davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I comprehend that under FCRA XXXX, it's crucial to eliminate any incorrect accounts from my credit report. Would you mind examining the documents? I've observed that numerous of the listed accounts appear to be inaccurate, which is causing me concern.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (MI)

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 XXXX XXXX XXXX. 

Account name : XXXX  Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX has violated my rights. Or 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 2023-04-15
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: 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 : trust bank account starting with 656000 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 2023-10-02
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. (SC)

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 2023-04-21
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: Kikoff Inc. (NJ)

In accordance with the Fair Credit Reporting Act KIKOFF LENDING LLC Account number 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 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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I contacted XXXX, TransUnion, XXXX and XXXX starting XX/XX/XXXX numerous of times informing them that they are reporting late payments on my student loan during the time of federal loan student forbearance. The Department of Education suspended payments on my federal student loans from XX/XX/XXXX through XXXX. During this suspension period, my loan payments were not missed or late. They were simply deferred in accordance with the CARES Act and its subsequent extensions. However, my credit report incorrectly reflects late payments from XX/XX/XXXX through XX/XX/XXXX. 

TransUnion has responded 4 times saying they made no changes after investigation or they changed something which was not the inaccurate reporting. See attachments. 

XXXX and XXXX never responded. 

XXXX never responded.
Consumer complaint received 2023-04-21
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. (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 2018-08-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Greenlink Financial, LLC (CA)

Received a letter in the mail. Told me my effective credit card debt and effective interest rate ( relatively accurate ). I went to their website, put in the

Eligibility ID #, and filled out my info. The next date, one of their " agents '' called from an " Unknown Caller '' number to my cell phone. He asked me more questions, some of which were unusual -- how much did I owe on my mortgage ; what was the estimated value of my home ; who was my employer -- things I am not usually asked for a personal, unsecured loan. He said he needed " 30 minutes to speak with his underwriter '' and then get back to me. I told him I would be in meetings until noon or later.

We spoke that afternoon. He said because my " credit utilization ratio was 85 %, they could not approve my loan '' ( the mailer offered me $ XXXX at 5.49 %, with no disclaimer about being for highest credit ratings, etc ). I laughed because I knew this guy was lying ; I had just looked at my credit report ( my bank, XXXX, provides it for me ) and my utilization ratio is right at 50 %. I asked him how he was calculating it, he listed off ALL my debts ( minus the mortgage ), not just revolving debt. When I said, " that's not how you calculate credit utilizaiton ratio, '' he snarked back " well, we can argue all day about the definition of this but you don't qualify. '' He then said his company usually would want to help me instead and " restructure my debt. '' When I asked what that meant, he said that usually they would offer to get me out of debt but " first you have to stop paying all your bills. '' I told him no thanks.

Also, He said I would need to have ALL debt utilization under 35 % to qualify for that loan ... .. but question, WHY would I need a personal loan to restructure {$45000.00} of credit card debt ( which is what their initial offer was ) if my total debt utilization is under 35 %??? Literally their own " requirements '' make zero sense, especially since they ( at least claim to ) define credit utilization as [ current mortgage debt ] / [ maximum non-mortgage account values ]. That to me smells like a company funneling you into a different product, aka, " stop paying your bills. '' I am reporting this company to the CFPB due to the concern that this was actually just predatory lending and/or a false front to actually attempt to " restructure debt, '' aka con people into letting them present them in debt settlement ( and I don't even know if they are licensed to do so ). At the absolute, it was a heinous use of the " bait & switch. '' Offering someone an unsecured loan and then telling them then need to stop paying their bills is just reprehensible, in my opinion. People need to be protected from companies like this. 

I'm guessing when he heard I was XXXX XXXX, he backed off since he knew he would be in big XXXX trouble had he gone through with predatory lending with someone in the armed forces. 

I attached the actual letter I received from the company
Consumer complaint received 2023-09-01
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. (AL)

I've raised several disputes concerning accounts that aren't mine, but they continue to appear on my credit report. Additionally, I've filed multiple FTC Reports regarding these incorrect accounts. Despite legal obligations, these companies have neglected to address the disputes appropriately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-02
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. (PA)

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 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 2023-04-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I purchased a XXXXXXXX XXXX XXXX through a used car lot called XXXX XXXX XXXX XXXX in XXXX XXXX XXXX of XXXX. The loan was serviced through Credit Acceptance. The owner of the XXXX XXXX XXXX XXXX fraudulent promised me a XXXX XXXXXXXX XXXX and the terms of that loan were already discussed when she claimed the car needed to be cleaned and repaired in which she had me driving a loaner XXXX XXXXXXXX XXXX which is the car I have now. XXXX dollars was put down as the down payment plus another XXXX to guarantee me getting the XXXX XXXX XXXX. She sold the car to someone else and left me with the XXXX. The terms of the loan are outrageous and not even close to the amount we discussed. She emails me all the time asking for more money and her business has since closed.
Consumer complaint received 2023-07-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I filed a dispute with the credit reporting agencies in regard to inaccurate information reporting to my credit reports. I never received any notifications in regard to the investigation results. It now has been 30 days since I filed a 30-day demand to comply with the credit bureaus and still have yet to receive any responses.
Consumer complaint received 2024-04-09
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. (MO)

