davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
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. (TX)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2023-10-30
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. (MD)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Granite Bay Acceptance Inc. (MI)

XXXX allowed a company that i've never done business with to check my report. I'm opted out of all prescreened offers. Granite Bay Acceptance think they're an exception to the rule. These credit bureaus need to be disbanded, they're allowed to do anything they want without repercussions. You must jump through hoops to get illegal items removed from the credit report because cra 's are in bed with every creditor.
Consumer complaint received 2023-12-05
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. (TX)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 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: Experian Information Solutions 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 defemation to my character.
Consumer complaint received 2023-09-22
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. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL, XXXX XXXX XXXX EQUIFAX Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my EQUIFAX credit report. My latest credit report shows credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. 

I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NV)

I am demanding to opt out of any reporting of my personal or public information. I have not consented to nor authorized the reporting, housing, selling or furnishing of any information relating to me or any accounts associated with me or bearing my name. Any information whether personal or financial that you are in possession of without consent and have furnished or sold to non-affiliated third parties you are guilty of aggravated identity theft and it's causing me financial harm.

I am demanding the deletion of the public record, the bankruptcy that is currently reporting with your company as you are not able to verify the accuracy of this information. If you can verify this account, please forward me the appropriate information. Otherwise please opt me out from any further reporting of any of my information.

In addition please send me my full consumer disclosure file pursuant to 15 USC 1681g ( a ) ( 1 )
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

There are two collections on my credit report that showing I have a balance I have contacted the crediting report to have them removed and provide proof of evidence that I have a XXXX balance I accounts have been closed. Ive been doing this for over eight months. this is my eighth letter out to the credit report and it still hasnt gone away. 

Here are the collections and accounts they are being reported incorrectly, and then acting my life XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX and XXXX XXXX were deleted from my Trans Union credit report due to HIPAA violation in XX/XX/XXXX. Both collections were reinserted in XX/XX/XXXX. Trans Union did not notify me with a 5 Day reinsertion letter which is an FCRA violation. I sent a certified letter to Trans Union on XX/XX/XXXX which they have not responded and both accounts have been reinserted as collections.
Consumer complaint received 2021-08-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MI)

This company, Fair Collections and Outsourcing is by way of identity theft, committing fraud. They have stolen my personal identifying information from XXXX XXXX Apartments, and have furnished my consumer reports with adverse information without my consent. The have not validated or verified this alleged debt, but there are attempting to extort me for payment by way of coercion.
Consumer complaint received 2023-03-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (TX)

In complaint XXXX, XXXX XXXX XXXX not state that Shellpoint did not receive money from the XXXX XXXX. She merely restates that I asked about it. Additionally, XXXX XXXX does not provide the work out agreement with XXXX XXXX. 

XXXX XXXX states that I signed a modification for {$78000.00}. XXXX XXXX leaves out that I was coerced into signing the document because Shellpoint threatened to take back the mortgage if I did not. However, I raised these questions with XXXX XXXX and XXXX XXXX at the time. XXXX XXXX also said that if I did not sign the document that Shellpoint could take it back. Additionally, Shellpoint had to reduce the incorrect XXXX because they had overcharged taken my escrow money and not applied it to reduce the principal. Thus, Shellpoint can reduce this amount. The modification can be corrected for errors. 

XXXX XXXX states they have gotten similar requests in hopes that CFPB will close the case. However, XXXX XXXX has not address providing the workout. Shellpoint claims that I did not qualify but again do not provide anything other than there altered records over estimating the amount of payments that I missed. 

XXXX XXXX keeps stating the 1098 was correct because they used XXXX. She does not state what the mortage amount due was in XXXX of XXXX.
Consumer complaint received 2023-11-13
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. (NY)

These accounts greatly affect my credit history, I want it to be reviewed and the negative information removed 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
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NY)

Reason : ADVERSE ACTION On XX/XX/2023 I was denied an extension of credit by Discover Bank when I applied for a Discover Card. 

As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code 1691c you assume civil liability pursuant to 15 U.S Code 1691e. Discover Bank violated my federally protected consumer rights. Treating me less favorable than other applicants for any reason is discrimination. Pursuant 15 USC 1691a ( d ) It is my right to be granted credit by Discover Bank.

1 ) 15 USC 1691 2 ) 12 CFR 1002 Since the letter sent to me dated XX/XX/2023 is both proof and evidence that I have been discriminated against, you are also criminally liable. There is no statute of limitation on fraud. Discover Bank should strongly consider resorting to reasonable procedures to rectify this affair and compensate me for the use of my securities. Otherwise, this would be considered securities fraud since I have received NO BENEFIT from my tender of collateral. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
Consumer complaint received 2023-09-22
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: Experian Information Solutions Inc. (TX)

My concern about inaccurate information appearing on my credit report is formally expressed in this letter. I am convinced that the errors in the report are a misrepresentation of my financial background and that they need to be corrected right away after a careful examination of the report 's contents.

I'm confident that you are qualified and required to look into my concerns right away under the terms of the Fair Credit Reporting Act ( FCRA ), in accordance with the FCRA. As a consumer, I have every right to make this request, especially given that the disputed information significantly affects my credit score.

Furthermore, it's crucial to understand that this procedure is not just a request but rather a requirement of the FCRA. Section 611 ( 15 U. S. C. ) mandates credit reporting agencies. S. C. 1681i ) to carry out an investigation into disputed items within 30 days of receiving a dispute letter. The announcement made today serves as that notice and sets the timer for this contractually required deadline.

