davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX XXXX  Please Update all payment, all pay was made on time.
Consumer complaint received 2023-05-16
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)

accordance with the Fair Credit Reporting act XXXX Account, 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 Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account name U.S. DEPARTMENT OF EDUCATION Account number XXXX Account name : XXXXXXXX XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX, XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number XXXX XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2023-06-05
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. (TX)

Please see the attached notarized Affidavit of Truth informing Transunion of my intent to sue due to negligence, statutory, and punitive damages. I have been trying to remedy this account for over 9 months. Attached is the credit report showing the inconsistent data. I have all dispute letters, cfpb complaints, and documentation for my case. I also sent in proof that the account was never late which I will have readily available for court. I was denied credit due to this faulty reporting and I can legally seek statutory damages up to {$1000.00}. XXXX lowered my credit limit due to your inaccurate reporting which I can prove as well. If the late payment is not removed from account XXXX XXXX XXXX, I will move forward with filing a statement of claim in my state.
Consumer complaint received 2023-05-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (NY)

Well it all started about 8 years ago when mortgage lender ; XXXX XXXX Transferd us to M & t bank/XXXXwho aggressively mislead us to believe that the were helping us. By giving us no choice but to put a second mortgage on our house. We have been behind on payments ever since... Struggling while our payments keep going up ... our..We have lost track of time.. We have attempted to modify the second mortgage with no success.The payments are just unreasonable high.. 
We will be sewing.. The the Lenders for being a ponzi scheme.. Of a fractured banking system.. We borrowed supposedly XXXX & now over 10 years later we owe XXXX more presently then was was borrowed originally. The numbers do not add up.. The mortgage company Being M & t bank. We have not seen a deed to this property to this day.. We have tried to sell this house aswell with no sucess.. We have had multiple realtors... 
This house was referred to as as a White Ellephant.. This is a written formal complaint ; against Lenders mentioned above.. 
Sincerely : XXXX XXXX XXXX XXXX XXXX WI
Consumer complaint received 2023-07-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. Investigate and correct or removed the following items that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

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 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Hi, I'd like to document the change in my credit score and debt ratio from XX/XX/2020 to the present. I've called all three credit reporting companies, plus XXXX, and all of them say they don't keep the information this far back. I can get information about 9 months back, and that's all. I also called my bank, XXXX XXXX, which gives me 9 months of my credit score, and they say they also don't have historical information. BTW, on your intake form, it didn't ask me if I tried to resolve the issue with Experian. I tried to resolve it with all three credit reporting companies, speaking to supervisors. 

As it happened, my credit score tanked and my debt usage rose during the past three years. I'd like to have a record of that. 

If there is a place to get this information, none of the companies responsible for it know where that might be. 

I can't think of a reason why this information is unobtainable. These are huge companies with a lot of control over people 's lives. Even my bank keeps statements going back many years.
Consumer complaint received 2017-11-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified " that I have disputed. Please resolve this matter as soon as possible. 
Thank you.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (AZ)

Equifax says you can dispute the accuracy of the info in your credit report online, and I have provided, every which way to Monday, the info they are requesting to do but, keep getting and error message and/or a message that they " are unable to process [ my ] request at this time. '' This has been going on for over a week, over 30 attempts with the same type of response, so you really are not able to get your report and dispute the items online as advertised.
Consumer complaint received 2023-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

No amounts where settled or fixed by trans union rather than the scammer falsely claiming to be me. This happened last year. I opened up a bank account with my father and I received a letter about a XXXX XXXX account that was closed but I had never opened it. It was received to my fathers XXXX XXXX which I dont use. I worked and worked my way into finding out by opening credit cards as I worked and always paid on time. I came to the conclusion on who this might be and it is a family member that lives with us. I dont want to be blaming him but it isnt fair that they they thought I was doing illegally stuff when I was doing everything right the legal way. Now I want to do this right by speaking up. Its illegal to be tampering in peoples business this way. Also paid subscription of trans union that were going thru a credit card that I never opened up? So there was two trans union accounts? I grew and grew to the point where I saw the whole scam being committed by this person. I have not paid these cards ever since XXXX last time I used one was XXXX. I was authorized to my parents credit cards and the person using my name was slowly showing up in the system.
Consumer complaint received 2023-06-10
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. (MD)

This is my NUMEROUS 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 items : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-05
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. (TN)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. My FTC XXXX number XXXX Please delete the items as soon as possible.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS (FL)

Requested an updated auto transcript and was sent a pin which does not work to download it. I requested an overnight XXXX XXXX with a new pin and was refused. I am requesting an immediate download to my e-mail address. I can understand why LexisNexis has a D- rating with the XXXX which overrated. 

LexisNexis failed to correct the matter and is stalling by responding " investigating. '' I forwarded this message with no response : That's why you have a D- rating because your response mirrors your rating. Instead of being proactive and resolving the pin problem you role play : Youre investigating like Congress so you can delay the solution and not answer specifically. Furthermore, you have not specifically stated whether or not you will e-mail me a working pin or XXXX XXXX me over night as requested. Finally, you did not call me.
Consumer complaint received 2023-06-05
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. (TX)

in accordance with 15US. CODE 16821C-2, I wish to request deletion of wrong addresses on my credit report. 

XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX And XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX And under 15US. CODE 16821b, the address should be deleted immediately, this address is an act of identity theft, it should be deleted immediately.
Consumer complaint received 2023-05-16
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (TX)

On XX/XX/2023 I had logged into my Mr. Cooper account to make sure that my payment had posted and to check the payoff balance as I am in the process of selling my home. I logged back in later that day to print out the payoff notice and I see that my account balance was double what it should be. I looked at the payment activity and for some reason Mr. Cooper had reversed out the payment that had just posted. I called customer service and they didn't know why that had happened and said that they would fix it. The payment was reposted back to my account on XX/XX/2023. Then at the end of XXXX they reported my account 30 days past due because it took them 4 days to post the payment back to my account that they had removed in the first place. I have tried to have them correct this issue and they keep telling me it's in process but now my current home is under contract to sell and since they are taking so long to correct the error, I am being denied a new mortgage due to the drop in my credit score as well as it showing a recent late payment.
Consumer complaint received 2017-11-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

I received a credit card associated with promotional rate ( no interest ) if paid off within 18 months. I made payments that were substantially more than the minimum payment. No credit was applied to the minimum payment for the next month. The company charged me a late fee when a minimum payment would not be due. They did remove the charge from my account when I called and insisted. During the call the customer agent told me that I had to specify in my payment to pay off the late fee. The late payment was listed on my bill as a promotional fee, but on the customer agent screen she states that it was listed as a late fee. Synchrony is  charging a late fee in spite of a payment made that would cover the minimum payment for the next 3 months. They are cheating unsuspecting customers with a bogus late fee when they should not be charging a late fee due to a previous substantial payment. The late fee should be listed as a late fee. I made a payment on the XX/XX/XXXX of the month and the customer agent told me that my payment was late despite making a payment early on the XX/XX/XXXX of the month before. The scheduled payments are made on the XX/XX/XXXX of the month. They are attempting to charge a late fee even when additional payments are made to the account and a payment falls after the stated due date. I closed this account. I hate credit card companies who nickel and dime customers attempting to pay off these accounts ahead of time. Consumers should be warned about these predatory practices from Synchrony.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have taken the necessary steps to address this issue by promptly reporting the false information that has been disclosed. As a victim of identity theft, it is crucial for me to emphasize the immense stress and financial burden that I have endured due to the inclusion of products unrelated to my identity, for which I bear no responsibility. The handling of this complaint is of utmost importance, as failure to address it appropriately will leave me with no alternative but to initiate legal proceedings. The presence of these false and fraudulent entries on my consumer report has had a severe detrimental impact on my ability to achieve personal aspirations, such as purchasing my dream car, and providing essential support for my family.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

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 2023-05-05
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. (NC)

On XX/XX/XXXX a letter was mailed to Equifax regarding improper reporting and Equifax did not respond. A complaint was submitted to the CFPB on XX/XX/XXXX regarding this issue and as of XX/XX/XXXX the matter is still open and pending. Equifax has updated all open accounts as agreed while investigation is in progress. I, the consumer, am submitting this complaint as a follow-up to the XX/XX/XXXX complaint. The closed account with XXXX XXXX XXXXXXXX is still reporting adverse items. 
Per 15 USC 6805 CFPB must enforce all the following regulations : Per 15 USC 1681a ( 2 ) ( A ) ( i ) financial transactions by consumer are not to be reported without my permission.

Per 15 USC 1681c no adverse item of information may be reported regarding my consumer information unless it is a conviction of a crime. 
Per 15 USC 1681n ( a ) due to willful noncompliance, I am entitled to up to XXXX US dollars Per 15 USC 1681o ( a ) due to negligent noncompliance, I am entitled to actual damages sustained as a result of failure to comply Per 15 USC 1681s ( a ) ( 2 ) ( A ) I, the consumer an entitled to not less than XXXX US dollars per violation of each willful or negligent noncompliance in a United States district court Per Privacy Act of 1974 ( 5 USC 552a ( 4 ) ( b ) I must consent to any disclosure of my records.
Consumer complaint received 2023-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the XXXX breach, Transunion breach and the XXXX XXXX, I need these to be removed.
Consumer complaint received 2023-05-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have tried to have 10 different hard inquiries removed that are not affiliated with any open accounts on my transunion report due to fraud that are currently stopping my credit worthiness to be better then it is Ive reached out to transunion a few times and hasnt had any success with response or removal
Consumer complaint received 2017-02-14
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (WI)

ONEMAIN # XXXX XXXX , IN XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Line of Credit Account Loan Type : HOME EQUITY LOAN Balance : {$8600.00} Date Updated : XX/XX/XXXX Payment Received : {$230.00} Last Payment Made : XX/XX/XXXX High Balance : {$9600.00} Credit Limit : {$10000.00} Pay Status : Current ; Paid or Paying as Agreed Terms : {$190.00} per month, paid Monthly