measures falls upon your organization. I wish to bring to your attention the responsibility of the involved entities XXXX, XXXX, and Experian, as indicated in Title 15 1681 2 ( b ) for their lack of due diligence in maintaining accurate data. The presence of erroneous information on my consumer report, with a data breach has led me to file an identity theft report. 
I emphasize that, pursuant to 15 U.S.C 1681 c-2 ( e ), these inaccurate accounts must be removed within 4 days of filing the identity theft report, not the usual 30 days. It's important to note that the unauthorized utilization of my credit card, in violation of Title 15 U.S.C 1602, does not confer any benefit upon me, the consumer, in accordance with Title 15 U.S.C 1681s.

I extend my gratitude for your assistance in upholding Federal Law during this recent revelation. This letter serves as an urgent request for the prompt elimination of the subsequent accounts from my credit report : XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2024-06-17
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX. This account is paid off and the lien has been satisfied. The account status and balance showing on my credit report is not correct. Please update the status and balance of this account on my credit report.
Consumer complaint received 2024-06-25
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: MUTUAL OF OMAHA MORTGAGE, LLC (PA)

Applied for a reverse mortage with Mutual of Omaha this spring and first was told appraisel would be XXXX $ got first letter stating now it will be XXXX $ .Then was told by XXXX XXXX that the underwriter has a list of request that seemed very unfair we have great credit and never had issues like this before .Then XXXX XXXX informed me that the underwriter is XXXX and i feel that the underwriter XXXX XXXXXXXX XXXX XXXX investgated me and possibly looked into my XXXX posts and seen that I dont beleive in that type of acctivity and possibly made it very ulikely that i could secure the loan I did return request that they asked for and when I tried to call to see whats going on with my loan no responce .I deeply feel discrimanated against .I have purchased large loans in my past with no know issues thank you XXXX XXXX
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

I was in the process of buying a house then i checked my credit report with the lender to then realize that there is a substantial amount of derogatory errors that are damaging my credit profile. It has been over thirty days with no response from either of the bureaus after disputing. Someone has used my identity to take out multiple credit cards, Auto loans, phone lines, and housing. These accounts have either closed or went to collections. I have tried to dispute these items, along with multiple addresses and phone numbers that are not associated with me but yet no action. I have lived at the same address in the same town for many years and have had the same phone number since 2010. I have no prior knowledge of these accounts prior to trying to get a mortgage. I have not received any phone calls or written documents for any of these delinquencies. According to 15 U.S.C. 1681, there shall not be any damages on my report, it is a deformation to my character. 

XXXX XXXX XXXX Closed {$0.00} XXXX Closed {$910.00} XXXX XXXX 
Closed {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates : XX/XX/2023 and XX/XX/2023. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action!
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion continues to violate my financial rights by tweaking an account past statue of limitation so many times that they are making me and this Federal Bureau Site believe that they are conducting an investigation and yet they are not. A mortgage account opened in XXXX was closed in XXXX and a new account was opened with a completely separate and new bank with totally different numbers and terms, yet the accounts are mixed and confusing in one. 

account in question appears with Transunion as : XXXX XXXX XXXX Mortgage # XXXX ... 

These two accounts, having never been properly separated and distinguished by Transunion as two different entities, remain displayed as one account. This is damaging to my credit repeort because of the fact that the OLD account contains negative information which is past the statues of ALL LEGAL limitations as well as FCRA law for appearing on my credit report. Yet, because the account was never properly separated by Transunion, XXXX XXXX or XXXX XXXX the account continues to show up as ONE ADVERSE ACCOUNT. IT IS NOT! 

I have raised this concern with the other bureaus and the issue was promptly repaired. Transunion understood the same situation had occurred with another XXXX XXXX mortgage account and that was promptly deleted, thankfully, and yet this one continues to disrupt my financial status and credit repeort. 

I have NEVER been late, not in the last 8 years, so the account which appears combined is contradicting that fact about me and is required to be deleted. 

I am about ready to sue this agency in small claims if they dont completely delete it because I have done everything in my personal power to be patient and give them ample time to investigate and delete and yet all they have thus done is delete a few months ' history here and there and that has been the extent of their miserable service to me as a financial consumer. 

