davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-09
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: EQUIFAX, INC. (MD)

I have been notified by my credit reporting company that a hard inquiry was made to XXXX XXXX last week XX/XX/2018. I have not requested any products or services from this company for wireless activity. Please check.
Consumer complaint received 2024-05-11
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-05-11
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. (IL)

XXXX XXXX stated I had 30 day late payment but the money came out of my account on XX/XX/2024 in the amount of {$420.00} my due date is the XXXX of every month. I have proven transactions statement from bank to prove this amount was taken out of my account from XXXX XXXX.
Consumer complaint received 2024-05-11
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. (WA)

There is a negative item reported on my credit report with different names of other persons .And I dont recognize how and why is reporting. This negative item doesnt meet the FCA reporting requirements. Other credit bureaus were able to properly verify this this account and was required to remove the account and how they were able to verify this account and they all have the same info. Delete immediately
Consumer complaint received 2023-09-23
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Finance of America Holdings LLC (MA)

I am having serious issues surrounding my rights after the death of a borrower with my fathers reverse mortgage The property has a reverse mortgage. The mortgage has sold/be assigned multiple times since XXXX. I XXXX XXXX am the trustee, estate representative. 

XX/XX/XXXX I notified Finance of America Reverse of my dads passing. I was informed of the death of a borrower process. I was informed I was allowed up to 12 months to satisfy debt and the extension process was explained. I have a buyer. 

The property is currently under water damage claim/repair that affected half of the 1st floor kitchen and the 2nd bathroom plumbing. This process is being monitored by the reverse mortgage servicer. The foreclosure never should have started but at this point all I was trying to do was get an extension until the monitored repairs are complete and the sale can continue with an appropriate appraisal. 

In XX/XX/XXXX I started getting Foreclosure letters from XXXX XXXX, NO COMMUNICATION from my servicer/lender. 

***I spoke with XXXX XXXX XXXX XXXX XXXX as advised by Finance of America to get assistance. The firm representing the reverse mortgage lender asked me when the last time I made a mortgage payment was? I asked if the lender or HUD was given my death of borrower extension requests, he responded by telling me there is no extension process. ***
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: FinCo Services Inc DBA Current (OR)

My vehicle was broken into and among some of the items that were stolen when was my current prepaid debit card and I was within the cardholder agreement it's terms said if this type of issue arises and you report it in a certain time frame they will give you a charge back credit they denied my dispute I submitted a police report and the last thing I heard from them was they were not going to give me a charge back because I put money on the card which makes no sense you're supposed to put money on the car that's how you can use it please do something this is wrong and has financially set me back more than I care to go into.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting Act under 15 USC 1692 ( G ) I am demanding that my rights be enforced by requesting that these companies provide me and the CFPB for a " Debt Validation Claim '' 1.XXXX  Cred Acct # XXXX 2.XXXX  Acct # XXXX 3 ; XXXX XXXX  Acct # XXXX 4. XXXX XXXX  Acct # XXXX A. Please provide me the original signature that i agreed to on this contract for this creditor. 
B. Please send me a full detailed list of the payment history of these account. 
C. Has there been any Insurance claims filed on this debt ( Please provide ) D. Please provide me the chain of title that you have to collect on this debt.
Consumer complaint received 2024-05-11
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. (TX)

XXXX has not yet fixed my credit report. They havent removed and this account remains on my credit report the credit repair company I hired send them letters and XXXX rejected those letters the account I wanted to be removed is XXXX XXXX .. this company has been sending mail to my mom address I dont live nor I ever applied and use this card. And XXXX XXXX took my disputes rights away from me holding me responsible and I told to issued me a cease and desist and they didnt and kept sending me mail where I dont live anymore and I live in a shelter in California and I will not pay them a dime. My lawyers are contacting them as we speak. I want a investigation to be started on these XXXX charges or this fraudulent account to be removed
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/24 there was a letter sent to transunion asking them to remove incorrect personal info that doesnt belong to me and is reporting to my credit report regarding. I have no knowledge about the information I listed. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

To whom it may concern, I am writing to file a formal complaint against XXXX XXXX XXXX regarding the inaccurate reporting of my account status to credit reporting agencies. Despite adhering to the provisions and protections offered under the CARES Act, XXXX XXXX XXXX has reported my account as " payment past due, '' which has negatively impacted my credit score and overall credit history. 

In XXXX 2023, I experienced financial hardship due to the COVID-19 pandemic. Aware of the provisions under the CARES Act, I reached out to XXXX XXXX XXXX to discuss accommodations for my account. We agreed upon a payment that was not late. 

To further clarify, I have ensured that all my payments were made on time. If there is any report of a late payment, it is erroneous and possibly due to a technical or administrative error on XXXX XXXX XXXX ' part. This is deeply concerning as it not only misrepresents my financial responsibility but also unjustly tarnishes my credit history. 

Under Section 4021 of the CARES Act, if a creditor makes an accommodation to a borrower because of the pandemic and the borrower meets the terms of that accommodation, the creditor is required to report the account as current to the credit reporting agencies. However, despite meeting the terms of our agreement and ensuring timely payments, XXXX XXXX XXXX has reported my account as " payment past due. '' Furthermore, under 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report and request a timely investigation. The inaccurate reporting by XXXX XXXX XXXX not only violates the CARES Act but also my rights under the FCRA. 

This inaccurate reporting has caused undue stress and potential financial harm. The negative mark on my credit report could hinder my ability to secure credit or loans in the future, and it is unjust given that I acted in good faith, adhered to the terms of our agreement, and ensured all payments were made on time. 

