davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
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. (PA)

I recently received a copy of all three of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2019-07-19
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: CORELOGIC INC (GA)

usc section 1681 states that there must be written authorization from the designee for any inquiries and also section 609 of the fcra states there must be signatures in order for this to be legal these are illegal practices by these companies and if not seased now i will take legal action immeadiately these inquiries are unknown and unauthorized
Consumer complaint received 2023-06-02
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. (NY)

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 2023-04-09
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. (IL)

i have inquiries on my report that i noticed i didn't make and reached out to creditor to dispute inquiries .i will like assistance in removing fraudulent inquiries and i have a fraudulent account on my report i have included police report and affidavit as well as proof of identity.
Consumer complaint received 2023-05-31
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 have contacted XXXX and Experian several times and have been ignored. We voluntarily surrendered this boat that XXXX took possession of in XX/XX/XXXX. Now In XX/XX/XXXX on my credit report it shows that XXXX have repossessed this boat again. This has negatively affected me getting credit. I am only having this issue with Experian.
Consumer complaint received 2023-05-31
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. (GA)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please be advised I have a tradeline from XXXX XXXXXXXX XXXX on my credit report! It is a self lender account as to where I paid a certain amount each month and it is deposited into a CD and at the end of the term ( which I have completed ) I get my money plus interest back! The tradeline is showing I was 30 days late in XXXX of 2017 which is not correct! I was never 30 days late!
Consumer complaint received 2023-06-02
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5600.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00}, XXXX XXXX XXXX XXXX Balance XXXX {$2900.00}XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1600.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$1500.00}, XXXX XXXX
Consumer complaint received 2023-04-09
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. (NE)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Someone got a car loan for a XXXX XXXX XXXXXXXX through XXXX XXXX under my name, The address that person used is not my address XXXX XXXX XXXX, XXXX Tx XXXX. 

My address is : XXXXXXXX XXXX XXXX XXXX, Tx XXXX Account : XXXX XXXXXXXX
Consumer complaint received 2016-01-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Pinnacle Credit Services, LLC (AZ)

I was told that I have this XXXX XXXX debt that I did not obtain. I filed a fraud claim with XXXX XXXX back in 2014 and was told that they do not have any substantial information to say it was mine. I do n't understand why I am still getting harassed to pay a debt that I have already filed a fraud claim for and was told they did not have a signature or anything on file. So I need for the XXXX major credit bureaus to permanently take this off my account and I need these debt collectors to understand that this was fraud and my personal information was used. They are selling each other debts that is useless and fraudulent.
Consumer complaint received 2016-11-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (VA)

I have an unverified account from Pinnacle Credit Services on my credit reports. I have repeatedly disputed this account with Pinnacle Credit Services and the credit bureaus. It is from a XXXX account that I paid directly to XXXX more than XXXX years ago. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt. I demand that Pinnacle Credit Services provide verification of the following : 1. The original application or contract 2. Any and all statements allegedly related to this debt 3. Any and all signed receipts 4. Original date of default and collection activity dates 5. Whether you purchased the debt, and if so, the amount paid for the debt. 
6. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. 
I demand that the account be removed from my credit reports and that Pinnacle Credit Services cease all communication and collection activities until providing verification of this supposed debt.
Consumer complaint received 2023-06-02
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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
Consumer complaint received 2024-03-02
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. (PA)

I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I received a letter stating They do not report any bankruptcies to any of the bureaus. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may know any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my rights under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. states, I have the right to privacy.

According to 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-02
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)

I've been challenging this bankruptcy for a very long time with XXXX and Trans Union. 
XXXX removed it but trans Union and XXXX keeps showing false information I thought that all 3 credit bureaus show show the same reporting as the other one this is stoping me from living my life just because it's false information on my report that's not far to me as a law, abiding American citizen
Consumer complaint received 2018-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (MI)

I received an email offer from XXXX  for their XXXX  Rewards VISA card on XX/XX/XXXX and again on XX/XX/XXXX. The offer stated that if you applied for the card byXX/XX/XXXX, get approved, and spend {$200.00} in net purchased with 40 days, you would receive {$100.00} cash back automatically. I responded to this offer prior to the deadline, was approved, and spent significantly beyond the {$200.00} in 40 days. After the 40 day spending period, I would check my monthly statements to see if the credit had been placed. By the time I received my XX/XX/XXXXbilling, the credit had not been placed on my account. I called their credit card customer service on XX/XX/XXXX and they have no record of that offer that I had signed up for in their records database. I was instructed to provide a letter and a copy of the original email offer to them via fax, which I did later that same day. I received a response letter dated XX/XX/XXXX ( the next day after receiving my documentation ) that they were denying my " ... request to apply for a different enrollment offer. Unfortunately, we are unable to change your enrollment offer if your account has been open longer than 120 day. Therefore, since your accounted was opened on XX/XX/XXXX, we are unable to process your request. '' This was not what I asked for. I simply asked them to honor their offer as I had meet the terms of the offer. I called the credit card customer service today, XX/XX/XXXX, and spoke to two representatives, the 2nd of which was a supervisor. They stated that since it was now past 120 days since the account was opened, they could not honor the offer. I asked them what I could have done differently in order to insure that XXXX  Rewards would have honored their end of the offer. They stated that I should have been more diligent and checking to see if the credit had been applied and should have called in to speak to customer service. Really? I am expected to babysit them to insure they honor their own terms and conditions? In the conversations with customer service representative, at no time did anyone say that I actually did not meet the terms of any condition of the credit card offer. What they did do was cite their own internal policies that no one outside of their company would have any knowledge of. The supervisor person said she could approve a {$50.00} credit in order to meet me " half way ''. I told her I would take that but that I still was not pleased that they were not willing to honor the offer originally sent to me of which I meet all the terms and conditions. They took a hard stance that this was the " best '' they could do.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consolidated Recovery Group, LLC (TX)

Received debt collection notice XX/XX/22 Advised it was no balance owed. 

They promised to look into it Never contacted me Increases amount owed every month No this is owed by me at all Seems like fraud cover up tried to deposit money into my account after I disputed account to justify that I owed it. Wrong account. Had already grossly impacted my credit worthiness.
Consumer complaint received 2023-04-09
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. (GA)

Account XXXX is inaccurately reporting on the credit profile associated with my social security number and is violating my consumer rights per the following information : Based on the information provided, the following inconsistencies can be observed : The Date Opened of the account on TransUnion is XX/XX/XXXX, while on XXXX, it is XX/XX/XXXX. There is a difference of 24 days between the two dates, which indicates a reporting error. 

The Date Last Active on TransUnion is XX/XX/XXXX, while on XXXX, it is XXXX XXXX XXXX There is a difference of 96 days between the two dates, which also indicate a reporting error. 

The Payment Status on TransUnion is Unknown, while on XXXX, it is Current. This inconsistency can indicate a failure to report accurate and complete information to the credit reporting agencies. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires that the information provided by a credit reporting agency must be accurate and complete. In addition, FCRA Section 611 ( a ) ( 1 ) ( A ) gives consumers the right to dispute inaccurate information on their credit reports and requires the credit reporting agencies to investigate and correct any errors.

In addition, the account comments state XXXX XXXX  bankruptcy for Transunion and Account has been closed due to inactivity for XXXX. These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires that the information provided by a credit reporting agency must be accurate and complete.
Consumer complaint received 2015-10-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have suffered severe hardships that have led to me falling behind on my mortgage. My hardship began when my ex-husband basically abandoned me and my son XX/XX/XXXX-this led to our divorce in XX/XX/XXXX. My ex-husband was the main income earner for my family and after he was fired from his job of almost 10 years we started to have problems with paying bills. When the divorce was finalized I was awarded this home and spousal and child support. Due to him losing his job that support stopped for me and my son, making the mortgage payment unaffordable for me. I receive XXXX for some debilitating conditions and in XX/XX/XXXX I was diagnosed with XXXX. The diagnosis as debilitating as it is, has not stopped me from doing what I needed to do to keep my home. I wanted to keep my son in his familiar neighborhood, that has proven to be a challenge for me. I have been appliying for mortgage relief with Nationstar for years now. I have income to prove, I can afford a mortgage payment but have experienced nothing but difficulty in the review of my options. I was even foreclosed on back in XXXX of this year, another error by Nationstar, that was corrected via them rescinding that sale. I was told they would work with me on a HAFA short sale, I desperately need relocation assistance to move my young son and my mother that is now in XXXX. I listed my home as instructed by Nationstar with an agent that presented an offer to them for consideration, this was all before any new sale date was set on my home. Nationstar working against me set a sale date on my home and are now using that sale date against me, refusing to proceed with reviewing everything I have given them. It is painful to come to terms with having to let go, now I must also face being forcefully removed from my home of almost 15years! I have worked tirelessly with this company, I am not trying to delay anything
Consumer complaint received 2023-05-31
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. (IL)

XXXX. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2023-05-25
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. (PA)

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.S. 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 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. 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 2023-04-09
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 reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!