davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
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 Follow-up 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 items 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. 
Please remove these 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
Consumer complaint received 2023-09-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Angel Oak Mortgage Solutions LLC (OR)

Attached are the following documents : Loan Estimate ( XX/XX/23 ) Broker confirmed locked from Angel Oak ( XX/XX/23 ) Closing Disclosure signed XX/XX/23 Final Closing Statement from XXXX XXXX demonstrating the overcharge. 
I want an immediate refund of the overcharge in the amount of {$8400.00} which is the difference between the stated and agreed points of 1.5 % ( {$16000.00} ) and the points charged at closing of 2.25 % ( {$25000.00} ). 
At the time of closing, I was under the financial distress caused by the enormous amount of time it took to get the transaction done. I had many obligations to pay from the proceeds of the refinance, couldn't wait any longer and was surprised at the overcharge of 2.25 % points at the last second, as all of Angel Oak 's attachments confirm the rate of 8.875 % with a cost of 1.5 % points. The lock agreement confirms the locked rate and cost, which I advised XXXX at the time of closing needed to be adjusted. Angel Oak has been so advised and has not responded. I want payment in full for this unfair and deceptive act.
Consumer complaint received 2023-06-21
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. (TX)

I sent a letter last XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
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: AMERICAN EXPRESS COMPANY (MO)

I checked my credit report through credit wise and noticed an inquiry entry from American Express. I noticed it was done on XX/XX/XXXXXXXX XXXX XXXX, which I didn't authorize and didn't apply for. I contacted the company immediately once discovered. I then obtained XXXX to protect myself going forward as a XXXX XXXX. I contacted American Express in XX/XX/2023 when I discovered this unauthorized action.
Consumer complaint received 2023-03-23
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. (TX)

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, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} 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 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 2023-09-06
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. (CA)

I requested that Transunion remove a XXXX XXXX credit inquiry from my Transunion credit report. The Transunion investigation apparently concluded that the XXXX XXXX inquiry will remain on my Transunion credit report for two years. I have a letter from XXXX XXXX stating that a fraudulent account had been opened in my name, and that the XXXX XXXX account is not mine. Therefore, I feel the XXXX  XXXX inquiry should not continue to be displayed on my Transunion credit report as it currently appears : XXXX XXXX Important dates Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX  XXXX Contact info Address XXXX XXXX  XXXX XXXX, VAXXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-12-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (WI)

On XX/XX/2022 at around XXXX pm I can an unknown call stating I word a debt that I know was included in my bankruptcy. They said they mailed me many time at and invalid address and even my current address ( I never received any documents ). When I called they said when it goes to court I will owe over {$4000.00} if I pay {$900.00} today it will be resolved or even a down payment of {$300.00} and {$150.00} a month after XXXX XXXX paid. Also stated this would affect me writing checks for 7 years and wouldnt be able to open any accounts. Also they would take a lien on my husbands payroll. 

XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Subject : Immediate Deletion of Inaccurate Account Information Within 30 Days : I am writing to demand the immediate deletion of inaccurate account information from my credit reports held by TransUnion and XXXX. The account associated with XXXX is currently being inaccurately reported, as outlined below : 1. The account numbers provided on my TransUnion ( XXXX ) and XXXX ( XXXX ) reports do not correspond to the original loan documents ( XXXX ) I possess. 
2. The reported balance of {$630.00} on both my TransUnion and XXXX credit reports is blatantly incorrect and does not align with my payment history or the actual purchase amount of {$450.00}. 
3. The inaccuracies in my credit reports are compounded by the fact that my last payment of {$140.00} made on XXXX XX/XX/2024, was never deducted from my original balance of {$450.00}. This discrepancy further highlights the inaccuracies in the reported balance and payment history associated with the XXXX account XXXX 
Despite previous disputes with TransUnion, XXXX, and XXXX XXXX the inaccuracies in this account were negligently verified without proper investigation. This negligence in verifying the inaccuracies is grounds for immediate deletion of the erroneous information in accordance with law. Their negligence in conducting a thorough and lawful investigation further exacerbates the violations of my rights. 
The inaccurate reporting of this information is a clear violation of the Fair Credit Reporting Act ( FCRA ) and my consumer rights. The discrepancies in the reported account numbers, balance, and payment history not only violate my rights under the Fair Credit Reporting Act ( FCRA ) but also raise concerns regarding compliance with Truth in Lending Act ( TILA ) regulations. 
I demand immediate action to rectify this situation. The reporting inaccuracies directly contravene the following FCRA and TILA provisions : - Section 611 of the FCRA, mandating consumer reporting agencies to furnish accurate and complete information. 
- Section 623 of the FCRA, specifying the procedures for disputing and correcting inaccurate information with consumer reporting agencies. 
- Failure to provide accurate and complete account information as required by TILA regulations. 
- Misreporting of account numbers, balances, and payment history, which directly contravenes TILA 's provisions for accurate disclosure of loan terms and transactions. 
- Negligence in properly documenting and reflecting payment history, leading to incorrect reporting of outstanding balances. 
- Failure to ensure the accuracy and integrity of credit reporting information, a fundamental requirement under TILA to protect consumers ' rights and financial well-being.
Consumer complaint received 2022-12-06
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. (NY)

I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting XXXX XXXX Accurate. 
And according to the XXXX XXXX XXXX XXXX everything has to be XXXX XXXX  Accurate. 
Accounts XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
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. (TN)

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.

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.
Consumer complaint received 2023-06-09
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. (CA)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX  # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

Thank you, XXXX XXXX
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I did a review of my recent credit report my student loan service XXXX is the absolute worse. I noticed and read they have my XXXX loans in various different amounts as open on all three on my credit reports. My XXXX loans were under XXXX XXXX which I was awarded public service loan forgiveness due to the required payments I had 4 loans forgiven Loan Sequence as follows s # XXXX {$1400.00} forgiven # XXXX {$2700.00} forgiven # XXXX {$2100.00} forgiven # XXXX {$3300.00} Only my graduate loans should be listed not the old ones. 
My account # XXXX
Consumer complaint received 2023-06-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Experian Information Solutions Inc. (NY)

Today is XX/XX/2023 On the Experian credit report it states I'm 30 days late! 
My grace period is the XXXX of every month, I have until the XXXX of every month to not be 30 days late! 
XXXX XXXXXXXX XXXX XXXX XXXX has already charged me 30 days late today!!!!
Consumer complaint received 2023-05-19
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. (PA)

I have sent several letters, and complaints to have information removed and it still remains in my credit. Its inaccurate and they continue to remain in my credit : You have opened an Account Dispute on your Experian credit report. 
XX/XX/2023 Your Dispute Results are ready. 
XX/XX/2023 Notifications Preferences Select all Mark as read Archive All alert types Sort Your Account Dispute has been updated. 
XXXX XXXXXXXX XXXX You have opened an Account Dispute on your Experian credit report. 
XXXX XXXXXXXX XXXX You have opened an Account Dispute on your Experian credit report. 
XXXX XXXXXXXX XXXX  You have opened an Account Dispute on your Experian credit report. 
XXXX XXXXXXXX XXXX Your FICO Score has decreased by XXXX points. 
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX has reported your account as over or at your credit limit. 
XXXX XXXXXXXX XXXX  Good news : Your FICO Score has increased by XXXX points! 
XXXX XXXXXXXX XXXX XXXXXXXX got a copy of your Experian Credit Report. 
XXXX XXXXXXXX XXXX Your Account Dispute has been updated. 
XXXX XXXXXXXX XXXX Good news : Your FICO Score has increased by XXXX points! 
XXXX XXXX XXXX Your Address Dispute has been updated. 
XX/XX/2023 Your Employment Dispute has been updated. 
XX/XX/2023 Your Employment Dispute has been updated. 
XX/XX/2023 Your Address Dispute has been updated. 
XX/XX/2023 You have opened an Account Dispute on your Experian credit report. 
XX/XX/2023 You have opened an Employment Dispute on your Experian credit report. 
XX/XX/2023 You have opened an Employment Dispute on your Experian credit report. 
XX/XX/2023 You have opened an Address Dispute on your Experian credit report. 
XX/XX/2023 You have opened an Address Dispute on your Experian credit report. 
XX/XX/20XXXX XXXX
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2022-12-13
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. (IL)

I contacted Equifax on XX/XX/XXXX and disputed inaccuracy like wrong names, employers, wrong addresses and unauthorized hard inquires ( below ) be removed from my credit file. I am requesting assistance to get the unauthorized inquiries below remove ASAP. I am starting to feel like they are retaliating against me because I filed a CFPB complaints against them XXXX months ago. They have me blocked from access my credit profile online. 

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

The credit reporting agency is reporting information that is inaccurate. I notified them of these inaccuracies in XXXX and they have yet to respond and it has been over 30 days.
Consumer complaint received 2024-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2022-11-24
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: Experian Information Solutions Inc. (MA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX  ) XXXX, and XXXX  XXXX have 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 an account without my written instructions.
Consumer complaint received 2023-06-26
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. (GA)

XXXX XXXX/XXXX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX SPACE COAST CREDIT UNION XX/XX/XXXX EXETER FINACE LLC/WCG XX/XX/XXXX TBOM/ATLS/ASPIRE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX VERVENT/TBOM XX/XX/XXXX CREDIT ACCEPTANCE XX/XX/XXXX LEASE & RENTAL XXXX XXXX XX/XX/XXXX CONSUMER PORTFOLIO SERVICES XX/XX/XXXX NOWCOM/WESTLAKE FINANCIA XX/XX/XXXX
Consumer complaint received 2023-04-21
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: Resurgent Capital Services L.P. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX These companies are reporting on my credit without a my consent.i have no contract with these company.they are violating my consumer rights
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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.

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.