I look forward to having full cooperation from you and a careful analysis of the pointed out problems. I have no doubt that once you look into this matter, you'll find that the disputed details don't match up with my actual credit history. I trust you to report things accurately, and I hope this issue can be resolved quickly.

Now that the investigation is underway, I would appreciate regular updates. To ensure that the information reported is entirely accurate, it is in both of our interests. FTC regulations state that upholding this level of accuracy is essential for fostering ethical behavior and defending consumer rights.

Finally, I have no doubt that you will adhere to the FCRA 's rules and the fairness that the Act encourages. I appreciate your commitment to a swift and complete resolution of this matter. We appreciate all that you do to guarantee the accuracy of consumer credit information.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD (TX)

I have six student loans with HH Loans and each loan shows up individually on my XXXX report, please see the attachment labeled " HHLoans Late Payment Data ''. 

You will also see each of them has corresponding " late payments '', and the details of these late payments posted can be seen by reviewing the listed attachments " Loan XXXX - XXXX. 

I have tried helplessly to work with HHLoans on two goals via phone and email with their support staff to no avail : ( 1 ) These six individual loan entries on my XXXX credit report, all with late payments, are preventing me from repairing my credit. On the HHLoans website, while they do list loans individually, they combine the total balance of loans and you make payments across all the loans when you make a payment, not individually. These six loans need to be combined into one loan, with any corresponding late payments, as opposed to what is listed currently. 

( 2 ) I previously spoke with HHLoans a few times now on the phone over the late payment information that is showing on my account. I need this information reviewed in entirety for each loan. In the attachment " XX/XX/XXXX to XX/XX/2020 '', this was an email from HHLoans stating loans would be in forbearance from XX/XX/XXXX to XX/XX/XXXX. I called before this forbearance ended and was told I was not eligible to continue forbearance, even when I had not yet found a job after graduating. 

I spoke with someone last month who said that should not of been the case, and that forbearance after XX/XX/XXXX was still being granted upon request. I could not pay, and was also told false information ( whether by mistake or not ) I am unsure, but I would like associated late payments which any account holder was qualified to be under forbearance removed as I was told I was not able to, when indeed, I was.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Louisiana Recovery Services Inc. (TX)

No written consent or permissible purpose to report on my credit report. Thats fraud and identity theft Im asking XXXX $ per violation of my rights and to block and remove information reported. Pursuant to 15usc1681 and also Im asking XXXX dollars for knowingly and willingly reporting false and inaccurate information pursuant to 18usc1001.
Consumer complaint received 2023-09-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (NC)

I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. This reporting is in violation of my rights in accordance to HIPPA laws
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

My father XXXX XXXX XXXX XXXX and I received AMEX credit card spending offer from AMEX. The offer requires $ XXXX spending for {$200.00} credit. 

Here is the offer term : Offer valid only on room rate and room charges at the following XXXX XXXX participating hotels in the U.S. and U.S. TerritoriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reservations must be made online at XXXX  via the XXXX XXXX App We booked the XXXX, XXXX XXXX XXXX XXXXXXXX. Each of us spend $ XXXX on room charges, posted on XX/XX/2023. However, AMEX told us our transactions are not eligible because the hotel property is not in their list. 

But the offer does not disclose any property list in the term. It only specify that customer only need to stay in the specify hotel brands to be eligible offer. And we did that and met all other requirements
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (NC)

my innovis consumer report has inaccurate information about my address. Its showing various address for me on the reports and this is not correct. Am requestiing proof and statement where it shows that those address only except the one I am sending documents are my address if not provided I am demanding that this be updated to my correct and only address. There are screenshot of supporting documents showing my correct and only address that should be reporting on any reporting agencys
Consumer complaint received 2023-12-25
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. (MD)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Dear Trans Union LLC. 

I had previously disputed account data and account status to you. The account listed as XXXX. XXXX are closed with XXXX balance. I had sent you a dispute and the results of he dispute are inaccurate. You are responsible for the inaccuracies reported and any negative balance details associated with your errors and negligence. You are responsible for verifying the account information and reporting the account status. If the account information, balance and account status continues to be reported inaccurate I will contact an attorney and proceed with an FCFRA lawsuit against Trans Union for willful non-compliance. 

You are responsible to verify the account information with XXXX XXXX XXXX. 

1. Account closedXXXX XXXX balance 2. Account balances Please correct the inaccurate information XXXX XXXX
Consumer complaint received 2023-12-25
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. (MD)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (NY)

Hello, i am reaching out to you because i am being sued by a creditor named Midland Funding LLC, I received a summons from Midland in XXXX of XXXX and answered it. I was given a pre-trial hearing which i attended earlier this morning XX/XX/XXXX. During the hearing the Judge asked me and the Plantiff 's attorney to talk about the case one on one outside before he began. While speaking with Midlands Attorney he asked me what i wanted to do with the account? I advised him the Summons i answered did not have the original creditors name on it or indicate the amount or amount being claimed that i owe, I also asked him if he had record of the last payment made to the original creditor and he advised me the last payment made was in XXXX. I advised the attorney the Statutes of limitations for this debt appears to have expired based on New York State Law. He pretty much acknowledge this but stated he only goes by what he is given to work with? That said, he advised me he would ask the Judge to adjourn the case for 45 to 60 days for discovery, and i agreed. I am reaching out because i feel the Midland is suing even though they may be aware the Statutes of limitations has expired.