davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (ID)

I do not have any loans prior to Fall XXXX semester, which is in good standing. My spring XXXX loan is the one that is very messed up. I have XXXX more years of school and interest has been deferred on all student loans until XXXX XXXX ( XXXX months after I am to graduate ). I was not contacted by the provider, XXXX, at all and they did not contact my references. I got an email in XXXX stating that my loan has been transferred to them and welcome. XXXX XXXX they sent me an email stating I can setup my online account. XXXX XXXX they email stating they have been trying to contact me via mail and phone calls ; this is completely false. I never got a single piece of mail from them and not a single phone call. I signed into my account shortly after receiving the email that they haven't been able to contact me and there were no notifications. I verified that all of the information is correct. By XX/XX/XXXX, they have sent a notification to my credit report saying they havent been able to contact me and it dropped my credit score XXXX points. I have contacted both XXXX, sat on hold for hours with no one ever picking up, and Experian twice disputing this credit score update. Experian closed my first dispute stating that they tried to contact XXXX but they havent responded even though its been over a month. The second dispute, they wrote that XXXX was able to get ahold of me. I was the XXXX who contacted both XXXX and Experian, not the other way around. My credit score still hasnt been updated. I went from an excellent credit score with all of the correct marks to poor. No one is fixing it. I have contacted my school, Experian, XXXX, and this agency so far. I will have to get a new or renew my lease for my apartment soon so I need my score to be updated before then.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have reported the inaccuracy of this account to Experian, XXXX and XXXX more than three ( 3 ) times. Yet XXXX, XXXX and experian continue to report the inaccuracy of this account by negligently and recklessly including the correct amount of the balance to include the cents in the XXXX system and XXXX systems. Specifically, XXXX, XXXX, and experian have violates my rights under 15 USC 1666 and 15 USC 1681, and FCRA, FDCPA and UDAAP. Attached are the statements for XXXX XXXX  XXXX which includes the cents yet it is missing from my credit report. Each attached statement reflects a " new balance '' that includes BOTH the dollars and cents amount due. That information must be reflected accurately on both my credit report and in the credit file.
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: Experian Information Solutions Inc. (MS)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
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. (CA)

I have sent documentation to Experian. as a victim of identity theft is required. Experian chose to run afoul of the Federal Fair Credit reporting Act ( FCRA ) by choosing to ignore consumer requests, Experian has not abided by Federal law which is required to do so. I continued to be harmed by Experian. I am unable to purchase a home because Experian chooses to make me a slave by imposing corporate COMPANY policy ON MY LIFE which is not FEDERAL LAW. THIS ISSUE HAS TO BE RESOLVED ONCE AN FOR ALL. CFPB YOUR HELP IS APPRECIATED
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to file a complaint regarding the initial attempt to remove fraudulent items from my credit report. Recently, I discovered fraudulent activity on my credit report, including unauthorized accounts and transactions that were opened and conducted without my knowledge or consent. These fraudulent items are severely impacting my creditworthiness and financial standing, and I took immediate action to address them by reporting the fraud to the relevant credit reporting agencies. Despite my prompt reporting of the fraudulent activity and submission of all required documentation, including police reports and affidavits, the credit reporting agencies failed to take appropriate action to remove these fraudulent items from my creditreport during the initial attempt. This failure to promptly address the fraudulent activity on my credit report has resulted in significant financial and emotional distress. I have been denied credit opportunities and have incurred additional expenses as a result of the fraudulent accounts and transactions appearing on my credit report. I request that you intervene to ensure that the credit reporting agencies fulfill their obligations under the Fair Credit Reporting Act ( FCRA ) and promptly remove these fraudulent items from my credit report. Additionally, I request appropriate restitution for any damages suffered as a result of the credit reporting agencies ' failure to address this issue in a timely and satisfactory manner. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX  XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$5600.00}.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (FL)