I would like to also know If I may completely ban Transunion form possessing my information because it is apparent that they are completely irresponsible and careless of consumer protective guidelines, FCRA Law, FHA Law and also Federal Laws. I dont want a company like Transunion having the right to harbor my information if this is the type of company that they are. They are 1000 % disregarding my complaints and refusing to delete an account that is riddled with discrepancies, mixed information, old information and false information!
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/2024 and XX/XX/2024, I have logged into the Transunion site to file a complaint to attempt to have a collections claim that has caused me financial harm removed from my account. 

On both days the Transunion site can not produce my history and I can not open a claim. I attempted to contact their technical services to report the site failure, but they do not have an email address or a site page dedicated to reporting web services failures. I attempted to report the web services failure via the chat bubble, but the chat bubble AI does not know how to handle that type of request. 

I attempted to locate the mailing address to mail in the complaint, and while the site states you can mail in the complaint, they do not provide the mailing address. 

Until I can file a complaint, I will continue to be harmed financially by the collection report on my account. The specific harm I have incurred has been an APR rate increase on a credit card that I have held for 16 years. Transunion is the credit bureau that was accessed to be used to determine my credit score. Generally, my score is XXXX. I was informed by the credit card company that my score was XXXX. I closed the account with the credit card company. I have been told closing an account will negatively affect my credit score.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXXXXXX Balance : {$970.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2023-06-19
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Enterprise Systems, Inc. (PA)

I received a written communication dated XX/XX/2023 from National Enterprise Systems, regarding an alleged debt I have no knowledge of. It contained verbiage, logos, symbols, and statements identifying them as a debt collector attempting to collect from me. As a consumer, I have never contracted with this company or any affiliates. Pursuant to 15 USC 1692k, National Enterprise Systems is now civilly liable for its abusive and deceptive practices by identifying itself as a debt collector attempting to collect from me, a federally protected consumer. I demand National Enterprise Systems cease and desist with all communication, collection attempts, and adverse reporting. Any further attempts will be considered a direct violation of all applicable federal laws. The notice I received constitutes harassment. As a consumer, I have not now or ever authorized or extended my credit to them. Do not attempt to continually furnish any information on my behalf guised as a collection account. I have never given this company or affiliates a permissible purpose to do so. This company is also in violation of 15 USC 1692e by making false and misleading representations. I am demanding National Enterprise Systems provide an original contract with my signature, offer, and acceptance. Copies will not suffice. Any continuance or disregard of this notice will be deemed as a direct violation of federal law, as I am a federally protected consumer.
Consumer complaint received 2024-06-17
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)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-09-10
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. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such 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 delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : DEPTEDXXXX Account Number : XXXX Inquiries XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2023-04-12
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. (LA)

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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 instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NY)

We stipulated a conventional loan to buy a first home on XX/XX/XXXX. In XX/XX/XXXXXXXX XXXX  the bank communicated that we didn't have home owner insurance and we had to purchase one. We did that immediately and for the present and the future we are all set. Nevertheless in XX/XX/XXXX they communicated to us that we owe them {$7200.00} retroactively because we didn't have home owner insurance. Between XXXX and XXXX there have been several communications ( written and over the phone ) with the customer service but all they were all confusing and often contradicting. The Interest Rate Lock Commitment of the loan ( signed by both parties ) states that home owner insurance was mandatory to stipulate the loan itself but at closing the loan officer didn't ask for that. 
If we don't take any action starting XXXX they will collect together with the loan payment an additional {$600.00} monthly from our bank account for 12 months ( to collect the {$7200.00} in full ).
Consumer complaint received 2024-05-06
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. (LA)

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 2023-04-12
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance {$24000.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/ Balance {$4300.00}, XXXX XXXX Date opened XX/XX/ Balance {$10000.00}, XXXX XXXX Date opened XX/XX/ Balance {$30000.00}, XXXX XXXX Date opened XX/XX/ Balance {$5700.00}, XXXX XXXX XXXX opened XX/XX/ Balance {$5000.00}, XXXX XXXX Date opened XX/XX/ Balance {$7300.00}, and XXXX XXXX XXXXXXXX XXXX opened XX/XX/ Balance {$72000.00}, Please remove ASAP.