davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2023-08-17
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. (TX)

I received my credit report on XX/XX/XXXX and notice there were hard inquires on there and that don't have permissible purpose to be on there. These hard inquires are hurting me from getting approved. I already reached out to the credit bureaus multiple times and they keep violating my rights under 15 USC 1681b. I also have attached the hard inquires that don't have any reason to be on my credit report. XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX.
Consumer complaint received 2023-08-17
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)

THIS IS NOT A DUPLICATE REPORT! This is a complaint on the failure to add POSITIVE items that should be being reported. I have contacted the vendors, and they said that they are reporting each file to all three credit agencies. I have tried MULTIPLE times to have this error fixed! I have attached the files in question.
Consumer complaint received 2023-08-17
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. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXXXXXX Balance : {$0.00}, ( Original Creditor : XXXX XXXX ) XXXX Balance : {$770.00}
Consumer complaint received 2023-08-17
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. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXXXXXX Balance : {$0.00}, ( Original Creditor : XXXX XXXX ) XXXX Balance : {$770.00}
Consumer complaint received 2018-04-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

HARDSHIP LETTER On the month of XX/XX/XXXX I received a call from Roundpoint offering me a FORBEARANCE PLAN due to Hurricane Irma which happened on XX/XX/XXXX. Roundpoint said that due to my area was declared on disaster this federal plan allowed me to stop paying the months of XXXX, XXXX and XX/XX/XXXX so I can use that money for the expenses caused by the hurricane and those payments would be put to the end of the mortgage. Roundpoint asked me for many papers during the lapse of those three month which I sent. Every month I kept receiving letters of intent of accelerate the mortgage, and every time I received those I called to Roundpoint to remind them that they put me in Hurricane Irma forbearance plan, my calls were received by a different persons not aware of the plan and, after reviewing my file they every time told me that everything was OK and to disregard those letter that were generated by the system and that I would be receiving those letters up to the end of the process. Every time I called I kept asking for confirmation on the conclusion of the plan, in other words I asked for confirmation on the three months would be put to the end of the mortgage and if this situation would not affect my credit and they always said yes, on times even I got comments of not to be afraid. On the month of XXXX Roundpoint call me asking if I would start paying my regular payments, I told them that as it was our agreement and that I was prepared to start making my regular payment, which I have been doing on time every month. Approximately, the XX/XX/XXXXl I received a call from Roundpoint stating that my modification was not approved by the investor ( XXXX XXXX ) and that I have to pay all the amount of three mortgage payments which is almost {$6000.00}, which at the moment I dont have, and if I dont pay my house would be put on FORECLOSURE and I would lose my home. I asked if there are some kind of appeal and they responded that the denial happened many days ago and I only have 30 days to appeal and the time was expired. I did not received any notification of denial! Now I have been asked to make this application for a regular modification which was never my intention from the beginning. I have been pushed to this situation which will remain in my record and probably in my credit and I dont have any other way to fight for my home. This is unfair considering that I have been paying according to the agreement, so from my side I have honored the agreement, however it didnt happened from the other side of same.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-12-08
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 Balance : {$1100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-17
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. (NJ)

Hello, My self XXXX XXXX XXXX SOCIAL ending with XXXX. Date of birth is XXXX XX/XX/XXXX. 
There is showing XXXX XXXX XXXXXXXX credit card account on my Social number. but I never applied for XXXX credit card. 
I was not in united states from XXXX XXXX to XX/XX/XXXX. 
I just checked my credit report and I came to know that there is XXXX XXXXXXXX account is open. 
I would like to remove that activity from my account because it is affecting my credit score and company 's credit.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

I have made all my payments on time and even made a very big payment on my account last week. I got an email yesterday that my account was closed because of no real estate or revolving accounts on my credit. This card is the last one that I have gotten. I had all of the revolving accounts that they say are on my credit when my card with Synchrony was approved in XXXX. I have never missed a payment or been late. I can't even get into the account now to prove my payment history but I can pull bank statements. I tried calling them and the supervisor laughed when I told her about it being closed and said that they can close accounts if they want. I told her it is really sad that you close accounts in good standing. The account was opened in XX/XX/XXXX and payments were as follows : XX/XX/XXXX {$100.00}, XXXX {$100.00}, XXXX {$120.00}, XXXX {$140.00}, XX/XX/XXXX {$140.00}, XXXX {$140.00}, and XX/XX/XXXX {$500.00}. The card was closed and cancelled by Synchrony on XX/XX/XXXX.
Consumer complaint received 2022-12-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Albert Corporation (PA)

My name is XXXX XXXX, and I need to report a fraudulent, unauthorized cash advance that was made into my bank account without my permission or my request. I didnt do it. Please delete my Albert account and take the fraudulent report account email XXXX XXXX
Consumer complaint received 2023-08-17
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX ED/XXXX  # XXXX, ED/XXXX  # XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX has violate

