davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-09-06
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-05
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: EQUIFAX, INC. (TX)

These hard inquiries are fraudulent and does not belong to me. I need to be removed. Also nest as well. Thanks XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax
Consumer complaint received 2023-08-24
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. (SC)

After reviewing my credit report on XX/XX/23 I noticed that there are accounts on there that should not be. XXXX WAS PAID free in clear I have my title for that vehicle as well so there should not be any negative remarks. Receivables XXXX XXXX XXXX is reported completely inaccurate this alleged debt has never been verified even after I sent in a request for an investigation over 3 times. The dates don't match and this is causing extreme hardship for me. I don't know much about how this process works but I do know the FCRA demands that you report 100 % accurate information. XXXX XXXX XXXX is another account that was furnished inaccurately and it was deleted from one credit bureau because of its errors but yet XXXX is still reporting it. Your organization is governed by the same federal laws in which if there's errors with one account it shall be removed from all bureaus.
Consumer complaint received 2023-08-24
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)

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX  XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account Name : XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Account Name : XXXX  Date of Inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate
Consumer complaint received 2023-08-21
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.SXXXX Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-24
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. (FL)

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 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. 
These inaccuracies are keeping me from obtaining new credit
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax, XXXX and XXXX is showing that this account is 60 days late I have a document from XXXX on this account showing that this account is closed and paid as agreed with no late payments. 

The sent me a payment history showing positive payemts please have them remove this immediately because it is damaging my name and my credit. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2022-12-07
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (MD)

Hi My Father asked me to promise him that I would sell his property while in XXXX Soon after he passed. I have the Paid in Full Letter from Dovenmeuhle Mortgage Company. 
After almost 2 years of back and forth they can't find the letter, now investigation going on. They didn't know I knew Hud helped him to pay it off. they said it was sent to XXXX. They denied it. I then sent them an email XX/XX/2022, about the Loan Modification application with the help of the Hud office, that they had finally approved that the Loan had been Paid In Full, from them. I have been receiving citations because the property is really fallen apart. 
I just want them to give me the Release of the Property so I can go to settlement. 
please help me Thank you
Consumer complaint received 2024-04-05
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. (OH)

I received a letter in the mail stating that the items that I disputed were verified as accurate As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Consumer complaint received 2023-08-24
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. (CA)

I have a XXXX XXXX XXXX  card that is not mine it showed up on my equifax report on XX/XX/XXXX I would like to remove this card from my file it is not mine
Consumer complaint received 2023-08-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-04-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Complaint Number XXXX Follow-up Unfortunately, I have to turn again to assistance from CFPB since my attempts to get any status on my loan application were unsuccessful. 
Processing department XXXX XXXX XXXX XXXX, loan officer assigned to my loan XXXX XXXX XXXX XXXX, operation manager ( XXXX XXXX XXXX completely ignoring my email, voice messages. 
I received a call from the Chairmans Office XXXX XXXX XXXX XXXX, who got involved because I filed formal complaint with CFPB, but he also does not have ANY information from operation. They completely ignoring him, and provided false information. 

Because of their misconduct I already have financial loses, and if I would not be able to close and will maintain my existing rate for rest of my terms, I will accrue loses between {$110000.00} - {$140000.00} in interest. 
It does not look to me they are interested to give me this loan and rate for following reasons : 1. Rate much lower than current market rate ; 2. They do not see me as their potential client as bank pushing to get additional business - to open saving, money market or retirement accounts based on my age XXXX. I see this as clear violation of Elderly Law.
Consumer complaint received 2023-08-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-05
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-04-21
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. (WI)

Well over 45 days ago, I noticed an error regarding an account " XXXX XXXX XXXX XXXX XXXX XXXX'. In fact, I noticed several errors regarding this account on my credit report. One of the errors shows late payments, derogatory status and included in a bankruptcy. One of the other error shows a balance, no late payments and included in a bankruptcy. Since both of those were paid in full, not included in any bankruptcy and had zero late payments- there are serious discrepancies and errors. Upon addressing this with both Transunion and XXXX nothing was done. I contacted the creditor who could not find any information or signed contracts regarding the accounts in question. I sent another set of letters to Transunion and XXXX asking for validation of the reporting information with zero results. Furthermore, it is my understanding that if an item disputed extends beyond 30 days, the law requires that the disputed information must be removed from the credit report. Transunion and XXXX  fail to comply.
Consumer complaint received 2023-02-11
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: Experian Information Solutions Inc. (CA)

