davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I disputed incorrect information on my report, requested a deletion and a full investigation but did not receive any. Although I provided all the necessary information required by law on my part. Experian is violating my rights. I have listed the concerns about their reporting in the document. The account in question is not complete and does not meet the standards; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well. 

In accordance with the Fair Credit Reporting Act This account has violated my rights : XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Account # : XXXX Date Opened : XX/XX/. This account is inaccurate, incomplete and not adhering to compliance standards. 

According to the FCRA and Metro 2 compliance reporting standards, the information listed above is my most up-to-date personal information. If what Experian have on file for me doesn't match what's listed, then there are problems with either Experian 's records or those who provide them for verification purposes. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. Experian must finish the information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. I require that any mistakes be fixed permanently.

According to the FCRA, 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion, XXXX and XXXX is reporting a Bankruptcy on my credit report as the U.S. Bankruptcy Court XXXX XXXX of Texas ( XXXX ), which is false. I have attached the letter from the U.S. Bankruptcy XXXX XXXX XXXX of Texas, verifying and stating that they do not report to any information to any credit reporting agencies nor do they verify any information on anyone who has filed any type of Bankruptcy through their courts. 
TransUnion and XXXX are falsely stating this information on my credit report and has yet to remove this from my personal credit report.
Consumer complaint received 2023-10-16
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. (AL)

XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, 2023 Is a violation of my rights A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.this account is in bankruptcy from the creditor I was only a co-signer. That account is being payed full shouldnt never reported a delinquent status on my report period it not even on the creditor report whos in bankruptcy.Also if the account status been closed with or without a balance it shouldnt report a balance higher than it was on the date closed after any closed date on any account that would mean the account never closed which makes the information inaccurate
Consumer complaint received 2023-10-16
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)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

A loan was taken out in 2019 for the amount of {$390.00}. The problem is it was under my old address and name. That debit was sold to NCA which I called and followed up with a police report.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX. 

XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 


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 I have reached out about all of these accounts and inconsistencies several times, these errors are hindering me from moving forward in my life.
Consumer complaint received 2023-03-05
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 (CT)

Capital One/Lord & Taylor account was closed on XX/XX/2021 Paid as agreed with no owed balance. Under the payment history : XX/XX/2021 shows 30  days late. The account was never late 30 days and is reporting incorrectly. 
XX/XX/2021 shows 60 days late. The account was never 60 days late and is reporting incorrectly. 
XX/XX/2021 shows 90 days late. The account was never 90 days late and is reporting incorrectly. 

No balances were ever owed.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue.
Consumer complaint received 2024-04-05
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. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-03-30
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. (SC)

Under the FTC, and privacy act I have to a right to opt out of creditworthiness or other personal characteristics that is being shared. If any company shares credit score or details about a purchase. I have a right to say no about sharing. This is a defamation to my character.
Consumer complaint received 2023-10-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (MO)

In approximately XXXX XXXX XXXX XXXX XXXXXXXX. I, ( XXXX XXXX ) started making the mortgage payments on this home located at XXXX XXXX XXXX. At that time, the mortgage company was Principal Residential Mortgage out of XXXX XXXX Iowa. The loan was in XXXX XXXX XXXX 's name. I had been granted permission by him in writing to communicate on his behalf regarding this loan. This loan has been serviced by many mortgage companys over the last twenty four ( 24 ) years. XXXX, XXXX, XXXX XXXX and now Newrez. I have kept these mortgage payments paid and insurance secured for this home ( in good standing ) for all of these years. The insurance was with American family for years and I changed insurance Companys a few years ago to XXXX. The insurance premiums has been paid through escrow. I received a letter from my insurance company XXXX stating that the premium had not been paid by Nerez Mortgage Company out of escrow and is going to lapse. Which by the way, I, XXXX XXXX have not missed any mortgage payments and was completely in good standing. I called Newrez to inquire about why they had not paid the insurance premium. They refused to talk to me and said i did not have authority to speak about this Loan number XXXX. In the mean time, Nerez sent a notice dated XX/XX/XXXX stating that they have not received proof of hazard insurance ( absolutely not true ) for this property and it has become necessary to place lender-placed insurance coverage on this property. The mortgage payment has been {$1100.00}. Now, our XXXX statement comes in the mail and they ( newrez ) is stating that our amount due for this month is {$2300.00}. This is a very serious issue and needs to be addressed. I have spent hours on the phone talking with different representatives at nerez mortgage company over the last few months. On numerous occasions the representatives told me that they would have a supervisor call me to get this resolved. This has not happened. The latest calls from me ( XXXX XXXX ) to nerez. i spoke with XXXX, XXXX, and others. They told me that all I need to do is e-mail confirmation of XXXX XXXX giving me permission to communicate regarding this loan and some one would be in contact with me within XXXX hours. I have sent multiply e-mails to different e-mail addresses starting XX/XX/XXXX th XXXX and still, I have not received any correspondence regarding this issue. Please help me!!!! Thank you XXXX XXXX
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NV)

