davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
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)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-01
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. (CA)

There are inaccuracies in my credit report, which is unjust for me. I ask that you investigate this matter and resolve it. I am really upset and annoyed with these issues. If there are no updates on my inquiries, I will proceed with legal action.
Consumer complaint received 2024-07-30
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. (WI)

After reviewing my consumers report, I ran across some accounts that weren't belonging to me. I don't know how these companies got my information or even reporting on my report. These accounts do not belong to me whatsoever. Here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-08
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. (VA)

I have requested investigation that my credit report is inaccurate. Investigation came back as un-verified XXXX XXXX account and its NOT on my report, but this in fact still remains being reported on my credit file. I have attached feedback response this is to be deleted immediately!
Consumer complaint received 2024-06-01
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One has refused to correct the erroneous inaccurate reporting on my credit report. They are in Violation of the FCRA. I have attempted several times to have them correct the information on my report. attached is the evidence highlighted in black of the plethora of errors on my consumer report that is not in metro 2 standards and must be removed from my credit report immediately. Please investigate their practices and procedures as it pertains to ignoring the FCRA guidelines and the willful noncompliance of conducting and reporting to ensure the accurate of reporting for consumer reports.
Consumer complaint received 2023-09-19
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. (GA)

Consumer Financial Protection Bureau Complaint # XXXX XXXX XXXX We thank XXXX XXXX for his comments and please find our response below. 
NOTE : XXXX XXXX also filed another complaint at the same time ; # XXXX. 
XXXX XXXX entered into a Simple Interest Note And Security Agreement on XX/XX/XXXX, and he pledged his XXXX XXXX XXXX as collateral. He also executed a credit application which gave us valid a permissible purpose to review this credit file. 
XXXX XXXX account become delinquent, and the account was assigned for repossession on XX/XX/XXXX, however, we have been unable to locate and recover the collateral. 
The balance remaining on the account is {$6200.00}. We ask that he pay this amount immediately or surrender the collateral. 

15 usc 1681 b 2 who gave permission to share my information? permissible purpose title 18 identity theft any Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

can not use my information without my permission or its identity theft its the LAW I refuse to pay this debt or any other debt that you have in or associated with my name. So PLEASE STOP CALLING ME, OR SENDING ME LETTERS!

Once again! I am informing you to cease all contact with me or anyone else about this claimed debt. 
Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice that I REFUSE TO PAY and for you to CEASE all further communications with me. 
Sincerely XXXX XXXX
Consumer complaint received 2024-07-30
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. (IN)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX placed a collection account on my credit report that does not belong to me and was not verified. I have never entered into a contract with XXXX XXXX or any affiliated parties. XXXX XXXX number is XXXX. I requested validation of this debt by requesting the original contract and XXXX XXXX sent me a document that was a proposed treatment plan from a 3rd party that clearly states " This is not a contract to buy ''. I have made XXXX XXXX aware that they did not provide the requested information and demand this collection account be removed at once. The proposed treatment plan is attached.
Consumer complaint received 2024-06-03
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. (PA)

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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2024-03-19
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. (NY)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2023-09-19
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: CAPITAL ONE FINANCIAL CORPORATION (WY)

Capital one there was a credit card they say I have that I never signed up for nor have a card on XX/XX/2023 I asked them to remove it and did a dispute with them and they are saying it accurate with that being said I asked them to prove to me that I was the one to open it and they can't I called them three times and got hung up on I would like this off my XXXX and taken care of.. XXXX is a hard it I never did as well as XXXX XXXX
Consumer complaint received 2024-08-19
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. (OR)

I have had it with Experian 's handling of my issues with the way they are reporting my personal information. There are wrong addresses on there that I have never even lived at. In response, I have gotten letters from them requesting information that I already sent out ( a utility bill with my current address, my ID with my current address, etc ). 