Requesting written instructions and power of authority and/or power of attorney to destroy the credit score/history reputation without consent and without the due process of law. 
( 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1692d ( 1 ), 15 USC 1681 ( a ) ( 1 ), 5th Amendment, 18 U.S. Code 242, and 18 U.S. Code 112 ) You also violated 42 U.S. Code 408 ( 8 ), 42 U.S. Code 3617, 18 U.S. Code 1038, 18 USC 1342 ( for assuming the strawman name is the living man ), and 18 U.S. Code 1962 [ RICO ] ( 1028 )
Consumer complaint received 2023-08-24
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. (AZ)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1400.00} XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-09-29
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. (NC)

I am a victim of identity theft. I filed a police report and a FTC report and sent it to the credit reporting agencies. They are not processing my disputes correctly according to the FCRA and not attaching my paperwork to the disputes. And I am not getting copies of the verification process
Consumer complaint received 2021-04-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-05
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. (NJ)

I am writing to formally lodge a complaint against Equifax. This complaint is in regard to the unauthorized and unjust reinsertion of previously deleted items on my consumer report, a move that has not only damaged my credit score but has also brought significant personal stress. 

I filed CFPB complaint XXXX on XX/XX/2024. On XX/XX/2024 Equifax responded to the complaint stating they had deleted the disputed items, however upon checking my consumer report today I notice some of these items are still being incorrectly reported on my consumer report. 

I trust that the CFPB will ensure a fair and prompt resolution. Thank you for your attention to this matter. 

Sincerely
Consumer complaint received 2023-08-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I am a victim of identity theft. I have sent the correct paperwork per the FCRA to the credit reporting agencies and they are not attaching the paperwork to the disputes to correct my credit report. 

These are the accounts : XXXX XXXX XXXX XXXX I have not gotten any copies of the verification process per the FCRA like Im supposed to.
Consumer complaint received 2022-12-07
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Exeter Finance, LLC. (MI)

In at least XXXX different multiple instances my wife is receiving collection calls from Exeter Finance for a debt on a XXXX product. We have repeatedly advised to not call her. We don't own a XXXX and have never financed anything with Exeter Finance. In fact, none of the data matches what they are trying to collect on. Repeatedly we have requested to be removed from their phone system. My wife 's name is XXXX XXXX. We live at XXXX XXXX XXXX XXXX MI XXXX.
Consumer complaint received 2018-04-27
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. (GA)

XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX S Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks XXXX XXXX   Inquiry : XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry : XX/XX/XXXX Never gave permission to run my credit, I was never asked.
Consumer complaint received 2023-08-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL (IL)

This occurred on XXXX XXXX We received an email from Paypal about some suspicious charges on our Paypal credit account. We immediately called them to find out what happened. They informed us that a company call XXXX XXXX XXXX had charged us almost {$2000.00} and the recipient was XXXX. The Paypal representative told us to file a claim with the Paypal Resolution Center. We went online and filed the claim but received an email the next day stating that it had been denied. We once again called Paypal to get an explanation but were told that there was nothing they could do. We questioned the reasoning, since we were charged 10 times for the same amount, after midnight on the 12th. Paypal once again told us they could not do anything for us. If you go on PayPal 's web site, their motto is " Trust the way you Pay ''. What a joke!!! We tried to reach out to XXXX and XXXX but could not find any contact information for either of them. My wife and I are senior citizens and losing {$2000.00} is huge for us. I am hoping that you can help us get a refund. Thanks
Consumer complaint received 2023-01-23
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. (NY)

Transunion and XXXX XXXX XXXX has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is XXXX of multiple disputes sent to XXXX, XXXX, TransUnion, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, TransUnion and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. I have received multiple responses from XXXX, XXXX and TransUnion stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )