davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

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 Account Name XXXX XXXX  Account number XXXX Account Name XXXX XXXX  Account number XXXX Account Name XXXX XXXX  Account number XXXX Account Name XXXX XXXX XXXX XXXXXXXX XXXX  Account number XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account number XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account Name XXXX XXXX XXXX XXXX Account number XXXX Have violated my rights. 

XXXX5 U.S.C. 1681 Section 602A states I have the right to privacy 15 U.S.C. 1681 Section604A states a consumer reporting agency can not furnish a report without my written permission.

15 U.S.C. 1681C 15 U.S.C 1681S-2 ( A ) ( 1 ) a person may not furnish any information related to any agency consumer if the person knows or has reasonable cause to believe that the information is inaccurate.

Delete These Accounts Immediately
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Once again XXXX does not offer the capability of getting rid of wrong personal info. Error message comes up. They have screwed up my stellar credit rating royally. I can not get a positive answer for any credit card I never lived at an address listed. I have been divorced without the acknowledgment of this organization. How is this agency able to wield such authority without being overseen regularly. 
Just disgraceful.
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (NJ)

An agent returned my call a few years ago from XXXX XXXX XXXX. 
My credit was bad. I was trying to get a card with low percentage. 
He said that card was at 16 % interest, compared to others that were at 29 % or something at the time. 
He convinced me that I was getting XXXX dollars at that rate. 
So, about a couple of days later, the card came in. 
Alone. 
No paper work attached! 
So, I went shopping and bought XXXX item for either XXXX or XXXX dollars. 
Within the next week the paper work came. 
When I realized that the guy lied, I called and left a message that I wanted to cancel the card. They said someone will call me back. 
A woman, a manager, called me and told me at a later date and told me that I was late on my payment. 
I think the late charge at the time was XXXX dollars. 
I explained what happened. By then, I had checked the reviews and they were terrible for XXXX XXXX XXXX. So, I told her that it wasn't right etc... 
I remembered to my surprise ( I was XXXX ) She answered that " it was me who misunderstood because of my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). So, I'll suggest you pay the money and get on with it! '' Ha. 
I hang up and I paid what I owed. 
In it's entirety. 
Then, I cut the card up and was done with it. 
XXXX XXXX - I've attached a copy from XXXX where anyone can see that the dates on the report don't make sense at all. 
I am asking XXXX XXXX XXXX to please provide me with all records because they should not do this to anyone.
Consumer complaint received 2022-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

An agent returned my call a few years ago from XXXX XXXX XXXX 
My credit was bad. I was trying to get a card with low percentage. 
He said that card was at 16 % interest, compared to others that were at 29 % or something at the time. 
He convinced me that I was getting XXXX dollars at that rate. 
So, about a couple of days later, the card came in. 
Alone. 
No paper work attached! 
So, I went shopping and bought XXXX item for either XXXX or XXXX dollars. 
Within the next week the paper work came. 
When I realized that the guy lied, I called and left a message that I wanted to cancel the card. They said someone will call me back. 
A woman, a manager, called me and told me at a later date and told me that I was late on my payment. 
I think the late charge at the time was XXXX dollars. 
I explained what happened. By then, I had checked the reviews and they were terrible for XXXX XXXX XXXX. So, I told her that it wasn't right etc... 
I remembered to my surprise ( I was XXXX ) She answered that " it was me who misunderstood because of my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). So, I'll suggest you pay the money and get on with it! '' Ha. 
I hang up and I paid what I owed. 
In it's entirety. 
Then, I cut the card up and was done with it. 
XXXX XXXX - I've attached a copy from XXXX where anyone can see that the dates on the report don't make sense at all. 
I am asking XXXX XXXX XXXX  to please provide me with all records because they should not do this to anyone.
Consumer complaint received 2022-06-10
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alorica Inc. (GA)

I asked XXXXAlorica Inc not to contact me or my wife ( co-signor ) by phone. They received mail from me disputing the alleged debt and failed to validate according to 15 USC 1692g. They called my phone and I missed the call, as I was working. They called my wife and stated I told them not to call me but left out I said do not contact us by phone. She then told them to only speak to me regarding the account. The responded to my initial dispute and then failed to respond to my rebuttal. They then spoke to a 3rd party I gave no consent to have my information and told them to call me. The agent spoke about the company moving into repossession stages and further discussed me paying XXXXAlorica Inc XXXX I informed her of XXXXAlorica Inc failing to respond to the rebuttal and that they were in default. I then stated that her calling still counts as a violation and also identity theft as I did not give permission for her company to have my information. On XXXX XX/XX/2022, an agent XXXX XXXX contacted me by phone to discuss the account. It was an inconvenient time as I was filing a document in court. I asked his permission to call him back. XXXX XX/XX/2022 I spoke to XXXX. I brought him up to speed on the account and he asked for copies of the affidavits furnished to XXXXAlorica Inc . I have proof of XXXX XXXX cyberstalking one of my social media accounts. XXXX XX/XX/2022 I sent the copies to XXXX and informed him if any further injury was caused to me or my wifes consumer reports, that communication would serve as a notice of intent. I can forward whomever gets this complaint copies of everything as well as provide certified mail tracking numbers. Thank you for your diligence. The account is for a XXXX home my family currently domiciles in.
Consumer complaint received 2021-03-12
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: Pioneer Capital Solutions Inc (TX)

I filled 4 disputes with XXXX to dispute the PIONEER CAPITAL SOLUTION Collection agency for the past 2 years.

I provide Copay receipts and the XXXX XXXX statement that shows I have a {$0.00} balance. Claim XXXX Date of Service XX/XX/XXXX was paid on XX/XX/XXXX Sent Electronically XXXX XXXX to Provider : XXXX, XXXX XXXX for {$2000.00}. Please see the XXXX XXXX attachment. 

XXXX has responded with the same response " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I filled 2 disputes with XXXX about PIONEER CAPITAL SOLUTION and received the same results as XXXX. 

Listed below are the disputes. 

Experian Date Submitted : XXXX XXXXXXXX, XXXX Report Number : XXXX Date Submitted : XX/XX/XXXX Report Number : XXXX Date Submitted : XX/XX/XXXX Report Number : XXXX Date Submitted : XX/XX/XXXX Report Number : XXXX Equifax Confirmation number : XXXX Submitted XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Both Equifax and Experian have the same account number as listed below. 

Account Number : XXXX Original creditor : XXXX XXXX XXXX {$300.00} Company : PIONEER CAPITAL SOLUTION Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Despite numerous written requests, the unconfirmed accounts listed below persist on my credit report, which is a breach of federal law. The XXXX Credit Bureau has not adhered to the Fair Credit Reporting Act, 15 U.S. Code 1681i within the legally mandated timeframe. They have continued to report unverified information despite my efforts to resolve this directly with the creditor. This can be seen as deliberate negligence and non-compliance with federal regulations. I kindly request the immediate removal of the following accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX NV XXXX XXXX XXXX. Please delete this account immediately.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit report is showing late payments on XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-01
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. (LA)

I recently wrote to Experian via certified mail, disputing information that I did not recognize and or find to be accurate on my credit report. The letters I wrote to them were left with an agent of the company per USPS tracking. I have included proof of this. Afterwards, I did not receive any indication from Experian that the disputed information was under investigation, nor did I receive any investigation results. I gave them plenty of time to get back to me. I feel it is unfair that they did not respond to my request for dispute. That alone is grounds for removal! However, I do not believe a proper investigation took place for the following items : XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX  XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have spent time comparing my Experian report, to my XXXX and XXXX reports, and there are MANY discrepancies. Why is there so much inconsistent data for these items? Isn't it Experian 's duty to ensure that my credit report is 100 % accurate and truthful? All this means to me is that Experian has been allowing these companies to furnish incorrect information this entire time, which deserves the deletion of the disputed items. Furthermore, I am concerned that my right to privacy is being violated. I have no idea how these companies obtained my personal, nonpublic information, such as my social security number to be able to furnish the information that they are reporting. Due to the inconsistent information, and my inability to recognize these companies, I reached out to them requesting information. I requested for them to send me any original contracts that they may have on file baring my unique signature. Because I did not consent to opting into reporting, I also requested any disclosure forms that these companies may have on file baring my unique signature, -which by federal law, are to be " clear and conspicuous ''. I had this right taken from me because no one gave me a choice. To this day, I have never witnessed any physical documentation baring my unique signature from any of the companies above. I just want to make sure everyone is following the law and that you, the CFPB, the supervising body of the Credit Reporting Agencies, are helping to ensure that my right to privacy is being respected, as well my right to fairness and accuracy. I am requesting that the accounts be deleted due to these matters included. I do not consent to E-Oscar.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2022 XXXX charged my card XXXX, when they were only suppose to charge XXXX. On XX/XX/2022 capitol credit my XXXX, however, there was No available credit, and it just basically keep my account from becoming negative. ( I didn't spend any of the credit that was applied to my account. ) XXXX XXXX told me to call the XXXX to fast track the process. Which I did and XXXX refunded me XXXX and I also made a payment for XXXX. This left me with an available balance XXXX and I got a cash advance for XXXX and made ah couple purchases adding up to XXXX. If I wasn't able to spend the credit on XX/XX/XXXX, why would they charge me on XX/XX/XXXX the XXXX and XXXX had already been paid XX/XX/2022.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5900.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-11-01
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. (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 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 2022-06-10
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2023-07-24
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. (IN)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Consumer complaint received 2023-12-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My husband died last year ( XX/XX/22 ) from a long term series of health issues. He was XXXX. When he first purchased our home, he was the only name on the mortgage and later the HELOC he took out to do many home improvements. I was added to the mortgage a few years later and then after he fell ill, he borrowed money from the HELOC again, taking it back up to the original XXXX limit. It had been paid down to around XXXX at that time. The paperwork for this second HELOC withdraw was done while he was in the hospital, I was added to the paperwork at that time. And I did sign it. I was also told earlier that day that my husband needed XXXX XXXX from a XXXX XXXX he was fighting and that I needed to call family and friends. I was not aware of the terms of this loan, and at the time the interest rates were affordable and we could pay more than the minimum. He ended up in a XXXX XXXX for a month, he held on for maybe another 5 yrs. He died in our home in front of me from XXXX XXXX XXXX. He left me with no life insurance or any sort of investments or retirement fund. I am XXXX and spent most of the last 30 yrs being a full time mom to an adult on the XXXXXXXX XXXX who is now an independent and amazing adult. Working outside the home would have been impossible while our son was growing up. I was and still am his advocate, its a full time job and it doesn't pay well at all. 

Since my husband passed the interest rates have skyrocketed to close to 11 % and the payments have doubled. Only XXXX dollars of the XXXX dollar minimum payment goes toward the actual loan/line of credit. How is this allowed? How is this right? and do I have any options at all? My actual mortgage has a balance of around XXXX and I will have that paid off in less than 9 yrs. This HELOC has around a XXXX balance and it won't be even close to paid off for 20 years. What can I do to get help? I just want lower payments, not a free ride. I hope you can help me. Thank you for your time.