I want to file this complaint to INNOVIS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Consumer complaint received 2023-10-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Millco Management (FL)

Amerifinancial Solutions placed a medical debt on my credit report. I was never contacted by them via mail or phone. I only learned of the debt through checking my credit report. This debt was never validated so I had no assurance of the debt being accurate. I need my credit so I paid the debt, and told them that I need it deleted from my credit as it is harming me and is an impediment to me obtaining financing for the purchase of a new home. The company would not comply when asked for their company address or to speak to a supervisor. I was assured that it would be deleted once paid, but was not given any information or confirmation after it was paid. I asked for a letter and they told me it would be sent in the mail. I havent received it and it hasnt been deleted. When i spoke to an agent I was treated rudely and hung up on when I asked to speak to a supervisor. They said they dont have any live supervisors to speak with and I would have to wait XXXX days to be contacted and it wasnt guaranteed when or if they would contact me. Their policies are terrible, and dont protect the consumer. There was no guarantee whether or not I was being scammed or not, but out of my need to get this off of my credit immediately I paid it. Now the company wont even comply with what I have asked for.
Consumer complaint received 2023-10-16
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. (VA)

I reviewed my Consumer Reports and noticed that there were inaccurate account ( s ) on my credit report Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

In accordance with the Fair Credit Reporting act XXXX has violated my rights. 

XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX 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
Consumer complaint received 2023-10-16
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. (IA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2022-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I NOTICE ALOT OF HARD INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE I RECENTLY GOT A POLICE REPORT IM GOING TO ATTACH IT TO MY CLAIM XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

An incorrect address is being reported on my credit profile which is linked to fraud. My identity has been stolen from this address. I do not live at this address XXXX XXXX XXXX XXXX, XXXX IL XXXX.
Consumer complaint received 2023-10-16
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. (IA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; 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 2023-08-19
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. (CT)

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 Credit Bureau TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 TransUnion TransUnion XXXX XXXX XXXX XXXX XXXX There are several inquiries listed that do not belong to me . It appears there is fraud going in. Someone is trying to open accounts in my name
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (WY)

I applied for a credit card from XXXX XXXX and received a letter informing me they needed " identity verification '' due to Equifax report. I called XXXX XXXX customer service and after listening to many recorded messages and being placed on hold I was finally connected to a representative with a very strong accent who informed me XXXX XXXX needed a picture identification, but I could not email it - I had to fax or mail a hard copy. 

I then emailed Equifax and XXXX XXXX leadership requesting an explanation as to how someone XXXX XXXX XXXX with a FICO of XXXX, former federal employee, who worked and paid taxes for nearly 60 years needed an identity verification. I attached my passport photo and information. 

Equifax customer service ( no name ) sent an email requesting a copy of Social Security card or 1099 and a driver 's license or utility bill with my name and address included. I sent a copy of my driver 's license and social security card which they rejected because it was not pdf format. I sent a third email with WP4 and gas bill. Equifax customer service then sent me an email informing me my credit score was low because I never had mortgages or revolving loans. 

I replied to Equifax and XXXX XXXX leadership with a print screen of my XXXX credit card FICO of XXXX showing 16 years as a card holder and a print screen of my XXXX credit card FICO of XXXX commenting that Equifax was incompetent and irresponsible and should not be providing fraudulent credit history data to financial institutions. 

I have had mortgages, auto and furniture loans and just finished paying a loan in XXXX of 2023. At 73 years of age, I planned on not having mortgage, auto or other debts at this point in my life as my retirement income is significantly less than the more than {$100000.00} annual income I made while employed. 

Equifax prevented me from receiving a XXXX XXXX credit card due to inaccurate credit history reporting despite having a FICO of over XXXX for many years. 

Equifax, XXXX XXXX and XXXX all use XXXX XXXX customer service representatives who do not have the cognitive ability to comprehensively investigate. And our highly confidential credit /financial information should not be shared haphazardly with these individuals.
Consumer complaint received 2023-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.