I have no knowledge of this account which is roommate got my identity information I was not aware of. which is causing my credit report to go bad. also, I asked the company to show me the proof of paperwork and they failed to provide it. and that's why I need your kind concern to resolve it. thank you.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Proof of me signing documents. Opened collection i have not been paying since i seen this company but it says i paid XXXX never sent anything. Tell them to send payment details please if cant remove this company i dont even know them
Consumer complaint received 2024-04-26
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. (CA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15usc1681 section 602 states have i have right to privacy 15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 uses 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-01-05
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. (KS)

This is to call the attention of concerned that there has been an improper use of my credit report which has result to someone unauthorized inquiries on my report, I will like this error addressed in a timely manner.I do not authorize nor benefit from any of the following inquiries, reporting irregularities is a violation to my consumer rights kindly remove all inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hunt & Henriques (CA)

Hunt & Henriques, LLP is harassing me claiming that I owe on a debt which was opened due to identity theft. I've submitted a police report, ftc identity theft report & a cease & desist letter and they're still harassing me claiming they're going to file a lawsuit against me. I need them to cease & desist all collection action per FDCPA regulations. Additionally the alleged creditor ( XXXX XXXX XXXX XXXX ) is also violating FCRA & FDCPA laws. I never applied for the alleged account nor do they have any permissible purpose to report or collect on the alleged debt. 1681b states they must have been given permission. I never signed anything which gave them any. No consent is fraud.
Consumer complaint received 2024-02-03
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)

Un-Authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
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. (IL)

I kindly request you to see the attached documents. I want the bureau to commence an investigation into these accounts, as I have never been late, despite erroneous reports.
Consumer complaint received 2023-08-30
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Supreme Lending (AL)

I got a refinance from Supreme Lending out of XXXX, XXXX ( XXXX XXXX ) and because of a miss communication they have denied me the new loan. I have a XXXX XXXX years ago. I dont do well under pressure. Its now XXXX months behind. I got a lawyer group to do this for me and they screwed it up. I had to give them {$3700.00} retainer. Im screwed I think. XXXX XXXX is the firm. XXXX. Im not well and they knew this. Please help Im at XXXX or email XXXX The XXXX referred me to you
Consumer complaint received 2023-07-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENOVA INTERNATIONAL, INC. (GA)

I have attempted to contact this company several times about this account being fraudulent and they have informed me to get a police report about the identity theft but the police stated they cant produce a police report for an loan that was taken out online, but yet this has continued to affect my credit for several with attempts to collect on debt I did not authorize. I need to know what other ways I can get this removed from my credit so I can put this behind me and start rebuilding the damage this fraudulent account has caused me because this company is not assisting me with that other than just saying I need a police report when I cant obtain one with his type of fraud.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

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 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-05
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. (GA)

I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that 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 is not information 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 XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2024-01-05
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. (MO)

In XXXX of 2016 My wallet was lost that included my drivers license, social security card, and other forms of identification outside of my house and since then there have been sev-eral fraudulent account opened in my name student loans, utility bills, car loans, credit cards, home leases, student loans and I dont know what elese. I have filed a police report as well. I would like for all these items to be deleted from my credit profile. 
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Consumer complaint received 2023-07-30
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. (FL)

Around XXXX months ago, I noticed that the name " XXXX XXXX '' was being reported on my XXXX XXXX account by TransUnion. I took the initiative to request the removal of this name, and they successfully removed it. However, in XXXX, I faced a denial for a bank account due to XXXX. Upon obtaining my report, I was surprised to find that the name " XXXX XXXX '' is still being reported, either by TransUnion or XXXX XXXX, or both. This misinformation is not only inaccurate but also illegal, as it's negatively affecting my financial opportunities.
Consumer complaint received 2023-04-28
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. (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, AR XXXX ; XXXX XXXX Balance Owed : {$1300.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$680.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$190.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-29
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. (NJ)

I feel completely violated by the bureaus and the following 3rd parties, at the top of the year I went to apply for a mortgage and I was denied after learning that my reports were all wrong. I saw a few accounts that are being reporting without my knowledge nor consent. XXXX, Equifax and XXXX XXXX has helped them get away with it by furnishing these account that were not once verified by me nor my spouse. No consent is identity theft and I don't appreciate it.These incorrect items are harmfully blocking me from extend my rights to lines of credit. As it it my written request to delete the following.