davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I FILED A METHOD OF VERIFICATION WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION ON HOW THEY VERIFIED THE INFORMATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 249 THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. I ALSO FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I've submitted several documents supporting the bankruptcy as an error on my report. I finally have a letter from XXXX saying they have removed it from my record yet XXXX continues to say they are getting this information from XXXX, and continue to let it remain on my report which is a lie as I have a letter from XXXX stating they have removed it and that they have informed XXXX. Also they have my date of birth incorrect I've sent my state DL identifications several times including a notarized letter with a copy of my state id, and have uploaded this information to their online dispute several times and they continue to let my date of birth remain wrong I first noticed it was wrong in 2008 when I turned XXXX and started looking for an apartment which was the first time I noticed someone has been using my SSN. They continue to leave this wrong information on my report now for over 15 years of me finding out and for over 2 years now regarding bankruptcy and all accounts associated with it no matter how many times I dispute it. Bankruptcy reporting is also in error on TransUnion, and XXXX.
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (FL)

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c 1681 section 602 A states i have the right to privacy.

15 u.s.c 1681 section 602 A section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-27
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX  XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
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)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Opened XXXX XXXX XXXX  Highest Balance {$17000.00} ), XXXX XXXX ( Opened XXXX XXXX XXXX, Balance {$140.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX XXXX XXXX Highest Balance {$530.00} ), XXXX XXXX ( Opened XXXX XXXX XXXX Balance {$180.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have been diligent in making my monthly payments and find it unacceptable that a late payment has been recorded on my account. I can verify that I have never been late with this account, and therefore request that this late payment be removed.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Disputing on the all the incorrect information listed below that all 3 credit Bureaus have listed on my credit profile.Requesting for all these incorrect information to be removed. 
1.XXXX  XXXX bill in the amount of {$12000.00} is payed off yet all 3 credit bureaus have this account owed.

2.Incorrect name and address on file 3.did not give authorization for hard inquiries.

4. XXXX company as been payed in full seens 2016 which is 7 years ago but yet still on my credit profile. 

5.All 3 credit Bureaus Transunion XXXX XXXX and XXXX have been sabotaging my credit profile by not updating the correct information on my credit report.
Consumer complaint received 2017-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

I sent a letter o  X/XX/2017    to the credit Bureaus asking them to have convergent provide proof that the  XXXX  bill account is indeed mine. On  X/XX/2017    I receive a letter from Convergent stating that they investigated and the account is mine and the attached  XXXX  bill is validation. According to the FCRA this account has to be verified and submitting a bill is not verifying that this debt is mine. Where is the signed contract, with my photo id?
Consumer complaint received 2023-01-03
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. (OH)

I have been a victim of identity theft due to the lack of security with Experian with XXXX XXXX and XXXX just last XX/XX/XXXX XXXX XXXX and XXXX removed finally the N accuracies of a fraudulent account on my credit report. Experian on the other hand has not done their due diligence to properly handle this case I have disputed it over and over and now they say I can no longer dispute the case, I was a victim of identity theft. This was a case of identity theft and I approved it with the other two companies Now I am bringing this situation to consumer finance. I wish you didnt have to get to this level but I see no other way this company has lied for years. Theres so many inaccuracies with what theyre claiming the balance owed due the name of the company I would just like someone to look into this look at both XXXX XXXX full report and EQUIFAXs report and then go look at Experians report and you can just see how they are just running it through the system that is not how our system works. We are supposed to be protected from being victims of identity theft they have provided me with identity, safe protection, but yet they allow it to continue to occur, now this is a very since XXXX. I believe was the first time I was made aware of this and I have been rigorously disputing this if theres something else that I would have to do to somehow bring this to XXXX a head weigh I just do not feel that Experian has properly and with a human actually doing the investigation and not a computer program that just runs off a bunch of algorithms and put it into the system that is not how our system should be ran and if it is, thats why were in the trouble we are in now. I want to thank you for taking the time to listen to my case listen to my complaint and that everything I have been saying, since the beginning is the truth, I did not open that account did not know anything about the account, and I would like this to come to a peaceful conclusion. Thank you very much for listening to me again have a blessed day and a happy new year. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/XXXX ; I had agreed to an auto refinance for my then XXXX XXXX XXXX. The company that solicited me the refinance offer was called XXXX and they had assigned the loan to a company called XXXX XXXX XXXX. Issues with the loan refinance arose after it was assigned to XXXX. XXXX never filed for a new Arizona auto title, and never perfected the lien on the vehicle. About a month later, I recieved the previous title that was cleared of any liens. I had verified with the state of Arizona Department of Transportation Motor Vehicle Division that no lien was placed by XXXX. I attempted to speak with XXXX customer service about the huge issue with the title and was ignored. At one point I was threatened with reposession despite XXXX not having legal ownership via a perfected lien. Eventually, I had enough and sold the vehicle to a local dealer which had no issue transferring the title. XXXX then charged off the loan and marked it as a reposession despite no reposession ever taking place. They placed on my credit bureau this reposession that doesnt exist. XXXX by their failures with this loan has not only destroyed my credit, it has caused emotional distress and XXXX
Consumer complaint received 2022-11-02
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. (PA)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-07-09
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: EQUIFAX, INC. (FL)

Within the last month, I called the Equifax credit bureau numerous times to remove my inquiries that I did not approve of. They still have not deleted it from my credit report. It is not showing on my other credit bureaus as of now and I want these inquiries removed, according to the Fair Credit Reporting Act.
Consumer complaint received 2023-01-04
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (PA)

in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2023-06-04
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. (NC)

Hello I wanted to report that this company is violating my rights under Fair Credit Reporting Act 15 USC 1681-6028 that states I have the right to privacy & 15 USC 1681- 6042 that says I have to give written permission to put on my report Both of these have not been done. to the following companies. 

