davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

auto loan is showing incorrect on all bureaus! credit report has not been accurate for months, have given chances to amend CFPB corrected the report but bureaus unlawfully changed payments back to late!! immunizing upon my rights and Im seeking compensation financially and emotional and mental strain XXXX XXXX XXXX XXXX  please fix this back this is destroying my life!! 

pictures added of incorrect payment status differing on each bureau!!
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: Early Warning Services, LLC (IL)

I have Filed Multiple complaints with Early Warnings services and XXXX XXXX about my Identity being stolen and nothing has been done to start correcting my credit report. I have sent in copies of my police report for identity theft and it still hasnt been corrected and just recently XXXX  XXXX XXXX closed my account that was not in the negative without warning or an explanation. I have been blocked from being able to open a decent bank account and I dont think its fair. I should be able to have a legit and credible bank account for my money.
Consumer complaint received 2024-04-01
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. (CT)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was reviewing my credit report and noticed an additional XXXX XXXX XXXX XXXX credit card- with an inquiry dated XX/XX/XXXX. I called the credit card company, who informed me they had sent letters to credit bureaus to update and fix it. After speaking with the Bureaus, they referred me back to the CC company with no results as of today. XXXX  XXXX is aware of the fraud, but the follow-up and the letters have been delayed. 

I am closing on a new home this XXXX, and I need my credit reports updated and reflect the correct informtion. 

Please note I do have a XXXX XXXX XXXX since XXXX, and it's in good standing.
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. (IL)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Delete this account immediately, unless you want to be held accountable {$1000.00} per violation 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. 

XXXXDEPT OF ED : ACCOUNT # XXXX ; DEPT OF EDXXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX ; XXXX XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX XXXX : ACCOUNT # XXXX have 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.

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-23
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)

Transunion is furnishing inaccurate information for the account XXXX  XXXX XXXX XXXX on my credit report. Transunion was notified on XX/XX/2023 that they were reporting incorrect information on an unverified account. Transunion is reporting inconsistent dates for the date last active on this account which is a violation of the FCRA. This information is not credible. Also, the account XXXX XXXX is reporting inaccurately. There is a balance of {$1100.00} reporting when the balance should be {$0.00}. Furthermore, you have re-aged this account. You changed the date last active every month when there has been no activity on this account. XXXX and XXXX have deleted this account. Should you continue in your non-compliance ; the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Please see the attached dispute letter, which is dated, and time stamped.
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. (TX)

Open new checking account at XXXX  XXXX XXXX scheduled appointment XX/XX/XXXX. 45 minutes dealing with XXXX and branch manager XXXX male blue suit. Then because they wont tell you option online or on phone I get an account that I will have to change, I thawed my credit for verification to open and account with XXXX and equivalent but transunion had issues and still unresolved! Error code 301, mixed file? Still no resolution but reported to XXXX. Today XX/XX/XXXX, I get letter attached from XXXX XXXX XXXX stating unable to open an account with credit score indicated. Reasons : status of relationship with inquiring bank as compared to age of the established relationship with any bank, AND NUMBER OF INQUIRIES DURING LAST 30 days. 

I have an account with routing and checking, have all copies of signed documents they hassled me over providing, and deposit slip deposited into said account. Still no debit card, waiting on XXXX to deliver white envelope no tracking 3-4 more business days? The account wont allow checks and is not what I wanted it asked for. Letter states contact XXXX XXXX XXXX? No contact info? I want this resolved in timely manner as this information is incorrect. I have had a bank account continuously for years and previously a mortgage paid off in 2016 with XXXX  XXXX XXXX. Never late! I own my home and car and only get XXXX, live alone and XXXX XXXX! I expect a prompt response and resolution including a follow up letter and removal of negative reporting to all agencies immediately! Will provide an account and routing once acknowledged with XXXX  XXXX XXXX on new account.
Consumer complaint received 2023-11-01
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. (LA)

There are plenty of incidences of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX  XXXX Late Payment {$29000.00} XXXX  XXXX Late Payment {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$850.00} XXXX XXXX XXXX XXXX Collection {$850.00} XXXX  XXXX XXXX Charge-off {$810.00}
Consumer complaint received 2024-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Acrisure Mortgage Partners, LLC (FL)

We tried to purchase a house from Maronda Homes, Maronda homes approved us XXXX XXXX from their XXXX mortgage and asked us to put down payment of XXXX. XXXX to start the house construction which will take XXXX months to finished but it was delayed for XXXX months before Maronda started to building the house. Two months before closing Maronda RMC mortgage told us we were denied based on our student loan on our credit report. If Maronda were to moved forward, we will have the pay the full amount on our credit report and after that Maronda Homes stop communicating with us and refuse to refund us our XXXX
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Please read attached letter and evidence to support my claim that Capital One severely overcharged interest on Capital One 's Identity theft ( XXXX ) and Capital One 's fraudulent credit card take over on both # XXXX & # XXXX Capital One credit cards this 2023 year. Capital One charged interest on fake false billing line entries, increased limit to 30 % illegal and predatory. Capital One moved payments back and forth between cards fraudulently, place fake payments back and forth between XXXX cards and charged huge amounts of fake interest and late fees all this 2023 year. I won disputes and promised interest credit and got XXXX by Capital One. 
I want a BLOCK AND DELETE for # XXXX & # XXXX credit cards OFF ALL CREDIT BUREAUS FOR THIS SCAM from Capital One. ( Predatory lender )
Consumer complaint received 2024-04-23
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. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-11-01
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. (FL)

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 2023-11-01
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)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts 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 REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2023-12-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (GA)

SYNCB CONTINUES TO VIOLATE FDCPA, FCRA, CFPB AND PUBLIC LAWS RULES AND REGUALTIONS AS IT PERTAINS TO DEBT, DEBT DISCHARGE AND CREDIT REPORTING XXXX. SYNCB, WAS SENT A NOTICE OF ERRORS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT REPORTING MORE THAN 120 DAYS PAST DUE AND IS ENTITLED TO DISCHARGE. 

XXXX. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS THAT LAST PAYMENT WAS MADE XX/XX/2023 WHICH MEANS THE DEBTS 120 DAYS PAST DUE AND IS DEEMED NON-COLLECTABLE AND ENTITLED TO DISCHARGE. 

XXXX. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW XXXX OF XXXX
Consumer complaint received 2023-11-01
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)

REMOVE THESE INQUIRIES Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MINE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I NEVER HAD LATE PAYMENTS ) XX/XX/XXXX
Consumer complaint received 2023-11-01
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. (FL)

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 2023-10-03
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-20
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. (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.

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: 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. (TN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
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)

On XXXX, I sent a letter to your company informing you that there was an account missing from my credit report that should be reporting. The account is XXXX XXXX XXXX  XXXX Authorized user ; Credit limit {$30000.00} ; Open date XX/XX/XXXX ; Contact XXXX. This affecting my credit as you know by not having this opened account report to all 3 credit reporting agencies. XXXX is reporting this account, so I am confused why Transunion and XXXX have failed to update my consumer report. I am requesting that you please include the additional information attached to my credit history report. I am an authorized user on a XXXX XXXX card for my family member and you are not reporting this information. You may verify this information with the source, and I have included their contact details. According to the Fair Credit Reporting Act ( FCRA ), Section 602 ( b ), I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my positive payment history be added.
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. (CA)

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 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 2023-11-13
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 recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of Identity Theft. I found an account on my credit report that I did not open. This has been hurting me as I am in the process of purchasing a new home. I asked that this be removed immediately.