davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
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. (NJ)

Despite the multiple previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$360000.00}.
Consumer complaint received 2023-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THIS IS FOLLOW UP FROM MY PREVIOUS COMPLAINT. 

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit 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
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

To whom it may concern I am writing to inform you that I recently attempted to contact XXXX XXXX XXXX which is listed on my credit report under # XXXX at the address provided. Unfortunately, the letter I sent via USPS CMRRR was returned to me undeliverable with the reason being that the company 's forwarding address had expired, and it is not located at the address mentioned on my credit report. Please find enclosed a copy of the envelope for your review. 
As a responsible credit reporting agency, you are required under 15 U.S.C. 1681i of the ( FCRA ), and other applicable laws, to ensure that you report only accurate information. However, I have reason to believe that inaccurate information has been repeatedly reported in response to my credit report requests, as well as when lenders view my report. This violation of federal law has caused me considerable damage in terms of my reputation among lenders and the terms of loans I receive. 
To amicably resolve this matter, I request that within five days of receiving this letter, you delete the negative trade line associated with this complaint from my file, as prescribed by the FCRA. Failure to comply with this demand will leave me no choice but to seek legal assistance, including filing grievances with the Attorney General and the Federal Trade Commission. 
Please find enclosed copies of my identifying information to prove my identity. I trust that you will expedite the conclusion of this matter and provide a satisfactory resolution. 
Sincerely,
Consumer complaint received 2018-10-26
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get this item off my credit report so I can move on with my life. 1. XXXX XXXX ( Transunion and XXXX )
Consumer complaint received 2018-10-26
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. (TN)

I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and TrasnUnion LLC, XXXX Credit Bureau, and XXXX  Credit Bureau are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact TrasnUnion LLC, XXXX Credit Bureau, and XXXX Credit Bureau about their illegal behavior and have them comply with federal law and respect the rights of identity theft victims, such as myself.
Consumer complaint received 2018-10-26
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. (NJ)

I filed a dispute with transunion. They did their investigation and came up with the conclusion that the old account was indeed mine. Ok that is fine. The problem with that was after that dispute my credit score went down 61 points. They said other things affected the credit score but on the report it says no new changes. The only thing i can see was when they  updated that dispute. called Transunion and they said nothing can be done.
Consumer complaint received 2024-03-22
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. (GA)

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 XXXX Account Name : XXXX  Account 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 2018-10-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (NV)

In XX/XX/XXXX I bought a XXXX XXXX XXXX XXXX from XXXX/Bridgecrest always made my payments, I was not perfect but made sure the payments were made. I had the car 10 months and, paid every month tell XX/XX/XXXX the car was totaled XX/XX/XXXX it was signed over to XXXX XXXX XXXX XXXX XX/XX/XXXX, it is at a auction house I no longer own or, have had the car since XX/XX/XXXX. I still was nice and, made payments for a month and, a hafe after I signed it over to the insuance company. I also have Gap, and full drivecare gps warrantys on the car that I paid an extra XXXX for. Bridgecrest/XXXX got the insurance check for XXXX and, is still trying to bill me XXXX for a car I no longer own or have. with them getting refunded all the warrantys and, gap plus gps that I did not get to use for the five year contract this car should be paid off. This is effecting me as, they think they can double dip get me to pay for something I do not own or even have. I bought gap in case something like this happened. This is not right or fair. I am stuck without and, have XXXX XXXX XXXX bills due to a XXXX  injury, and I have to pay that out of pocket, but I had every warranty known to man on that car through XXXX, and they want to bill me XXXX.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I am a federally protected consumer who is guaranteed rights and protections pursuant to the FCRA and FDCPA. On XX/XX/2024, I provided adequate notice to the Consumer Reporting Agencies ( Experian, XXXX and XXXX ) that information in my consumer file such as false names addresses and my non public information needed to be deleted and removed from my consumer report. I only have 1 name 1 address that i receive information. I demand a deletion of all personal identifiable information from my consumer report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX North Carolina Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX  Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX North Carolina XXXX These inaccuracies has to stop, you are causing me embarrassment and impeding my right to fairness. DELETE IT NOW
Consumer complaint received 2023-11-22
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. (NJ)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not includ any report containing information solely as transactions or experiences between the consumer and the person making the report 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 2018-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio account # XXXX. I have contacted Portfolio recovery associates several times attempting to figure out why they list a collection debt of a credit card not even showing on my report? 