I mailed them the requested information on XXXX, XX/XX/XXXX, XX/XX/XXXX, At this point mailing them so many times out is messing with the security of my information. I mailed them a follow suit letter as well on XX/XX/XXXX showing that XXXX fixed the errors on my personal information in my report and that experian is obligated by FCRA laws to follow suit by also updating my information so it matches. 

I have included files that show that Experian has received the information they are YET AGAIN requesting. 

The only information on my credit report should be my current address : XXXX XXXX XXXX XXXX XXXX, OR XXXX my current phone number : XXXX and my current employment status : XXXX  Student at University XXXX XXXX XXXX This week, XX/XX/XXXX I received XXXX letters from experian after I submitted my previous complaints with the CFPB. XXXX of those letters are asking for the information I have already sent over XXXX TIMES!!!!!!!! I sent my current utility bill from XXXX, and I even included my XXXX that contains my SSN! 

I have sent an OVERWHELMING amount of evidence to get the wrong information removed and have the right information stated on my credit report. Experian is especially messing with my ability to move at the moment since whenever my credit is pulled, they see the erroneous previous addresses. 

I HAVE ATTACHED EVIDENCE THAT SHOWS I MAILED MY EVIDENCE MULTIPLE TIMES ALONG WITH THE LETTERS.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/year>, I initiated disputes with TransUnion, XXXX, and XXXX due to unauthorized accounts appearing on my credit report. Despite submitting these disputes, I have not yet received any response, and as a result, my credit score has failed to improve. This prolonged lack of resolution has led to a significant accumulation of debt as my credit applications have been repeatedly denied over the past XXXX months. I am profoundly disappointed with all three credit reporting agencies for failing to comply with the law.
Consumer complaint received 2023-09-19
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FMA Alliance, Ltd. (TX)

I received a letter in the mail from FMA Alliance LTD on XX/XX/2023. I wrote a dispute letter that has a receiving time stamp of XX/XX/2023 on USPS tracking website. I did not receive a response from the company with 30 days. As of XX/XX/2023, I called the company to see if a response was sent to my home address. No agent could come to phone and let a voicemail.
Consumer complaint received 2023-09-19
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. (FL)

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 seven 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 2023-10-27
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX Balance Owed : {$510.00}
Consumer complaint received 2023-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC (TX)

I have attempted to make payments on my loan in advance because I use my home as rental income property and I never know when a tenant might not pay. I attempted to pre-pay my loan on two occasions and the mortage company promised to apply my extra payments to future months but they didn't. I have called and open at lease 10 cases for them to correct the issue and they always promised to correct the payments but they never did. They keep using the payments for principle payments, which, i didnt request. After spending months calling back and forth, finally after 60 days for them not doing it, they now tell me, its been 60 days and now we can't remove a principle payment to a monthly payment. They basically lied to me. The last time I did the extra payment, they told me since my mortgage payment had increased, I needed to make another additional payment of {$270.00} in order for them to apply my extra payment to a future month. I made the additional payment and they took that and applied it to principle also. Now they tell me there is nothing I can do.

XX/XX/XXXX - regular payment made of {$2500.00} XX/XX/XXXX - Additional payment made of {$2500.00} ( They applied to principle and refuse to correct it ) XXXX regular payment made of {$2500.00} XX/XX/XXXX - Additional payment made of {$2500.00} ( They applied to principle and refused to correct it ) When I called them in XXXX still inquiring about why they didnt apply the XXXX payment correctly, they told me it was because the monthly payment increased to {$2800.00} and I would have to make an additional payment of {$270.00} in order for them to apply the payment to a future month. On XX/XX/XXXX, I made the additional payment and once again, they took the {$270.00} and applied it to my principle. Now when I call them, all they say is. its been past 60 days, nothing we can do help you. This is a total scam because I have called them over 25 times ( within the 60 day period ) and requested the funds be applied to future months. When I requested they send me the phone conversations between myself and their agents, so that i can prove they lied to me, they refuse to do it. I have requested a supervisor 11 times and no one will return my call or speak to me.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