my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX XXXX XXXX responded to my dispute with incorrect information and no documentation. Dispute # XXXX. 
As a result of XXXX  misinformation, my case # XXXX was closed with inaccurate information and no documentation. 
My lease was signed and extended 2 months. Not only did XXXX incorrectly repossess the vehicle, but they are continuing to report inaccurate information on my credit report which has caused me to be denied housing. 
A police report was also filed. 
This issue was addressed in court & after reviewing documentation the XXXX attorney apologized to me for the error and the judge awarded in my favor. 
I am attaching a copy of the judge 's decision on XXXX XXXX, XXXX. For 5 years XXXX has caused me damages and has refused to correct it. 
Thank you in advance. 
XXXX XXXX
Consumer complaint received 2023-08-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo was fined and ordered to remit payment for damages to consumers for REPEATED misapplied payments from XX/XX/XXXX to XX/XX/XXXX. Wells Fargo issued me a check on XX/XX/XXXX for {$9.00}. The check was for {$7.00} misapplied payments and {$1.00} for the time I did not have the money. Providing {$1.00} for misapplied payments for XXXX is absolutely absurd. Wells Fargo charge a late fee when car payments arent made in time, therefore Wells Fargo need to also pay me for every month they were late, paying the alleged {$7.00}. Furthermore, Wells Fargo provided no explanation of HOW the {$7.00} was accessed for the REPEATED misapplied payments. There is no doubt in my mind that Wells Fargo misapplied MORE than {$7.00}. Wells Fargo continues to REPEATEDLY violate consumer laws. In the past Wells Fargo fraudulently charged me for XXXX XXXX, when I already had auto insurance, I had to argue with Wells Fargo for several months and provide proof of insurance to dispute the unfair compensation Wells Fargo provided for the fraudulent CPI insurance. Now, here we are yet AGAIN with ANOTHER CONSUMER LAW VIOLATION. The CFPB ordered Wells Fargo to remit payment for damages and {$1.00} is a NOT SUFFICIENT amount for damages for this new misapplied payment violation. At this time Wells Fargo need to ALSO pay me PUNITIVE DAMAGES due to REPEATEDLY VIOLATING MY CONSUMER RIGHTS!
Consumer complaint received 2023-08-17
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. (MA)

XX/XX/XXXX  a credit inquiry report was run with XXXX  and XXXX  XXXX XX/XX/XXXX  I called both companies and they reported it was fraud and terminate the application process. 
XX/XX/XXXX  I notified experian about the fraud
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (IL)

I received a notification stating that there is a new financial account inquiry with PNC Bank. I called the bank, gave my info. The man on the phone said he will put in a fraud report. He would not tell me if there's an account open. He said unless they need more info, I will not be contacted again. I asked if they would close the communication loop and let me know that they closed any accounts, he said no. He said he had no way to know I'm not the scammer.
Consumer complaint received 2020-08-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

Hello, I have had an ongoing issue with XXXX XXXX during COVID about reporting erroneous information to the credit bureau ( s ) since  they are aware of this disaster and XXXX told me they would not be reporting payments not received or late. Due to COVID 19 my  employment has been shut down and our office closed since XX/XX/2020. However, my payment was current until this month whereby I was ran off the road in XX/XX/2020 and suffered injuries and totaled my vehicle due to an 18 wheeler hitting us and not stopping on the highway. XXXX was notified and an inquiry was made to them by my insurance company for a payoff amount. In addition, my adjuster contacted them on Friday, XX/XX/XXXX to get a correct statement on tax and sales of the vehicle. I paid this fee and my insurance company in the settlement had the monies going to XXXX. Therefore, XXXX has not received the payoff but were notified and has been updated again last week. XXXX ( AGAIN ) reported a late 30 day payment to XXXX and maybe XXXX and Equifax as well ( I will have to check ). They should not have, just like they should not have a couple of months ago. I want this information removed immediately from all bureaus and its impacting my credit score again and this information is not reported correctly by FDCPA standards.
Consumer complaint received 2023-08-17
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. (WA)

On XX/XX/2023 and XX/XX/2023, I submitted multiple letters to XXXX, XXXX, and Experian with my concerns about things being reported on my consumer report ( XX/XX/2023 letters attached ). There are numerous inaccuracies with the accounts in question. They are not in compliance with the XXXX XXXX XXXX of filing. As of now the CRA 's have not updated the status of any account nor have they notified me of an investigation and if there is one conducted they have not informed of the results.
Consumer complaint received 2023-12-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: HOMESTEAD FUNDING CORPORATION (CT)

I AM the consumer, I applied for a pre-qualification consumer credit transaction via a phone call on XX/XX/2023, approx XXXX, with XXXX XXXX XXXX of XXXX. XXXX XXXX. Licensed XXXX XXXX. NMLS #. XXXX. XXXX XXXX. XXXX. XXXX. XXXX XXXX XXXX.,. XXXX XXXX XXXX XXXX. And I received his name from a realtor XXXX XXXX at XXXX XXXX XXXX XXXX The lender stated he is the creditor after he looked at my credit report on his computer. He informed me that I must have above XXXX score to qualify for a home, and I am to have {$2000.00} in federal reserve notes in a bank account somewhere. I informed him I am an American with XXXX, nd I gave you my Social Security number. He then stated he refuses to help me and hung up the telephone interview. I am currently experiencing a housing emergency crisis. I sleep in the woods at night. This also has caused me considerable emotional distress knowing he is violating the Equal Credit Opportunity Act and the Consumer Credit Act and Securities Fraud, by denying my Right to my Credit and my access to my securities.
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2022-12-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Date opened : XXXX XXXX XXXX  Balance : {$5200.00}.
Consumer complaint received 2023-08-17
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. (NJ)

I, XXXX XXXX XXXX, am verifying that I am XXXX XXXX XXXX mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at
Consumer complaint received 2023-07-12
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. (DC)

XXXX is reporting inaccurate information on my credit profile I've asked XXXX to do a full investigation into this fraudulent account and delete it immediately however XXXX is continuing to report fraudulent information on my credit profile with no explanation of the investagation