davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

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.
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2018-11-19
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (OK)

I had approximately {$26000.00} in loans from various companies when I finished school. I quickly decided to consolidate, I notified all of the companies. I had no problems until I discovered that everything was transferred to XXXX but around {$2500.00} was somehow left with NAVIENT. NAVIENT reported me as late. I have maintained a near perfect credit score all of my life but what was a in the 780s range is now in the 560s range. NAVIENT will not help my although I have mailed in every possible document, I have email them many time and spent hours on the phone. I have spoken with the Department of the Customer Advocate many times. All I get told is that there is nothing they can do. I have spent countless house researching what went wrong and I admit that I did make a few mistakes during the consolidation process but at this point I feel that NAVIENT is simply unwilling to review this mishap or take into consideration that I have never had a late or missed payment in my life which is why my credit score was almost perfect. 

NAVIENT can not send a letter detailing conversations and say they consider the matter closed and expect this to go away.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2024-04-15
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. (TX)

I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-12-06
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. (DC)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this
Consumer complaint received 2023-12-06
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. (MN)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identities as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Consumer complaint received 2024-07-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PENNSYLVANIA HOUSING FINANCE AGENCY (PA)

We have a loan with Pennsylvania Housing Finance Agency. When I lost my XXXX XXXX I called them to tell them I couldn't make my payment. This was XX/XX/year>. They said that they couldn't do anything until it was XXXX months behind. We received an XXXX XXXXXXXX. We went to get XXXX, through XXXX. PHFA claimed that they didn't receive it and that we didn't qualify. They then proceeded to send us paperwork to fill out. We filled out everything they sent. In XXXX I had {$2000.00} from an annuity, I called them to make a payment. The PHFA sent me to their lawyer who proceeded to tell me that I couldn't make payments, it's all or nothing. It seemed like they wanted the whole {$77000.00}. In XXXX XXXX, the lawyer told the judge that they would work with us and we could make payments. We just got a paper from them that states we have to pay full back due amount and they will not accept partial payments. They told us to reapply for XXXX and PAHAF. We did over a month ago, twice. We have a guaranteed XXXX  backed loan and we're trying to talk to the PHFA but they just send us to the lawyer who says she doesn't know what it is or anything. There's no communication with PHFA, we want to save our home.
Consumer complaint received 2023-12-06
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)

Dear TransUnion I have one question? Why does your company continue to disregard the law when all Im trying to do is get this inaccurate information off of my credit report? You sent me an updated credit report stating the account was verified, but you did not tell me how. I read somewhere on the internet that your company use a computerized system called E-Oscar to process disputes. Is that correct? You dont call the creditors to verify this information? I also read on the internet, that you dont really verify the items ; you just look in your computer and verify that way. That is not what your company is supposed to do. You are supposed to do a true investigation according to the laws put in place to protect me. The account below is damaging. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. I need this fixed ASAP. 30 days should be enough. 

When I talked with the furnisher they could not provide me with an explanation on why this account is reporting inaccurate. That is strange because they are the ones who put it on my credit report. Dont worry ; I will hold them accountable for their actions. I dont want to seek legal advice to protect my rights, but I will if this inaccurate information is not deleted. 

Please delete the above account and send me a full updated credit report ASAP Waiting.
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (WA)

I am the legal guardian for a deceased person, I must close this account at Chase and use the funds to pay her remaining bills. 
I have been working on this since XX/XX/2023, the banker at Chase sends all the documents to the legal department but nothing happens. The personal banker I've met with frequently since XXXX, does not know why nobody has gotten back to him about this issue, he has never been able to give me any reasons for the delay in closing this account. 
My deceased client has about {$10000.00} in the account. I have to answer to the XXXX XXXX, the hearing has been continued twice now, and still no response from Chase.
Consumer complaint received 2023-12-06
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. (TX)

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. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXXXX/XX/2022
Consumer complaint received 2024-04-15
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)

These credit bureaus keep violating my rights as a consumer. I've giving them multiple attempts to correct these errors. This is my final attempt at getting these items removed permanently. 

According to FCRA Section 605B, it is illegal to report information on my credit report without my permission. 

According to 15 USC 1681 C-2, if a block of information is declined or rescinded under the subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of the information under section 1681i ( a ) ( 5 ) ( B ) of this title.

According to 15 USC 1692g, states that within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt, ( 2 ) the name of the original creditor whom the debt is owed, etc.

According to 15 USC 1666b, a credit may NOT treat a payment on credit card account under an open end consumer credit plan as late for any purpose. 


Accounts to be removed : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( not my address- Remove Immediately ) XXXX XXXX XXXX XXXX XXXX  XXXX ( not my address- Remove Immediately ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX )- Didn't receive my written consent ; the local courts acknowledge that they didn't provide this information to the data furnishers. 

