davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-13
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. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report. XXXX XXXX XXXX XXXX : {$320.00}
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The accounts below do not belong to me and I would like them removed. I filed a report with identitytheft.gov. 

The accounts on my XXXX profile that do not belong to me are XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The accounts on my Equifax profile that do not belong to me are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (WI)

Cbna XX/XX/2022 XXXX inquiry I have no acknowledgment of this account or even create discount, or try to fill out for anything with this account. I tried reaching out to them. They said they dont see me in your system.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Account # XXXX TransUnion is still reporting one of my US DEPT OF EDXXXX loan when all the other credit bureaus have deleted them from my credit report. This account has been reported deleted by the department of education since I applied to their fresh start program.
Consumer complaint received 2023-10-24
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (SC)

This account that was with XXXX  was closed back in 2016 and picked up by now XXXX XXXX XXXX. They was trying to take me to court and is reporting on my credit in collections.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (GA)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-04-29
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. (MS)

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 XXXX XXXX # # # # # # # XXXX, XXXX XXXX # # # # # # XXXX, XXXX XXXX XXXX # # # # # # XXXX, XXXX XXXX XXXX # # # # # # XXXX, XXXX XXXX XXXX # # # # # # XXXX 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. 
Account XXXX : XXXX XXXX XXXX
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-10-21
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. (MI)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

On XX/XX/2023 I sent out certified letters that including a demand for removal of late payments, a copy of my ID, A copy of my Social Security card, and a copy of my utility bill. I am requesting removal of late payments. Late payment entries on my credit report that are inaccurately portraying my credit history were reported in violation of the federal law. Pursuant to the Fair Ceedit Reporting Act specifically Section 623 of 15 USC 1681s-2, Responsibilities of furnishers of information to consumer reporting agencies. Please be advise that furnishers of information such as XXXX, Equifax, and XXXX have a duty to provide accurate and complete information. Section 1681s-2 of the FCRA outlines the following specific responsibilities for furnishers of information : Duty to Provide Accurate Information : Furnishers must provide information to consumer reporting agencies that is accurate and complete, and they must investigate any reported inaccuracies. 
Duty to Correct and Update Information : If the furnisher discovers that information they previously provided was inaccurate, they must promptly correct and update that information. 
Duty to Report Disputes : If a consumer disputes the accuracy of any information furnished to a consumer reporting agency, the furnisher must conduct a reasonable investigation and, if necessary, modify or delete the disputed information. 
It is evident that XXXX, Equifax, and XXXX has failed to fulfill its obligations under 15 USC 1681s-XXXX, resulting in the inclusion of false late payment records on my credit report. These inaccuracies have had a profoundly detrimental impact on my creditworthiness, limiting my access to credit and causing undue financial distress. 
I, therefore, request the immediate removal of all late payment notations from my credit report, as well as any related negative impacts on my credit score.
Consumer complaint received 2023-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (IL)

I recently reviewed my credit profile through a credit monitoring agency. I noticed a derogatory item from the company. I never received any communication from this company. I never received information regarding validation of this alleged debt. I never received information that this company can legally collect debt in my state. The company has continued to add fees, making the alleged debt 's amount to increase. This derogatory item on my credit profile is affecting my good name. I take my reputation seriously.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Hello these companies has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2023 I sent out certified letters that including a demand for removal of late payments, a copy of my ID, A copy of my Social Security card, and a copy of my utility bill. I am requesting removal of late payments. Late payment entries on my credit report that are inaccurately portraying my credit history were reported in violation of the federal law. Pursuant to the Fair Ceedit Reporting Act specifically Section 623 of 15 USC 1681s-2, Responsibilities of furnishers of information to consumer reporting agencies. Please be advise that furnishers of information such as XXXX, XXXX, and Transunion have a duty to provide accurate and complete information. Section 1681s-2 of the FCRA outlines the following specific responsibilities for furnishers of information : Duty to Provide Accurate Information : Furnishers must provide information to consumer reporting agencies that is accurate and complete, and they must investigate any reported inaccuracies. 
Duty to Correct and Update Information : If the furnisher discovers that information they previously provided was inaccurate, they must promptly correct and update that information. 
Duty to Report Disputes : If a consumer disputes the accuracy of any information furnished to a consumer reporting agency, the furnisher must conduct a reasonable investigation and, if necessary, modify or delete the disputed information. 
It is evident that XXXX, XXXX, and Transunion has failed to fulfill its obligations under 15 USC 1681s-2, resulting in the inclusion of false late payment records on my credit report. These inaccuracies have had a profoundly detrimental impact on my creditworthiness, limiting my access to credit and causing undue financial distress. 
I, therefore, request the immediate removal of all late payment notations from my credit report, as well as any related negative impacts on my credit score.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello these companies has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I've persistently raised disputes concerning the inclusion of these accounts on my credit report, which clearly do not belong to me. Regrettably, despite my diligent efforts, these contested accounts persist on my credit history. Furthermore, I've taken the step of submitting numerous reports to the FTC regarding these accounts that have no association with me. 

