davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

On XX/XX/2023, I sent the attached request to XXXX XXXX and they received the request on XX/XX/2023. I have not received any correspondence back. The information in my consumer report is reflecting inaccurately. I would like this account to be investigated as according to my records it is reflecting inaccurately and I havent been able to get in contact with the creditor.
Consumer complaint received 2023-12-26
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. (TN)

I need these inaccurate accounts to be removed ASAP XXXX. Late payment from XXXX XXXX XXXX Date of Late Payment : XX/XX/XXXX XXXX. Hard Inquiry from XXXX XXXX XXXX Date of Hard Inquiry : XX/XX/XXXX XXXX. Hard Inquiry from XXXX XXXX XXXX  Date of Hard Inquiry : XX/XX/XXXX XXXX. Hard Inquiry from XXXX XXXX XXXX  Date of Hard Inquiry : XX/XX/XXXX Thanks,
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

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 Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2024-04-22
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. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (CA)

To : Consumer Finance Protection Bureau. Mortgage complaint I have been overcharged {$96000.00} by SN Servicing, XXXX XXXX XXXX, XXXX, Ca. XXXX. 
I am a XXXX XXXX 

My accounting history is ATTACHED. The SN CEO, XXXX XXXX XXXX XXXX, XXXX XXXX and others REFUSE to have good faith discussions with me. 

I did a Qualified Written Request under the Real Estate Settlement Procedures Act and SN Servicing did not cooperate. 

I appealed this to the XXXX XXXX XXXX and the XXXX XXXX. The XXXX XXXX has marked this situation as SN Servicing being uncooperative ( notice ATTACHED ).

SN Servicing have bullied me by returning my mortgage payment check and putting me into foreclosure, even though I make all my payments on time. They are robbing me and silencing me. 

Please investigate this violation of my consumer rights. 

Sincerely,
Consumer complaint received 2024-04-22
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. (MD)

I have recently gotten an apartment. My 3 score XXXX credit score is XXXX ; and I have my other documents with the individual ones. Equifax and XXXX are reporting it XX/XX/year> as XXXX ; which is absolutely absurd and XX/XX/year> at XXXX. I have called them 5 different times ; 2 hang ups ; and multiple disputes and emails with no resolve or care. this is highly illegal.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$64000.00} ; XXXX XXXX XXXXXXXX Balance : {$370000.00} ; XXXX XXXX  XXXX Balance : -.
Consumer complaint received 2023-12-26
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. (NC)

XXXX5 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 identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the inquiries, listed IMMEDIATELY!

Ive submitted proof of Identification card, Social Security card
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The company made false reports of my account being delinquent during COVID19. The account is also being false reported as XXXX accounts when is actually only XXXX that the XXXX XXXX XXXX XXXX is responsible for as agreed in mitigation back in 2013 for collecting tutition against the tuition expempt and making unsafe/ unsound scrutiny against orphans/wards of the court against Florida and Federal Law.
Consumer complaint received 2023-12-26
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. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2022-12-13
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. (CA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX please 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 2023-12-26
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. (NY)

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  XXXX has violated my rights Account number ( XXXX ) account name XXXX XXXX XXXX XXXX XXXX has violated my rights Account number XXXX account name XXXX XXXX XXXX has violated my rights Account number XXXX account name XXXX XXXX XXXX XXXX has violated my rights Account number XXXX Account name XXXX XXXX XXXX XXXX has violated my rights Account Number XXXX Account name 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 2024-04-22
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. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-12-26
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2020-07-27
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. (PR)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : CALL XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN HONDA FINANCE CORP (CA)

XX/XX/XXXX i entered into a consumer credit transaction with Honda XXXX XXXX and I have noticed that the XXXX and HFS have closed my claim as I was not provided proof of the investigation and have yet to acknowledge my request and they are still demanding payment when the Credit card already paid for the property for my personal and family use. I have yet to receive a billing statement that comes in the mail so I can accept the offer and have them transfer the Pricipal balance to the Principal account for set off. However, there are violations in the contract that they had me sign and now I am exercising my rights as the Agent on behalf of the Principal account. I have asked for all transactions and all copies of all history of statements, ledger, bills, disclosures and I demanded the account in connection to the credit card that I use for consumer credit transactions. I have had a few goods purchased since the year XXXX. I am in need of all my statements from day one and all contracts and applications, ciontracts, receipts of down payments with Honda Financial Services, They are ignoring my requests which puts them at fault and the burden of proof is on them. 