If these accounts are not removed immediately, I will seek civil liability damages of {$1000.00} per violation pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].
Consumer complaint received 2023-12-06
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)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 2023-07-05
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: Experian Information Solutions Inc. (GA)

I REVIEWED MY CREDIT AND SAW THAT SOMEONE HAS APPIED FOR A CAR LOAN WITH MY SOCIAL SECURITY NUMBER. I CALL ALL OF THE CREDITORS LISTED AND NO ONE HAVE AN ACCOUNT OR MY SIGNATURE AND TOLD MY TO DISPUTE IT WITH CREDIT BUREAUS
Consumer complaint received 2018-11-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (GA)

I have reached out to you stating that I've never had a problem with payments. XX/XX/2018 was the 1st time I've ever had any issues. You extended my payments claiming this was the best way so it wont be reported due to my good paying history. The address I have, which is a p.o box is the same p.o box I've been using since the beginning. I agreed to allow you all to extend my loan so I wont be reported. Now here it is XXXX, and I mailed off the XX/XX/XXXX payment XX/XX/2018 to the same address one of the representatives gave me. I have a copy of the letter that was mailed XX/XX/XXXX, along with my full address. If there was a problem, I would have gotten it back a long time ago considering today is XX/XX/XXXX. I see that yall have added extra charges to my account that is not awarded because I have proof, just like I did in XX/XX/XXXX that I did indeed send it. I have receipts, picture of envelope at post office with the correct address that was given to me the day of sending it. Apparently there is no problem with the address, and if it was, why would the representative give me a false address. I want to be treated fairly, and not to be made to continue getting an extension or whatever it's called, just to continue pushing my maturity date up. I feel like since my letter has not returned, that it's just being held knowingly, just so you can tell me you dont have it. Well someone has it because it was not return to the address that on the letter. I would like this resolved without you all putting extra charges on me when it's not my fault. I would like to see the right thing happen, despite the credibility that you all do not have for being fair. I XXXX XXXX, have proof for everything within this complaint to show that I did pay before the 10 day grace period was up that is given before late charges are applied. I pray that this matter can be resolved in a respectful and just manner. 
XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the statutes outlined in 15 US Code 1681 ( e ) and 15 US Code 1681 ( 5 ), this account is in breach for failing to provide completely accurate information. It falsely attributes the bankruptcy court as the source of information, which is deceptive and constitutes forgery, especially considering the court does not typically report such accounts. I hereby formally request the immediate removal of these accounts to uphold the accuracy and reliability of my credit profile, as mandated by law.
Consumer complaint received 2023-12-06
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. (AZ)

Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX Account number : XXXX, Erroneous. 30 days should be enough to correct Last reported dates. 

XXXX : Account number : XXXX, Erroneous. 30 days should be enough to correct Last reported dates. 

XXXX XXXX XXXX : Account number : XXXX, Erroneous. 30 days should be enough to correct Last reported dates. 

XXXX XXXX XXXX : Account number : XXXX, Erroneous. 30 days should be enough to correct Last reported dates. 

XXXX : Account number : XXXX, Erroneous. 30 days should be enough to correct Last reported dates. 

XXXX XXXX : Account number : XXXX, Erroneous. 30 days should be enough to correct Last reported dates. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Consumer complaint received 2023-05-23
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. (IL)

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My student loans have been discharged by the courts as of XX/XX/2024. XXXX department of education refuses to correct the problem. Please help fix this. My account with department of education shows XXXX XXXX but I am XXXX XXXX XXXX
Consumer complaint received 2023-12-06
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. (AZ)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Conatcted XXXX XXXX, XXXX XXXX and disputed witb transunion so XXXX XXXX got one loan started paying back lost contact it went into collections i got a letter a year ago stating that it was no longer owed i was given a good will forgivenss and its no longer there well on credit report it still shows and now it says i owe it twice when i only did once and it was forgiven!!! Then XXXX XXXX says i got a loan in XXXX of 2022 in north carolina i libe in ky conatcted them they tried to say its legit i kmow its identity theft for i have never eveb traveled to north carolina same disputed with transunion and once again NOTHING THIS IS DAMAGING MY CREDIT and idk what to do please help me!!!!
Consumer complaint received 2023-12-06
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

There are multiple issues on my credit report from Equifax and XXXX XXXX. There are several accounts that have been closed & in collections for years and have exceeded the timeline for which they can still be on a credit report still on my report. Amounts on several of my accounts are wrong. Personal information such as spelling of name and addresses are wrong. 
I have written and called this company more than once. They claim they will fix the issues but never do. 
There is 100 points difference in my score when you compare Equifax to XXXX. With Equifax being 100 points less.