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 XXXX party. They in fact did not come from a XXXX 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 2024-06-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On or around XXXX XXXX to XXXX XXXX several unauthorized transactions were made from unknown person ( s ) in various amounts from my Chase Bank 's account. The bank did not stop the suspicious transactions ( withdraw ) from my account which proves that the bank has inefficient security system. I became a victim because of banks weak security system. 
The bank initially accepted its fault, and deposited back the money into my account. I immediately withdrew the money after the bank deposited back the amount into my account because I feared that I might get victim again. 

Later, bank argued that it was not banks fault and demanded the money back which it has deposited to my account. The bank even took the amount from my account which I deposited into it. I have not authorized bank to do so. Bank unilaterally made a decision to make me pay the money which it had deposited into my account. The banks illegal and harassing act towards me has made me suffer a lot. 
The amount in controversy is {$9000.00} ( XXXX XXXX dollars ). 
On XXXX XXXX, I sent letters to : ( 1 ) Chase Bank, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, OH XXXX, and JP Morgan Chase Bank, N.A., XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXr , XXXX XXXX  , NY XXXX via certified mail services. I did not receive any responses from both aforementioned places.
Consumer complaint received 2023-04-21
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: CAINE & WEINER COMPANY, INC. (FL)

This Account does not belong to me. 
Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$320.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXX afternoon, My name is XXXX XXXX XXXX XXXX, Re : Removal Request for Inaccurate Information from Credit Report Dear Sir/Madam , I am writing to request the immediate removal of inaccurate information from my credit report. According to my recent credit report, there is an erroneous entry regarding this act of Identity theft. 

XXXX let me thank you for the opportunity to explain my horror story. I was a victim of a car jacking/robbery where my Identity was stolen and used by a thief by the name of XXXX XXXX XXXX The criminal used my ID to purchase high end items and an apartment and was living in it. The Felon is a XXXX Light Skinned XXXX American with gray facial hair, I am a XXXX XXXX XXXX XXXX with no facial hair. The low life that has made my life a living XXXX was actually arrested and apprehended in the apartment that was fruduently leased in my name. I work for the United States XXXX XXXX XXXX and if you look at my credit report this is the only thing keeping me from living my life. XXXX has deleted it already ( Please refer to attachment ) XXXX is in its last steps of deleting it ( Please refer to attachment ), and XXXX has now filed a Fraud Case and should be deleting it shortly. 

I have carefully reviewed my credit report and found that this information is incorrect. I have never had any association with the account mentioned above, and I have never been delinquent on any payment to any creditor. Therefore, I request that you remove this information from my credit report as soon as possible. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information in my credit report. As per 15 U.S. Code 1681b, I am requesting that you take immediate action to correct this erroneous entry and send me a written confirmation of the removal of the information from my credit report. 
Please be advised that failure to comply with my request within the stipulated time frame will result in legal action against your company. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

The reason for this complaint is they claiming that I am 2 months delinquent, when I have XXXX submit a check from my account every month. Every month my payment is always sent from my credit union. My credit union does not lie. PM does.
Consumer complaint received 2023-04-21
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. (NV)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (KY)

I had applied for the Apple Card ( XXXX ) and was denied multiple times for very unfair reasons. My credit report is inaccurate and has fraudulent accounts and collections on it. So therefore i shouldn't be denied for those reasons. I have never missed a payment nor had a credit card go to collections that i had RIGHTFULLY opened with my approval. Apple and Goldman Sachs Bank should approve the application.
Consumer complaint received 2024-04-09
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. (WI)

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. 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 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Loqbox US Inc (NC)

loqbox.com We reviewed your Loqbox Save and have noticed that your auto payments were not initiated on your selected payment date. We apologize for any inconvenience this has caused. Due to this technical issue, we have unlocked your Loqbox Save and will be removing this tradeline from your credit report. This does usually take about 60 days to reflect on all three credit bureaus
Consumer complaint received 2024-04-09
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I see that you verified the account listed below : XXXX : Account number : XXXX, Not correct. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Not correct. Fix, update or delete the information for date open. 

XXXX XXXX : Account number : XXXX, Not correct. Fix, update or delete the information for date open. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2024-04-09
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. (GA)

The following is being reported to my transunion credit report. Someone have opened up fraudulent accounts in my name an collection agency has started a collection on my report stating that I opened up XXXX XXXX XXXX XXXX... Ive never been to XXXX ever... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX These inquiries I have no Knowleged of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Type : Individual Requested On : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX