davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-23
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. (MD)

3 credit bureaus must validate these ACCOUNTS in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$5500.00} XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Balance : {$5500.00} XXXX XXXXXXXX Balance : {$17000.00}. 
XXXX XXXX XXXX : {$5500.00} XXXX XXXX XXXX : {$17000.00}
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

i HAVE FILED A IDENTITY THEFT REPORT WITH THE TRADE COMMISSION HOWEVER I CAN NOT GET THE BUREAUS TO REMOVE THE INQUIRIES THAT I DID NOT MAKE
Consumer complaint received 2022-11-16
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. (TX)

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. 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. This was already included in my prior COMPLAINT #, and I'm including it again. Please remove these items from 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
Consumer complaint received 2024-03-26
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. (GA)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

XXXX. Express Credit Card was applied in the store for the 20 % off of purchase which was made in and around XX/XX/2022 in XXXX XXXX, CA. The store representative said he can not give me a card in the store but both the new card and statement will be mailed out to me within 30 days. i can make payments then. 

XXXX. Checking the purchases, the 20 % discount advertised did not seem to have applied. 

XXXX. At all times, I have no way to pay for my charges since I don't have the payment information from the CC company that should have been available in the mail via Statement. 

XXXX. CC company agreed and have reversed XXXX of XXXX late fees because they didn't mail me the new card to activate or statements. 

XXXX. CC company said they have removed the derogatory statements misrepresented to the Credit Bureaus. 

I am waiting to see it does what it says it will do. It is a misrepresentation and even fraudulent to promise a customer something for us to acquire a credit card then not send the card or account information. Then ruin the customer 's credit and charged fess or all sorts for the cc company 's failure to perform by sending out the account information and statement. It is clearly an unfair billing practices committed by Comenity Bank. Please be ware of this company!
Consumer complaint received 2016-11-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion is reporting the date of birth that belongs to someone else AS ( XX/XX/XXXX ), not mine ... .my birth date is ( XX/XX/XXXX ) Also Transunion is NOT reporting my current and true address of XXXX XXXX XXXX XXXX XXXX , TN XXXX. I have attached my photo ID with my current and true mailing address, please update my file, thanks.
Consumer complaint received 2023-01-07
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$560.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MI)

I received a letter from my home insurance company, XXXX XXXX, dated XX/XX/22 notifying me that my premium payment was not received from my escrow account. I called Rocket Mortgage and informed them about the letter. I was told that Rocket Mortgage sent over a check for XXXX clients in the amount of approximately $ XXXX and XXXX had never cashed the check. A three-way conference call was held between myself, Rocket Mortgage, and XXXX XXXX XXXX during the call it was decided that Rocket Mortgage would re-send the check to pay my insurance premium. Rocket Mortgage did not send a check in a timely manner to pay my home insurance premium, it was not received by XXXX until XX/XX/22, after the cancellation date. I am now receiving a bill dated XX/XX/22 from Rocket Mortgage for lender-placed homeowner 's insurance for the dates of XXXX that is a result of Rocket Mortgage 's error in the first place, failing to pay my XXXX XXXX XXXX  in a timely manner. This has caused a bill of {$77.00} from Rocket Mortgage and a late fee by XXXXXXXX XXXX of approximately {$57.00} due to Rocket Mortgage 's error and late payment of my insurance premium.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

XXXX Account number XXXX ..... In accordance with the fair credit Reporting act XXXX Accounts this creditor has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy .... 15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. .. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for and purpose. Please remove late payments and update asap please.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, 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. (FL)

I have attached XXXX FTC reports with accounts and inquiries I did not authorize and need to have them deleted asap they are affecting my chances of buying a house. Please also update my personal information
Consumer complaint received 2022-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NJ)

I did not authorize this company to pull my credit report in XXXX. I was in the process of bying a home on XX/XX/XXXX but the buyer cancel the sale a week before I moved into the home. This company pulled my credit back than. But now they keep pulling my credit to see if I qualify and then keep sending me information about homes and saying I was qualified when I told them that I am not interested in buying a home. They keep running my credit with the previous information they have from me. This is unacceptable. I wrote them an email many times regarding this.
Consumer complaint received 2021-12-30
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AXXXX XXXX XXXXXXXX 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 2023-02-16
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: EQUIFAX, INC. (OK)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 
Please remove the fraudulent items : XXXX XXXX XXXX BV XXXX XXXX, OK XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX  XXXX Balance : {$710.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2022-09-08
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2023-02-16
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: EQUIFAX, INC. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-16
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: EQUIFAX, INC. (FL)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to update the following inaccurate items that are hurting my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC. (FL)

Capstone Credit and Collections , LLC has claimed that I owe them money they are claiming that I owe them {$820.00}. I have no recollection of ever doing business with this company knowingly or unknowingly. I have written to them asking them for proof of this alleged debt and to provide me with a contract bearing my signature between us, and they have failed to do this. This is not a company I have ever done business with and they are unable to provide me with any proof that I have any sort of contract with them for this alleged debt.
Consumer complaint received 2023-02-16
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: EQUIFAX, INC. (WI)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX WI XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$400.00} ; XXXX XXXX Balance : {$0.00} ; Medical XXXX Balance : {$94.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/XXXX ( approximately ) i called AMEX to report my card was misplaced and i needed a new card. just a little background i am a senior banker for XXXX, i am an expert on credit usage as well as credit accounts. I informed AMEX that i was going through a rough patch. was in bad car accident on the XXXXXXXX XXXX XXXXXXXX, couldn't work, Rental car was stolen on the XXXXXXXX XXXX XXXXXXXX. so i called to vent to AMEX as well as to fix the issue. i have never had a late payment with AMEX and have always been a valued customer. when my account was closed i called AMEX to understand what was going on, only to find out they had closed my account which caused a bill to be sent to collections and my credit to drop over XXXX points. i pleaded with them and tried to reason with them. i requested they review the call and reinstate my account because it was their error. they refused knowing how i used their services and was a valued customer to reinstate my account. since closing my account ive been denied credit and have fallen low with my credit. AMEX knew that i was a banker and that im quite aware of credit but still refused to acknowledge my frustration. loosing a XXXX $ line of credit has affected me in ways they have no idea. they told me the term close a card means to close the account completely. however, if they would have listened to the call i stressed several times that it was the card not the account
Consumer complaint received 2022-09-08
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. (TN)

In accordance with the Fair Credit Reporting act convergent XXXX 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 instructions
Consumer complaint received 2023-03-11
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: JPMORGAN CHASE & CO. (FL)

XXXX XXXX XXXX XX/XX/1992 XXXX XXXX XXXX XXXX, XXXX Fl, XXXX SS : XXXX XXXX XXXX XXXX XXXX, XXXX , GA XXXX I need you to investigate the following account : Account # XXXX XXXX XXXX XXXX Account Name : JP MORGAN CHASE & CO. 

I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an updated credit LIVE report to the address stated above. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

I initially applied for public service loan forgiveness back in XXXX of XXXX when the designated lender was XXXX. After multiple months of back and forth with them on the processing of my application I finally received confirmation that I had met the necessary threshold for forgiveness however I was notified that given the ending of their contract with the Department of Education that my application would be forwarded over to MOHELA for completion. Since that has taken place many months ago I still have not received any notification from MOHELA on the status of my loan forgiveness. In fact the information that they have noted on my payments is incorrect and I have contacted them on multiple occasions via phone and email to indicate such. I even resubmitted my public service loan forgiveness application and certifications to them again so they could see the discrepancies and all they did was cancel my duplicate application. Every time I have made attempts to contact them to gather information on the status I keep being informed that they have an influx of applications and it's going to take a long time to process. I'm told it'll take 30 days, then 60 days, then 90 days by now it has been practically 6 months since MOHELA has had my application and I still have heard nothing about correction to my payments nor whether my loan has been forgiven. 

I have emailed them about this on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have called them on at least 3 occasions but unfortunately I have not taken down those exact dates.