davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Vehicle was purchased then totaled due to a tornado 2 months later, GAP coverage was added at time of purchase. The dealership was responsible for sending the GAP payment to XXXX and did not. I followed up many times with the dealership. The last time I followed up the check was finally mailed, received and signed for by the recipient. However, XXXX had not been able to locate the check as of my phone call on XX/XX/year>. Because the dealership did not mail the GAP refund check in a timely manner ( it took 3 months before they mailed it only for it to not be found ) the account was reported as delinquent. My credit score has been severely damaged because of this.
Consumer complaint received 2023-11-30
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: Experian Information Solutions Inc. (AR)

You have my reports on the companies. Now XXXX won't let me get signed in. My phone has XXXX log in names and passwords for transunion. Its a XXXXXXXX XXXX And I never can get to dispute. They will let you download report. Call center is overwhelmed. You have to pay to get verified to talk to them on social media. And they just keep telling everybody that complains to dm knowing they XXXX XXXX make a XXXX  on what is supposed to be free to all XXXX. I'm a XXXX XXXX with XXXX and I paid XXXX XXXX  for a service to clean my cred for home purchase. It was destroyed again by your biggest predators, XXXX XXXX XXXX XXXX XXXX, with help from experian and XXXX. XXXX had XXXX mistakes. XXXX and experian have XXXX. And XXXX makes it extremely hard to correct. It's why I paid a service. Sorry for all the workload I've placed on ya 'll but I get no results anywhere else. Thanks for helping
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX. My credit score drop with XXXX XXXX XXXX points and it dropped with Experian XXXX points. I just noticed that my alert on my credit file stated that a new collection was placed on my account. I have never heard of the company called XXXX XXXX XXXX. But Experian and XXXX XXXX allow this company to place this on my consumer credit file. I have not received one correspondence by mail nor phone call. This is very stressful and overwhelming which causes XXXX. Attached you will find copies of what was on my Consumer file. Please remove. I have no idea about this company and I have never had an agreement. 

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

I WAS NEVER GAVE WRITTEN INSTRUCTIONS REGARDING ANY OF THE SAID ITEMS TO BE PUT ON MY CONSUMER REPORT.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector all 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 I NEVER CONSENTED TO THE DEBT COLLECTOR TO COMMUNICATE WITH ME 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer report and agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to a consumer to any consumer reporting agency if the person knows our has reasonable cause to believe that the information is inaccurate. 

I HAVE UPLOADED THE ALLEGED DEBT AND DISCREPANCIES.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am writing to formally submit a complaint to CAPITAL ONE regarding inaccuracies in the reported data on my credit file. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec.

151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Consumer complaint received 2024-07-01
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. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Two fraudulent inquiries appear on my TRANSUNION credit report : XXXX ) XX/XX/2024 XXXX XXXX and XXXX ) XX/XX/2024 XXXX XXXX. I have attached the FTC fraud report for the above.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Upon checking my consumer report. I see that there are numerous names address phone numbers and employers on me that I never lived at, employers, phone numbers that are not mines and names that i do not use. I have tried to work with your company to clear this up but your company is not budging in removing the inaccurate information. Also the number of inquiries that are on me is not valid. I never gave anyone permission to run my credit. I am a victim of identity theft and your company is putting information on me that are false
Consumer complaint received 2023-09-13
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. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX
Consumer complaint received 2024-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TN)

On my Experian credit report, I noticed a derogatory mark. I actually have two but this is the first one. 
On my Experian report It shows a debt for {$1400.00} Listed under medical payment data and under that is says NotsatisfyingF20-Trade. Opened XXXX XX/XX/XXXX closed XX/XX/XXXX This have been reporting on my credit report monthly. It's even got a fake payment history as if I was paying. I do not know what this is. 

On my XXXX credit report, the same debt {$1400.00} under XXXX XXXX XXXX. 
This one has an account number XXXX  date opened XXXX XXXX XXXX This is all just false information. 

I need these things removed from my credit report immediately and permanently. 
This is a fraudulent account. 

I have not been given a chance to dispute account according to12-CFR 1006.34 ( c ) ( 4 ) ( 1 ) Collection Agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. 

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-5 2 ( 7 ) ( A )
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Inquiries - XXXX XXXX XXXX XXXX XXXXXXXX inquiry was not authorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized. Please remove it from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -this inquiry was not authorized. Please remove it from my credit report immediately. 

XXXX XXXX XXXXXX/XX/XXXX -This inquiry was not authorized. Please remove it from my credit report immediately. 

XXXX XX/XX/XXXX XXXX this inquiry was not authorized. Please remove it from my credit report immediately. 

Accounts - XXXX XXXX, this account is being reported inaccurately, please remove this from my credit report immediately
Consumer complaint received 2024-04-18
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: EQUIFAX, INC. (NC)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

To whom it may concern. 

