davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (OH)

Today is XX/XX/XXXX. I'm following up about my credit report. 
On XX/XX/XXXX I was checking my credit report. I noticed unrecognized collections on my credit report from ; XXXX ) I.C SYSTEM, INC XXXX, XXXX ) XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX, and XXXX ) XXXX XXXX XXXX XXXX XXXX ) I.C. SYSTEM, INC XXXX about a High Credit balance of XXXX. I have no business with I.C. System, Inc. My original creditor is : XXXX XXXX XXXX I never gave permission for my information to be improperly shared. I want this account removed off my credit report XXXX ) XXXX XXXX XXXX about a High Credit balance of XXXX XXXX I have no business with XXXX. My original creditor is : XXXX I never gave permission for my information to be improperly shared. I want this account removed off my credit report XXXX ) XXXX XXXX XXXX XXXX about a High Credit balance of XXXX XXXX I have no business with XXXX XXXX. My original creditor is : XXXX. I never gave permission for my information to be improperly shared. I want this account removed off my credit report. 

XXXX ) XXXX XXXX XXXX XXXX about a High Credit balance of XXXX XXXX I have no business with XXXX. My original creditor is : XXXXXXXX XXXX XXXXXXXX never gave permission for my information to be improperly shared. I want this account removed off my credit report. 

The list of accounts above are unrecognized and, in violation of my consumer rights to privacy and confidentiality.In accordance to fair credit reporting 15 U.S.C 1681 Section 602 A I have the right to privacy and information submitted must be accurate. 15 U.S.C 1681 section 604 A section 2 : Consumer reporting agency can not furnish a account with my written instruction or permission.

15 USC states informaction reported must be accurate
Consumer complaint received 2023-12-22
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)

I'm a survivor of fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data quickly would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help
Consumer complaint received 2024-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is 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 Balance : {$1600.00}
Consumer complaint received 2023-04-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-07-17
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a car accident on XX/XX/XXXX where I hydroplaned. No other car was involved. The car was taken to an impound lot by the XXXX police. Within the hour, I filed a claim the same day with my insurance, XXXX of which I had full coverage. The car was totaled and undrivable. Capital One Auto was the lien holder to which I was current and ahead on my loan payments through XXXX of XXXX. 

The car remained in impound for 3 weeks and we contacted Capitol One to make sure they knew it was under an insurance claim. On XX/XX/XXXX, I received a letter from Capital One stating I had unpaid fees which were impound fees and repossession fees due to the fact insurance never picked up the car nor looked at it. I called that day and was told to have insurance contact them which I did. However, Capitol One did not hold the car for insurance. They picked up the car out of the impound and charged me with impound and repossession fees and SOLD the car for scrap. Again, my car payment was ahead and up to date. During this time, XXXX said they would take care of the fees, look at the car, etc. But every time we called Capital One we were transferred at least 3 times to different departments as no one could give us an answer as to why they were selling the car, even though it was under an insurance claim. In XXXX XXXX my credit report took a hit. Capital One placed a Repo and Charge off on my credit report causing it to drop over 100 points. Since the car was totaled, I had to get a new car but was unable to finance a new one since my credit had taken such a huge hit and had a repossession on it which is still there. I have not been able to finance a car, and this has place a huge burden on me and my family as they have had to be the ones to help with a new car. 

You will see from the attached document on XX/XX/XXXX, that it states, I had no unpaid late fees or past due payments. And then, in XXXX they send me a letter to tell me how stressful losing a car can be and to work with my insurance company. What a joke - 4 months later. 

Finally, after 4 months, at the end of XXXX, XXXX paid out the claim and fees owed on to Capital One. We have disputed the credit report with Capital One and they are refusing to take this Repo off my credit and stating it is accurate. I am still not able to finance a car as the creditors see that and think I wasnt responsible for my car payments, even though again, I was current and ahead on my loan payments. 

Thank you,
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (CA)

XXXX, a financial institution, provides stock brokerage and banking services to customers. I use both services with XXXX. Recently, I lost my debit card and contacted XXXX through the XXXX 's app. They closed the lost card, issued a new one, and initiated a dispute for unauthorized transactions. Some transactions were refunded, but others are still being processed at the time of my last login into my account. XXXX requested my ID for verification, which I provided. I erased the device used to access XXXX as a precaution. However, I lost complete access to my account. I requested many times support, sending again my ID and taking a photo to regain access to my account. However I still can't access my account. I need XXXX 's assistance to regain access and address issues with my debit card and account usage.
Consumer complaint received 2024-04-13
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth Third Bank is not reporting my mortgage to XXXX XXXX. This has resulted in a lower credit score and denial of credit. I have tried several times to resolve this with the bank and they have told me it is the credit bureaus issue, then admitted it was the banks issue, but lost the request to report twice.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have made multiple attempts and have physical documentation of my paper trail disputes with XXXX, Equifax and XXXX dating back and starting in XXXX of XXXX and certified mail every 35-45 days until now. All 3 of the credit bureaus ignore my dispute requests and continue to publish inaccuracies on my credit report and fail to notate that the account is even in dispute. 

XXXX - This account is inaccurate and has been re-aged since the date of delinquency/date of last payment do not match across the 3 credit bureaus. 

XXXX XXXX - This account is in violation for failure of notating this account is and has been in dispute for months. 

XXXX XXXX - This account is inaccurate in the payment status and history. One credit bureau reads as current and the other shows late. 

XXXX - This account is inaccurate showing late 60 days on a closed account
Consumer complaint received 2023-09-01
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: Experian Information Solutions Inc. (TX)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these ITEMS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed ITEMS get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

15 USC 1681b : ( a ) In general : Consumer reporting agencies may furnish consumer reports under the following circumstances : In response to a court order or federal grand jury subpoena. 
In accordance with the written instructions of the consumer to whom it relates. 
To a person that the agency has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer. 
To a person that the agency has reason to believe intends to use the information for employment purposes. 
In connection with the underwriting of insurance involving the consumer. 
In connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. 
For a legitimate business need in connection with a business transaction that is initiated by the consumer. 
To review an account to determine whether the consumer continues to meet the terms of the account. 
To determine a consumer 's eligibility for a pre-screened offer of credit. 
Practical Implications : Permissible Purposes : Consumer reports can be obtained and used only for specific and permissible purposes as outlined in the statute.

Written Consent : Consumer reporting agencies can provide a consumer report if they have the written instructions or consent of the consumer. 

Credit Transactions : Information may be furnished to persons involved in credit transactions, including the extension of credit, review, or collection of an account. 

Employment Purposes : Consumer reports may be used for employment purposes, such as in the hiring process, with the consent of the consumer. 

Insurance Underwriting : Information may be used in connection with the underwriting of insurance involving the consumer. 

Governmental Benefits : Consumer reports may be used to determine eligibility for licenses or other benefits granted by a governmental instrumentality.

Legitimate Business Need : Reports can be obtained for a legitimate business need in connection with a business transaction initiated by the consumer. 

Account Review : Consumer reports may be used to review an account to determine if the consumer continues to meet the terms of the account. 

Pre-Screened Offers : Reports can be accessed to determine a consumer 's eligibility for pre-screened offers of credit. 