I also have comprehended that this last transaction on XX/XX/XXXX is also inaccurate and they have violations that needs to be paid to me within 10 days. I also have proven that the contract is null and void due to the contract violations that I have attached herein. 
I demand that HFS and Honda XXXX prove their claim and provide supporting evidence that they did follow the requirements in the law. I can assure you all that the dealership or financial institution factors, requirements, rules, guidelines do not supersede Federal Law. Please have them Prove me wrong. and they must with the help of the CFPB to do as full and thorough investigation and not a lousy incomplete investigation like last time. I do not have time to go back and forth as this is a waste of my valuable time. Help me get this matter resolved and have them issue me a violation check in the amount they are in violation for according to the Law. And I am trying to get this matter handled as quick as possible. DO NOT CLOSE THIS claim without proper due diligence. 
I need all hard copies of my requested items listed above to be mailed to me at my location as follows : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. Make sure they send via postal mail and I expect this to all be completed in 10 days or less.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (LA)

Equifax continues to furnish Previously Confirmed deleted Inquiries. I was assured months ago that XXXX XXXX XXXX XXXX XXXXXXXX  XXXX & XXXX XXXX XXXX XXXXXXXX Inquiries were Deleted but hadn't updated. I've also included previous FTC report
Consumer complaint received 2023-11-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC (NY)

Fay XXXX  services failed to notify me of a seriously delinquent mortgage from XXXX through XX/XX/2023. I have requested FULL payment history for the last XXXX  months to verify accuracy of information submitted to CRAs. I have an absolute right to this information which they are denying me!
Consumer complaint received 2023-12-26
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-25
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. (MT)

XXXX XXXX XXXX ( Original Creditor - XXXX XXXX Account Type : Debt Buyer ) : # 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 2017-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

To whom it may concern on  XX/XX/XXXX  I opened a Capital One card. My limit was {$30000.00} and I had a perfect credit scores in the high   XXXX   range, never missed payments on none of my 27 accounts. I got a call and letter from Capital One stating they see weird activity on my account and they closed the account, the account was also maxed to the credit limit which I never even gotten to use the card. The {$40000.00} charges to my Capital One card does not and was not incurred by me and I did not authorize anyone to use my card. This account was closed and charged off on  XX/XX/XXXX  however it is still accruing interests till this day.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

It is TRANSUNIONs duty to report correct and accurate information on my credit report and file, however they are NOT.

TRANSUNION is reporting 1 inaccurate late payments for the XXXX XXXX XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/XXXX for this account. 

In addition, TRANSUNION is reporting 3 late payments for the XXXX XXXX XXXX XXXX account. This includes 30 day late payments posted in XXXX, XXXX and XX/XX/XXXX for this account. 

In addition, TRANSUNION is reporting 3 late payments for the XXXX XXXX XXXX account. This includes 30 day late payments posted in XXXX, XXXX and XX/XX/XXXX for this account. 

In addition, TRANSUNION is reporting 1 late payment for the XXXX XXXX account. This includes a 60 day late payment posted in XX/XX/XXXX for this account. 

These are incorrect and need to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (NJ)

on XX/XX/XXXX i disputed a closed collection case with a past due balance. The account was open in XXXX in which it should be deleted due to new jersey statute of limitations. 

n I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is listed as, having a BALANCE of {$810.00}. 
This is a violation of the FCRA and is in violation of requisite Compliant reporting standards. According to the Fair credit Reporting Act I have the right to a completely accurate credit report,
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (PR)

I started checking my credit for innacurate information this year. I have disputed this fraudulent account many times via XXXX  and XXXX. It still appears on my credit report. I even put out a fraud alert. I do not recognize this account. Please delete it from my credit file.