It's important to note that these companies have neglected their legal responsibility to investigate and rectify these disputes, which is mandated by law. 

Account Name : XXXX XXXX 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 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

My mother recently passed away. She had a reverse mortgage with Carrington Mortgage company. 

I requested by e mail a request for the payout of the mortgage. Weeks later l received a payout response dated XX/XX/2023 described as being good through XX/XX/2023. ( payout 1 attached ) I have been communicating with XXXX XXXX, an employee who has been completely unhelpful. 

My brother XXXX paid the principal, interest and XXXX  total of {$72000.00} on XX/XX/2023. ( payment attached ) The payout had also listed charges for attorney cost and fees of {$570.00}, appraisal of {$420.00} and property inspection of {$40.00}. We did not pay those charges. I have closed out mortgages before and have never encountered such charges. XXXX informed me that the loan was in default and this resulted in attorney fees. We were never informed verbally or in writing of any impending default. There has been no appraisal or inspection of the property and I see no legitimate reason for these. XXXX informed me that these items were in my parents agreement. I have requested a copy of my parents agreement/contract and received none. I requested a copy of the attorney work product responsible for the {$570.00} charge and received none. 

A second payout document was sent to me dated XX/XX/2023 ( payout XXXX ) and described as being good through XX/XX/2023. The principal, interest and XXXX  were different on that document without explanation. The appraisal fee was increased from {$420.00} to {$870.00} and a new fee for title cost appeared for {$290.00}. There has been no appraisal or property inspection. The total payout increased from {$73000.00} to {$75000.00} despite the fact that Carrington had been paid {$72000.00} on XX/XX/2023. 

I was informed my complaints would be sent to their complaint department and have received no response. 
On XX/XX/2023, we received the {$72000.00} wired back by Carrington Mortgages. ( attached return of payment ) This was total payment of principal, interest and XXXX  that we had a right to pay. It was paid to Carrington on XX/XX/2023. 

On XX/XX/XXXX, I requested an updated payoff document. Today I have again requested a payoff document and received XXXX later in the day. ( payout XXXX attached ) The new payout document fraudulently added thousands dollars in increased principal, interest, attorney costs, appraisal costs for an appraisal that was never done and inspection costs for an inspection that was never done. They refuse to respond to my legitimate questions. They never sent notification of any impending default. They refuse to send me a copy of my parents contract. They refuse to tell me who the lawyer is making these ridiculous charges. No doubt, they are engaged in these types of activities with many grieving families throughout the nation. 

This company engages in unlawful and fraudulent charges to my family after the death of our mother.
Consumer complaint received 2023-10-25
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24
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: Experian Information Solutions Inc. (GA)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX  XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX Inquiry Date, XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2023-10-24
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. (CA)

I have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX You are in direct violation of The Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX ), and has violated several of my rights. 

15 USC 1681 section 602 A. clearly states the I have the right to privacy.

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

15 USC 1666B : a creditor may not treat a payment on a loan account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Consumer complaint received 2023-10-24
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 XXXX XXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.