REPORTING ME TO THE CREDIT BUREAU AS DELIQUENT FOR 120 DAYS. I SET UP MY ACCOUNT ON A IN HOUSE ON A PAYMENT PLAN. XXXX  WAS TRYING TO PULL THE MONEY FROM THE WRONG ACCOUNT, I CALL EVERY MONTH TO UP DATE MY ACCOUNT INFO BUT XXXX XXXX  KEEPS REPORTING ME TO THE BUREAUS AS DELIQUENT. IT WAS NOT EXPLAINED TO ME THAT IF YOU SET UP A PAYMENT PLAN, AND YOUR ACCOUNT WAS NOT UP TO DATE, THAT THEY WILL STILL BE REPORTED YOU LATE IF YOU OWED A BALANCE. IT HAS NOW BEEN RESOLVED, SO XXXX IS GOING TO UP DATE EVERYTHING ON THEIR END AND FILE A DISPUTE TO BRING ME CURRENT. I JUST NEED IT TO BE UPDATED ON ALL 3 BUREAUS.
Consumer complaint received 2023-03-23
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. (CA)

I have an app called " XXXX XXXX '' that notified me of a new credit inquire on XX/XX/23 with XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. I called and was able to cancel the fraudulent card. It is still on my credit report and I am not sure how to remove it.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/year>, I mailed a dispute letter to Equifax requesting an investigation into several inaccurate items on my credit report. In addition to disputing these inaccurate items, I also requested an update and correction of incorrect personal information listed on my credit report. Despite my efforts, I have not received any response from Equifax regarding the investigation results. This lack of response has caused significant inconvenience and has prevented me from resolving the inaccuracies on my credit report in a timely manner. 

According to the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the completeness or accuracy of any item of information in their credit bureau file, the bureau is required to conduct a reasonable reinvestigation to determine the accuracy of the disputed information. 

It appears that Equifax has violated my consumer rights by failing to conduct a reasonable investigation upon receiving my dispute. This lack of action is a clear breach of their obligations under the FCRA.
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (IL)

Chime which is a branch off of XXXX, closed my account which had a little over XXXX dollars in it and told me that they would send me a check in 30 days. That was late XXXX when my account was closed. As of XX/XX/2023 I have yet to receive my funds from them. Ive reached out to customer service numerous times and have gotten the run around as to why I havent received my funds. Yesterday as of XX/XX/2023 they told me for some reason my account wouldnt be eligible for a refund of my legitimate tax return. They arent trying to pay me back my money and thats not right. Ive provided them with all necessary documentation to prove my case and to verify the legitimacy of the funds. This has been a stressful process Im in the midst of losing my home because of this scenario and it feels like they are trying to steal from me.
Consumer complaint received 2023-06-15
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. (GA)

Fraudulent accounts, information, and activities have contaminated my Credit File, and I am once again requesting the removal of such information resulting from the fraud. It is important to note that my personal information was exposed in the Equifax data breach. I am submitting this complaint via the CFPB to request that the three major Credit Reporting Agencies remove the accounts and information that remain on my Credit File, despite the actions they have taken in removing a portion of the disputed items. I have been requesting that they remove the accounts and information resulting from fraudulent activities. While I appreciate their efforts in removing some of the fraudulent accounts and information, I am seeking help once more to request that they remove the remaining fraudulent accounts. 
The accounts, inquiries, and inaccurate addresses listed are not associated with me in any way. I have neither received any money, goods, nor services as a result of identity theft, nor have I authorized these accounts. I urgently request that the Credit Reporting Agencies promptly remove any affiliation of these items with my identity. I need the help of the Credit Bureaus in removing the following items from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} US BKPT CT GA XXXX Bankruptcy XXXX XXXX-discharged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is my numerous request for the Credit Bureaus to remove these items, and I do not lose hope in resolving this matter as peacefully as possible. If the Credit Bureaus ' investigation finds that the disputed items belong to me, I require them to send me copies of the documents they found during their investigation. In the absence of such documents, immediate removal of the disputed items is expected.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.