It's important for businesses and entities that request consumer reports to ensure they have a permissible purpose under the FCRA and comply with the law 's requirements. Consumers also have rights under the FCRA, including the right to know who has accessed their credit report and for what purpose.
Consumer complaint received 2024-01-19
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter finds you well. I am writing to bring to your attention an issue that has been causing me significant distress and adversely affecting my well-being. It pertains to the late payments recorded on my account. I have recently noticed that there have been inaccuracies in the reporting of my payment history. It is my understanding that timely payments are crucial for maintaining a positive credit profile, and any discrepancies can have serious consequences on one 's financial well-being. 
XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX Upon reviewing my records, I have identified instances where payments were made promptly but were not reflected accurately in the account statements. This has led to a misunderstanding of my creditworthiness and has caused unnecessary stress and XXXX. I kindly request your prompt attention to this matter and urge you to investigate and correct the inaccuracies in the payment history on my account. I understand that errors can occur, and I believe this issue can be resolved amicably. I am confident that, once rectified, this situation will alleviate the distress I have been experiencing. Additionally, it will ensure that my credit report accurately reflects my responsible financial behavior. Thank you for your understanding and cooperation. I look forward to a swift resolution to this matter.
Consumer complaint received 2024-05-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Home Mortgage provided an inadequate and confusing explanation, lack of laymens understanding. Purchased home in 2006 for $ XXXX. Later modified during housing crisis. Now selling home after occupying nearly 18 years, owe a principal balance of $ XXXX.
Consumer complaint received 2024-05-21
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. (CA)

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 XXXX XXXX : {$45000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-22
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (MA)

Please see the full details in the attached letter. 

Nationstar /Mr. Cooper was sending the invoice to the incorrect address and made no other attempts to contact me or leave a message. 

They have not responded to my requests to remove the single blemish from my otherwise perfect credit report.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

My payments are always made on time ; I'm absolutely sure of this. However, I'm unsure why this company is reporting me as late for certain months, which is incorrect. According to USC 1666b, any billing errors should be rectified, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX Account starting number XXXX opened XXXX XXXX account starting numbers XXXX opened XXXX XXXX XXXX account starting numbers XXXX opened XXXX XXXX account starting numbers XXXX opened XXXX XXXX XXXX account starting numbers XXXX opened XXXX XXXX XXXX XXXX Account starting numbers XXXX opened XX/XX/XXXX. All this account XXXX not mine it is opend by somebody who stole my identity and used to get cards and loans. XXXX XXXX account starting numbers XXXX opened XXXX XXXX XXXX account starting numbers XXXX opened XXXX XXXX XXXX XXXX  account starting numbers XXXX opened XXXX XXXX XXXX XXXX account starting numbers XXXX opened XXXX  I dont have contract with this Agencies they did not provide me with original contract as i requested.
Consumer complaint received 2024-01-19
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. (SC)

I am trying to buy a house and these things are delaying my home buying process. I have been a victim of aggravated identity theft. I need these items removed asap. Each creditor should have form SSA-89 signed by the consumer whenever credit is requested that way they have proof it was mailed and received by the said consumer and that way each person knows if/ and when fraud has or hasn't been committed. That form was requested by me to the creditor and they have yet to send that. It's been over XXXX  days since requested and over the timeframe. If they can't provide it they need to respectfully remove these items. Study what this form entails. I understand my consumer rights and how to proceed. I will contact the XXXX, and state attorney general to let them know such things are happening and not being honored if this isn't handled asap. Do not send a bill as a bill doesn't provide sufficient proof the said has applied for anything. Thank you for your prompt assistance Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX
Consumer complaint received 2024-05-19
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 following list of accounts has violated my federally protected rights to privacy and confidentiality under 15 USC 1681 : XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Accounts listed above have violated my rights. 

15 U.S.C. 1681 602 A : States I have a right to privacy.

15 U.S.C. 1681 604 section 2 : also states a consumer reporting agency can not furnish an 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 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 have reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Data breach Hello, my name is XXXX XXXX And my information was bought and sold illegally and I was a victim of the XXXX data breach. 

And I want these items deleted from my credit reports effective immediately! 

I am attaching proof that XXXX admitted, that I in fact, was a victim of this data breach and XXXX has done nothing I was these accounts deleted off off my account immediately Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is closed and never was late Correct this immediately Personal info My name is as stated XXXX XXXX I do not and have not ever gone by any other name and want all other names removed off of my consumer reports Addresses My address is as stated XXXX XXXX XXXX XXXX XXXX pa XXXX I want all other addresses removed from my consumer reports I want all employment history removed from my consumer report Thank you Sincerely, XXXX XXXX