We contacted XXXX XXXX, they asked to reach out to your office for help. 
We are requesting your assistance to have a negative mark removed from our credit bureaus, which both XXXXXXXX XXXX and XXXX XXXX  refused to do, even after numerous attempts. In XX/XX/XXXX, my wife and I obtained a mortgage through XXXX XXXX XXXX, which eventually was transferred to XXXX XXXX . In between XXXX  and XXXX, we lost our business, and my wife XXXX XXXX was diagnosed with XXXX. This was right about when the pandemic started. Also, due to financial burdens and medical bills, we had no choice but to file for bankruptcy. Obviously, once a person files for bankruptcy, all creditors get notified, which of course, XXXXXXXX XXXX was. Although the mortgage was never included in the bankruptcy, we were able to negotiate and get approved for a modification program through the bank, and we have all files to prove it. During the bankruptcy, our attorney reached out to XXXXXXXX XXXX, but unfortunately, they never reached back out to him for negotiation. Regardless, we went through the modification, and we were making payments on time without missing any. Since then, we have sold our home and closed on it XXXX XXXX XXXX XXXX. XXXX XXXX  was paid in full, and we have a letter directly from XXXX XXXX showing that our mortgage was paid, satisfied in full of no liens on the property whatsoever. Unfortunately, we recently found out that it was reported to the bureaus that it was included in the bankruptcy. Weve asked XXXX, and XXXX XXXX  numerous times to change the reporting to paid in full, they refused to and treated us very unfairly. Due to that negative mark, we are currently paying a high interest rate on our new mortgage. So, we ask of you to please help us out, try and reach out to them and ask them to possibly change it to paid in full/never late. We would love to be able to refinance for a lower rate. If you have any questions, please dont hesitate to call us at XXXX. 
Thank you, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-04-20
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. (CA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern. 

We contacted Fannie Mae, they asked to reach out to your office for help. 
We are requesting your assistance to have a negative mark removed from our credit bureaus, which both XXXX XXXX  and XXXX XXXX refused to do, even after numerous attempts. In XX/XX/XXXX, my wife and I obtained a mortgage through XXXX XXXX XXXX, which eventually was transferred to XXXXXXXX XXXX . In between XXXX and XXXX, we lost our business, and my wife XXXX XXXX was diagnosed with XXXX. This was right about when the pandemic started. Also, due to financial burdens and medical bills, we had no choice but to file for bankruptcy. Obviously, once a person files for bankruptcy, all creditors get notified, which of course, XXXX XXXX was. Although the mortgage was never included in the bankruptcy, we were able to negotiate and get approved for a modification program through the bank, and we have all files to prove it. During the bankruptcy, our attorney reached out to XXXX XXXX, but unfortunately, they never reached back out to him for negotiation. Regardless, we went through the modification, and we were making payments on time without missing any. Since then, we have sold our home and closed on it XX/XX/XXXX of XXXX. XXXX XXXX was paid in full, and we have a letter directly from XXXXXXXX XXXX, showing that our mortgage was paid, satisfied in full of no liens on the property whatsoever. Unfortunately, we recently found out that it was reported to the bureaus that it was included in the bankruptcy. Weve asked XXXX, and XXXX XXXX  numerous times to change the reporting to paid in full, they refused to and treated us very unfairly. Due to that negative mark, we are currently paying a high interest rate on our new mortgage. So, we ask of you to please help us out, try and reach out to them and ask them to possibly change it to paid in full/never late. We would love to be able to refinance for a lower rate. If you have any questions, please dont hesitate to call us at XXXX. 
Thank you, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per XXXX XXXX, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-04-18
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. (NC)

Dear Credit Bureau, XXXX XX/XX/XXXX, someone reported my XXXX XXXX credit card balance as {$100.00} to all major credit bureaus. However, my actual balance is {$0.00}. This false information has caused my credit score to drop by XXXX points unfairly. I demand that only XXXX credit report per month be submitted for my accounts to prevent such inaccuracies. 

Additionally, I request that my credit score be immediately restored to its proper level before this erroneous reporting. Please investigate and rectify this issue promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-01
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. (CA)

I am writing this request that I have been a victim of XXXX XXXX and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 
I'd appreciate it if you could update this reporting account as soon as feasible. 
The account should be rectified as soon as possible if you do not comply with the instructions. 
Please UPDATE the following accounts AND REMOVE THE INACCURATE ADDRESSES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Consumer complaint received 2024-04-18
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: EQUIFAX, INC. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2019-06-13
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: EQUIFAX, INC. (NV)

Equifax information services keeps reporting a bankruptcy on my file in various was its been deleted multiple times then re added with new date new filing statuses and different case numbers which all has been documented since 2016-present
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (MA)

the card is apple card un charge the {$550.00} but I call the costumer service and tell apruve this mistake but in My statement does not disappear only change the # the card but this many stay old the tima as if it should thank you
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2024-04-18
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. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-09-20
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. (CA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. 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 in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.