I have mailed twice ( XX/XX/XXXX and XX/XX/XXXX ) asking who this debt belongs to as I have no XXXX XXXX on any bureau and do not know who portfolio recovery associates are. 

I have also disputed this with all 3 credit bureaus. I have asked to see original signed documents of the debt I owe PRA and a contract or something with my identity. The name they even have on their letterhead and billing is incorrect. I have yet to receive anything other than a statement from XXXX? I need to know who and what is going on. A statement ( s ) with not even my name proves nothing to me. 

I never did business with this company. I do not owe them any money as I never signed for a credit card, have business, or a contract with them. 

They are refusing to remove this account from all three credit reporting bureaus. I am appalled that anyone can claim to be you and report repeatedly information that isn't even correct.
Consumer complaint received 2018-10-26
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. (MS)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, CFPB please step up and eradicate Bankruptcy chapter XXXX-dismissed XXXX
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am desperately trying again to correct certain inaccurate late payments showing on my credit report during XXXX. 

Historical late payments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2023-02-20
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 — Problem with personal statement of dispute
Company: Affirm Holdings, Inc (IL)

The account was paid & closed reached out asked for removal. Since it was paid & asked to be removed. But was not done the account is paid and its hendering my credit. When the account is paid but closed & asked to be removed if paid.
Consumer complaint received 2023-05-24
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. (FL)

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 2023-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I HAVE THIS INCORRECT INFORMATION THAT I DON'T WANT, YOU CAN REVIEW AND REMOVE THIS FROM MY REPORT I DON'T WANT IT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect
Consumer complaint received 2023-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

I received a XXXX XXXX XXXX giftcard, and redeemed the giftcard through the XXXX XXXX XXXX website. I had already created an account and linked my Nelnet student loan. XXXX XXXX XXXX confirmed that the payment had been sent to Nelnet on XX/XX/12, however no payment has been made to my loan.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX accounts : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (NJ)

There are insurance that I've been paying for since 2020. i requested paperwork, to review. The company is being very aggressive, rude and harassing about payments. Unnecessary aggression over the phone. The payment isn't even due yet.
Consumer complaint received 2020-07-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (OH)

My monthly mortgage is {$1000.00} due on the first of each month. The loan is an FHA loan serviced through Amerihome Mortgage. We have been unable to pay the mortgage payment that was due XXXX due to financial hardships related to COVID 19. I did research on the HUD website and found that forbearance options are available to everyone who is experiencing a hardship if they have a federally backed loan up to 180 days through the CARES Act. I called Amerihome yesterday afternoon and was told that my husband and I would not quality for this federal government assistance because we are currently in a chapter XXXX bankruptcy repayment plan. I have done a lot of research and have not found any information that states that this would disqualify us for the forbearance assistance. I was told by the person on the phone that I don't need to worry and that I should just let my mortgage get even further behind if I need to because they are not aggressively pursuing foreclosures. I do not want to do that. I want to get help now before things escalate further, and I believe it is our right to get his assistance. Please help me. This seems so wrong and I feel targeted because I am trying to do the right things with my finances during this challenging time.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC. (SC)

I received a addendum to retail contract from XXXX XXXX  in which I never saw nor sign stating that I owe a debt. Again never did I give XXXX XXXX, XXXX XXXX XXXX permission to share nor sell my personal information. These company have stolen my identity and made fraudulent contract. XXXX XXXX has made false report to the credit reporting agency, and now they are reporting false and inaccurate information on my report. I had to file identity theft report in which I have attached for the record. I have also attached a copy of the contact that I received from XXXX XXXX. 
.