XXXX XXXX- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would request that these companies info would be removed.
Consumer complaint received 2017-02-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

submission, [ Case number : XXXX ] I received a response from the HSBC, it was inadequate, they were sued and I was a victim of HSBC failures. they want to hand this issue off to another servicer, as if I was n't serviced by HSBC, repair their image. 
I asked for a VA loan, HSBC promised me a principle reduction, my loan is in a modification. I did n't see any paper work in the terms of the modification, which I understood my rate would not change they lied, I did n't see anything about a principle reduction they transferred my loan. please forward my case to the legal department the was recently awarded a settlement HSBC. My case should be awarded like the many of their customers that were caught up with the Mortgage practices of HSBC. please forward my case. I was also kept from doing HARP, by HSBC. I am experiencing a hardship due to HSBC practices.
Consumer complaint received 2023-06-04
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. (MD)

On XXXX XXXX, I paid off in full my XXXX XXXX XXXX that I was the co-signer on with my now deceased mother, XXXX XXXX. I mailed the check in and by XXXX XXXX the check cleared. I paid the total balance of {$12000.00} to XXXX XXXX. I received a lein release letter sometime in XXXX and by the end of XXXX the account was considered as closed and paid in full on my XXXX and XXXX credit report. 

For some reason, it never cleared on my Transunion. I filed XXXX disputes to say that the account was paid Transunion denied the dispute. I called XXXX XXXX and they stated that the information was shared with the credit reporting agencies. I called Transunion and their advice was to file a third dispute. It is currently showing that I am XXXX days late although I have paid it off in full and the accounts has not been reported since XXXX XXXX. ( According to XXXX XXXX ) I am not sure what to do. Please note that XXXX XXXX misspelled my street name. It should be XXXX XXXX, not XXXX XXXX. I have uploaded XXXX files to prove that I have paid my debt to XXXX XXXX off in full. Their phone number is XXXX. My account number is XXXX.
Consumer complaint received 2023-06-04
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)

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

The Following Inquires on document are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX  and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2021-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (TX)

The transaction was done at XXXX on XXXX XXXX in XXXX XXXX Texas I deposited cash {$460.00} on my PayPal cash card account at XXXX business center I got a receipt of cash deposit with reference my PayPay cash card last 4 digits of my pay pal master card number this is a routine transaction that I have done before and usually money is in the account in 10 minutes but this time when there is a pandemic going on in money so tight it doesn't go through and PayPal says that you don't know where the money went XXXX says you have to call the card issue or we did our job so I didn't do anything wrong I followed the proper channel offered by PayPal that works all the time and didn't break any rules or any guidelines any fine print I have receipt for it and they don't want to even acknowledge it
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i have linked the previous response the company XXXX XXXXXXXX XXXX XXXX said in the last CFPB complaint for reference which I find unsuitable. The company stated I was willing to pay them for a debt i have no knowledge of and ill and wrongfully stating to have sent me proof of validation on XX/XX/22 when that is false they have not sent me proof of ( proper ) validation regards to the FDCPA, XXXX and the FCRA including a breakdown of all fees including all collection as well as medical charges. To claim i owe them and not provide proof of the listed validation, contract they claim to have with my signature of agreement to pay them ( they claim ) is absurd. They will not be receiving any funds from me till their claims are proved to be correct. They don't even have my real address which is also proof they are just throwing things onto people 's credit and I will not tolerate this and they have no consent to add anything back onto my report till they prove their claims to me and they have a duty to prove proper reporting to me not the other way around. The company even took more than 30 days to response till i made the CFPB complaint which also is in violation of the law which I will also bring to me to court as evidence of the predatory practices if they so choose to feel the need to report onto my credit report again after mentioning to them him they have no consent till they provide ( PROPER REQUESTED EVIDENCE OF THE ITEMS LISTED ABOVE ). Transunion and XXXX I will also hold accountable for sitting back, seeing this happening and deciding to stay out of it when you have a duty to report accurate information and you are not just as well as they do ( XXXX XXXXXXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2016-01-15
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Dominion Residential Mortgage, LLC, Fairfax, VA Branch (VA)

XXXX XXXX XXXX who works for Dominion Capital Mortgage Inc. located at : XXXX XXXX XXXX XXXX XXXX XXXX VA. XXXX emailed me and offered to refinance my mortgage at a lower rate. I contacted me and after a couple of days indicated that my application was approved and charge me {$450.00} for appraisal which I paid. 

Few days later he indicated that he sent my application to underwrite to finalize it. 
After few days he called and told me that the bank turned down my application for not having enough to be qualified for loan. 

I asked him to credit my credit card, he refused to do it. My complain is, if you could not get my application approved why you order appraisal.