I kindly request the following actions : XXXX XXXX XXXX should correct the inaccurate reporting immediately and ensure my account is reported as " current '' to all credit reporting agencies. 
I would like a written confirmation from XXXX XXXX XXXX acknowledging the error and detailing the corrective actions taken. 
Any negative impact on my credit score due to this inaccurate reporting should be rectified. 
In accordance with 15 U.S. Code 1681i, I request a thorough investigation into this matter to ensure the accuracy of my credit report. 
I trust that the CFPB will take this complaint seriously and ensure that XXXX XXXX XXXX adheres to the provisions of both the CARES Act and the FCRA. Consumers like myself rely on the protections offered by such legislation, especially during unprecedented times like these. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-31
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)

Credit reporting agency did not complete a thoughtful and fair investigation of an error I disputed in the past regarding account ending XXXX with XXXX XXXX XXXX XXXX XXXX. 

The credit reporting agency verified this account is reporting accurately. 

I would like it to be known that the credit reporting agency has verified a charge off account is also reporting available credit. 

How is it reasonable and possible for a charged off account is listed as a charge pff and have available credit????? 

I request this account is deleted immediately. 

I also have proof Equifax and XXXX are NOT METRO 2 compliant in reporting this account.
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (MN)

I am writing to address an issue regarding my credit report. It has come to my attention that a number of creditors have accessed my credit report without my permission, or without my knowledge of your company being involved. According to the Fair Credit Reporting Act, creditors have an obligation to provide me with a notice before accessing my credit report or making a decision based on it. 

I would like to emphasize that I did not authorize these companies to access my credit report, and I never given permission for these creditors to be on my credit report or access my credit information. As a result, I kindly request that they be remove any information regarding these companies from my credit report immediately. 

I understand that under the Fair Credit Reporting Act, derogatory information can remain on my credit report for up to seven years. However, in this case, since your company accessed my credit report without my consent or knowledge, I believe it is unjust to have this information on my report. 

I expect prompt action on your part to rectify this situation. Please provide me with written confirmation once the unauthorized information has been removed from my credit report. Additionally, I would appreciate a detailed explanation as to how this unauthorized access occurred and steps taken to prevent such incidents in the future. 


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Consumer complaint received 2023-06-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DFC Global Corp. (FL)

On XX/XX/2023 ; I was told by XXXX XXXX XXXX cashier or account the loan that I paid is not paid. I was told I owe a balance {$800.00} after loan was paid. I attached my claim number for a previous submitted claim.
Consumer complaint received 2024-05-11
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. (MD)

I have reached XXXX to inform them of the following : A notice to Agent is a notice to principal, and a notice to principal is a notice to agent.

I have received a copy of my consumer reports and I notice you have furnished transactions on my consumer report that are excluded by law as per the FCRA 15 USC 1681a ( 2 ) a ( 1 ) ; ( 2 ) Exclusions. -- -Except as provided in paragraph ( 3 ), the term consumer report does not include -- - ( 1 ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Consumer transactions are excluded from the consumer reports. FICO and or any other RISK score or algorithm that you use to calculate a consumer credit score is not a factor where the consumer report is concerned. Definition of what the consumer report means.

Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing a consumers credit worthiness, credit standing, credit capacity, character general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes, ( B ) employment purposes ; or ( C ) any other purpose authorized under section1681 ( b ) of this title I went on and informed XXXX, TransUnion, and XXXX that the following accounts are not mines. They are ; XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (VA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-01-04
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: LEXISNEXIS (TX)

I made dispute on XXXX for 5 claims, one being a duplicate , LN rep stated they had 30 days to do an investigation by law, if anything were to come back unverifiable, they would be removed from my report. I received 2 letters in the mail XXXX -- 5 claims were unverifiable ; does not show they are removed from the report on the letters. After the 30 days, I received a letter that 2 out of the 5 claims are accurate. LN rep did state the duplicate was removed, 4 claims are showing still -- -by law they had 30 days, information stated all 5 were unverifiable -- I've requested several times that those be removed from my report and they state they will have to open up another investigation, I don't want to do that, they had 30 days by law to do the investigation and they came back unverifiable not accurate. 

case numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
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. (NY)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2024-08-28
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. (AL)

I am writing to formally dispute several fraudulent inquiries and accounts that appear on my credit report due to identity theft. Enclosed with this letter is a copy of my FTC Identity Theft Report Reference Number : XXXX in which provides further evidence of the identity theft. 

The following accounts and inquiries on my credit report are not authorized by me and are fraudulent : Fraudulent Accounts : 1. ) XXXX XXXX XX/XX/XXXX Unauthorized Inquiries : 1. ) XXXX XXXX XXXXXX/XX/XXXX 2. ) XXXX XXXX XXXXXX/XX/XXXX 3. ) XXXX XXXXXX/XX/XXXX As per the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these fraudulent accounts and inquiries from my credit report. Under the FCRA, I am entitled to have any information that is inaccurate, incomplete, or that I do not recognize as being the result of identity theft removed from my credit report. 

Additionally, I request that you provide a corrected copy of my credit report once these items have been removed, as well as notify any parties who have received my incorrect credit report within the last six months.

Please confirm receipt of this dispute and proceed with the removal of these items from my credit report as soon as possible. I appreciate your prompt attention to this matter. 

Thank you for your assistance.
Consumer complaint received 2024-08-28
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. (OH)

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have repeatedly requested in writing that XXXX XXXX XXXX be removed from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. Also, XXXX XXXX XXXX is not listed in the Nationwide Licensing System as having proper certification to collect debt in the state of Ohio which voids any contracts that XXXX XXXX XXXX has in the state of XXXX  prior to certification. 

Account # XXXX Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures