davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, UT XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report
Consumer complaint received 2021-07-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

Disputes were submitted to XXXX  on XX/XX/21 and also on XX/XX/21 to dispute the Accuracy of the information on my Credit Report regarding a debt collection company named LVNV FUNDING. The Dispute Reasons were ( 1 ) The balance and/or past due amount are/is incorrect, ( 2 ) The account is settled for {$480.00}. The results from XXXX  for the two separate Disputes were dated XX/XX/21 and XX/XX/21. Both Investigation Results continued to report INCORRECT INFORMATION for the Balance Owed. Most Importantly XXXX  did not even make any mention of the Dispute Item regarding the fact that the account with LVNV was Settled for {$480.00}. It appears that LVNV and XXXX  completely ignored my Dispute about the account being settled. Monthly payments are currently being handled by XXXX XXXX XXXX. It is my wish that XXXX  will remove LVNV COLLECTIONS item from my credit report. XXXX  and XXXX  removed LVNV collections from those credit reports several months ago.
Consumer complaint received 2024-04-14
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)

XXXX, Transunion and XXXX are in violation of FCRA. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ] XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, Transunion and XXXX. This business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX have not provided any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) ; therefore they need to retract this from my credit file immediately.
Consumer complaint received 2023-11-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I got a hold of my consumer credit report from your bureau and I got ta say, I'm pretty disappointed with what I saw. There are some errors on there that are hurting my consumer report and I'm asking you to correct them ASAP. Specifically, I'm disputing the following info : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. The bank made an error when recording the payment. They are aware of the issue & have agreed to update to paying as agreed never late.
Consumer complaint received 2023-04-06
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. (NC)

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 2023-11-28
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. (LA)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2017-05-14
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. (GA)

I have sent in multiples disputes on  XXXX  accounts that I have no contract or knowledge of but experian will not delete the accounts. They have sent me a letter saying they will not re-investigate complaint. This is really hurting my credit and family chances of becoming a homeowner. I contacted an attorney whom told me this should be my first step to solving my problems.
Consumer complaint received 2023-11-28
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. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and correction because it was reported incorrectly in my file. 
XXXX XXXX XXXX
Consumer complaint received 2024-04-14
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)

am writing to dispute a recent negative impact on my credit score as a result of a pre-approval offer from XXXX XXXX. On XX/XX/2024, I received a pre-approval notification from XXXX XXXX for their credit card. It was my understanding, as communicated by XXXX XXXX, that pre-approval offers do not result in any negative impact on credit scores. 

To my surprise, upon checking my XXXX XXXX after accepting the pre-approval offer, I noticed a significant decrease in my score. This decline in my XXXX XXXX has adversely affected my financial standing and has the potential to impact my ability to access credit in the future. 

I believe this decrease in my credit score is unjustified and should be rectified. I request that the negative impact resulting from the XXXX XXXX pre-approval be removed from my credit report with all credit reporting bureaus. 

I am more than ready to share all necessary supporting documents, including the pre-approval offer from XXXX XXXX and documentation showing the decrease in my credit score following acceptance of the offer.

I kindly request that you investigate this matter and take appropriate action to rectify the negative impact on my XXXX XXXX. Please inform me of the results of your investigation and any steps taken to address this dispute.
Consumer complaint received 2023-11-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

First of all, I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. Now to the main problem, your company claims that I legally owe money to certain creditors. However, I am willing to pay under one condition- if you can provide the following : 1. Validation of the debt, that is, the actual accounting ; 2. Validation of a signed invoice ; and 3. A copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been delivered. Furthermore, I would like to dispute the following errors in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (LA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 davs and vou are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items IMMEDIATELY!
Consumer complaint received 2023-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (PA)

We fell a few months behind on our mortgage due to a temporary hardship. That hardship was resolved in late XX/XX/XXXX. On XX/XX/XXXX, I called our servicer, Specialized Loan Servicing ( SLS ), to make a payment to cover the past due amount and catch up. The representative told me that the amount due to catch up was {$3400.00}. The representative helpfully scheduled a payment for that amount for XX/XX/XXXX and made no mention of anything being amiss. I received a confirmation email and confirmation number. On XXXX, I received another email saying the payment was completed. I checked my mortgage account online, and I saw that that amount was applied to the balance due on the loan, and I assumed everything was fine. SLS also withdrew the {$3400.00} payment from my checking account at that time. 

However, on XX/XX/XXXX, I received a message via SLS 's secure messaging system that my payment was being returned due to my loan being in foreclosure. That was the first time I was made aware of any foreclosure. I replied to the message using the secure messaging system and explained how I was told on XXXX that the payment of {$3400.00} would cover the past due amount and I expected them to follow through on their word. I received a reply on XX/XX/XXXX that basically said the same thing as the XX/XX/XXXX message. In the meantime, I called SLS on XX/XX/XXXX and spoke to a representative who was unable or unwilling to help me. He scheduled a return call with a supervisor for between XXXX and noon on XX/XX/XXXX. I arranged my work schedule so I would be available at that time, and I never received a call. I then sent SLS another message later in the day on XX/XX/XXXX asking for the direct number of a supervisor. I didn't receive a reply until XX/XX/XXXX, which said a supervisor would reach out to me in the next 24-48 hours. That time frame has now passed, and I still haven't received a call. 

SLS obviously made a mistake, they are unwilling to correct it, and they are unwilling to escalate the matter to someone who can correct it. They have yet to return the {$3400.00} payment. I expect them to honor the figure of {$3400.00} as explained to me on XX/XX/XXXX and apply my payment to the loan. They record all phone conversations, so none of this information should be in dispute. I also have copies of the confirmation emails and other communications.
Consumer complaint received 2023-06-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (FL)

Debt collector has been presented with an incorrect amount by XXXX and they refuse to acknowledge the amount I am disputing. They have been extremely upsetting and threatening. I asked for them to validate the breakdown on the amount and they have refused. They have a wrong amount and I am willing to settle for XXXX less than what they are requesting. I have attempted to take care of this matter and they continue to harass me.
Consumer complaint received 2023-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (IA)

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Consumer complaint received 2023-09-20
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. (TN)

I have a car loan with XXXX XXXX  # XXXX and they partnered with another company XXXX XXXX XXXX # XXXX and they both show a balance due on all three credit reporting agencies and I have disputed this for months and nothing has changed. This is detrimental to my credit. It is preventing me from getting other loans as it shows that I owe two loans and I only owe On one. 
This is double reported on my credit reports! 
XXXX XXXX XXXX
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/23 refund for {$96.00} was made from XXXX XXXX merchant. Bank of America says it it takes 5 days because they don't have the money yet which is inaccurate. The money was sent back which is why they can record it taking place. Bank of America charges a LOT of unnecessary fees and places ridiculous holds on your account to create overdrafts so they charge more fees.
Consumer complaint received 2023-06-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (PA)

This loan was as a result of getting new gutters installed from XXXX Filters. Was told interest free for 18 months. At the end of the 18 months because loan was not paid in full the financial institution added the whole 18 months worth of interest onto the balance. Now I owe almost the amount of the original loan. I actually had a previous interest free loan thru another institution and had no such problem. There have been additional payments made on this loan thinking to pay it off soon. Received no notification that the interest was going to be added. Hoping for some help.
Consumer complaint received 2023-10-25
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)

Im accordance whit the Fair Credit Reporting act XXXX  account # 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 instruction.
Consumer complaint received 2023-06-16
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. (NV)

This is my third 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.