davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
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. (GA)

I CALLED ALL 3 credit bureaus and spoke to them about the fraudulent inquires on my credit report. the all said to contact the companies and the companies said to contact the credit bureaus. I've been getting the run around. I told them i filed an identity theft report with the government as well. here are the fraudulent inquires for each bureau. TRANSUNION 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 2023-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I, XXXX XXXX XXXX, am XXXX and hold superior title and ownership over the principal ( XXXX XXXX XXXX ). I rebuke and reject XXXX  XXXX XXXX XXXX false presumption through a promissory note claiming my superior title and ownership over the principal ( XXXX XXXX XXXX ). I command XXXX XXXX XXXX XXXX with the account number XXXX to remove their debt immediately from my credit profile. The attached photo identification is evidence I hold superior title and ownership over the principal ( XXXX XXXX XXXX ) and that XXXX XXXX XXXX XXXX has no standing at law against my superior title and ownership over the principal ( XXXX XXXX XXXX ).
Consumer complaint received 2022-10-23
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: Experian Information Solutions Inc. (AL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My personal information continues to get mixed with my father whose name is XXXX XXXX, XXXX. I continuously request the bureaus to correct my personal information with no results.
Consumer complaint received 2022-09-12
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (NY)

This company has contacted me after signing for and receiving a cease and desist notice. I do not want to nor have contracted with this company. Under false pretenses, this company makes it appear as if there is a debt owed to them. As a consumer and traveler, there is no debt owed from simply traveling on Gods land. 

On XX/XX/2022 there is a first notice from this company stating, I owed a debt, and on XX/XX/XXXX, there was a cease and desist notice sent certified with return receipt to this company. 

XX/XX/2022 another notice was sent to me, stating I still owe a debt.
Consumer complaint received 2023-08-11
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth :XX/XX/XXXXTo Whom It May Concern, I am writing to file a formal dispute regarding inaccuracies and unauthorized inquiries present on my credit report. I believe that my rights, as protected by the Fair Credit Reporting Act ( FCRA ), have been violated by the following creditors : Unauthorized Inquiries : 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 XXXX XXXX XXXX XXXX XXXX These violations directly affect my financial well-being and have caused undue stress and hardship. While I understand that errors can occur, the frequency and severity of these violations have significantly impacted my ability to secure favorable credit terms. This situation has also led to emotional distress and hindered my pursuit of important life goals, such as obtaining a mortgage for a stable home environment. 

I kindly request your intervention to enforce the legal protection afforded to consumers under the FCRA. I urge the creditors mentioned above to investigate and rectify the inaccuracies, unauthorized inquiries, and violations outlined in this letter. Furthermore, I request the removal of the unverified accounts associated with the aforementioned creditors from my credit report. 

I appreciate your prompt attention to this matter and trust that you will ensure that my rights are upheld. Please inform me of the steps you take and the resolution reached. I can be reached at [ your email address ] or [ your phone number ] for any communication related to this dispute. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-29
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. (OH)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2018 Transunion launched an investigation into this collection account which was found not to be mines and they deleted. The item on XX/XX/2018. I applied for a place on XX/XX/2018 and was denied because of this collection that was deleted. I called TransUnion report screening who handles rental and background checks. They stated I needed to call the Transunion credit bureau which I did and they assured me that the item was not there and that they didnt see an inquiry from this company.
Consumer complaint received 2023-09-05
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. (GA)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX consumer service department Attn. : Consumer Relations XX/XX/XXXX To Whom It May Concern, On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were INNACCURATE. To date, I have not received a reply from you or any acknowledgement that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
Please see my reasons for dispute below : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX  XXXX Date of inquiry : Please remove XXXX. The inquiry was XXXX  XXXX Date of inquiry : Please remove 7. The inquiry was XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XX/XX/XXXX it from my credit report. 
not authorized XXXX it from my credit report. 
not authorized I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 
XXXX Sincerely, _____________________________ XXXX XXXX
Consumer complaint received 2023-09-05
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. (GA)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VA)

NELNET response failed to acknowledge that under SCRA, a lender can not revoke my loan or credit history, change my credit terms, or refuse to grant me credit simply because I exercised my SCRA rights. A lender can not provide damaging information to a credit reporting company simply because I exercised my SCRA rights. The SCRA and FCRA required NELNET to reduce my interest rate so that I could repay my remaining ( NEW ) balance without it negatively impacting my credit file. While I understand the importance of repaying debt, I did not feel obligated to pay accounts where the lender refused to comply with SCRA ( capping the interest rate and relaying the new balance due ). Moreover, the SCRA covered a time in which I was transitioning to a new military branch. SCRA requires that official military correspondence is acceptable documentation. During the time in which NELNET says I should have been able to pay ( i.e., 2017 ) I was reporting for official military duty. NELNET 's response is a slap in the face towards all servicemembers who raise their right hand to serve this country!
Consumer complaint received 2018-04-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (TX)

Im a first time home buyer in which I closed on my property on XX/XX/2017. My mortage lender is XXXX XXXX XXXX XXXX. Before I closed on my property my loan officer had assured me that my loan payments will be XXXX a month. After I closed on my property 4 month later the same company raised my mortgage to XXXX a month. Before closing I had made it clear that I will not be able to afford a mortgage above 2000. I also emphasized that if my payment will be above 2000 that I will not close on the property. I contacted them about the issue and they claim that they did not have any information about the property to get an exact property tax value and thats why my payment had increased so m much. I believe that they were aware of the going tax rate in my county at the time but didn't include the correct tax rate at the moment just to satisfy my demand of not paying a mortgage payment of over 2000 a month just to get me to close on the property. I feel I've been taken advantage of for my lack of knowledge on home buying and demand for them to honor the original mortgage payment.
Consumer complaint received 2023-06-18
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. (MI)

Equifax Information Services XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX To Whom It May Concern : Re : XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed above as reporting 100 % accurate. 
However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
Docket Number # XXXX, Date Filed ; XX/XX/XXXX, Asset Amount : {$0.00}, Status :- is incorrect, and doesnt match my records.

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting in my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report.

After doing so please provide me with an updated credit report reflecting the changes.

FCRA 603 ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-10-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Three company 's in my email saying I have accepted offers and all I do is fill out the same information every day 100 times and none of them give a loan ... I also had. A credit card from total visa. Made all my payments not just on. Time but early. They cut off my account and say I owe XXXX ..., instead investigate anything. I can not reach anyone and I have my bank statement s where I made the payments. I can not even. Get a credit card now.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion is reporting I only have XXXX  years of credit history. The other 2 credit reporting agencies report I have more than XXXX  years of credit history. My student loans were originated in XXXX  so I have at least XXXX  years of credit history, not XXXX  years. 

Transunion needs to correct the XXXX  years and change it to XXXX  years of credit history.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-05-15
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. (PA)

I have reached out Experian on 3 separate occasions about this debt being incorrectly reported by XXXX XXXX XXXX. I have also reached out to XXXX XXXX as well. The date of first delinquency has been WELL over 7 years, and when informed of this, and told that the last activity on the account was almost 8 years old. Inspite of this, Experian has not verified the accuracy receiving nothing from original creditor ( XXXX  XXXX ) or account summery when last activity was, only asking XXXX XXXX XXXX to verify. XXXX XXXX XXXX fraudulently reported incorrect dates that have no documentation to verify the accuracy from original creditor. Only items provided was that there was delinquency 's from XX/XX/, but nothing on the status prior, because it would show there was delinquency then as well making the debt much older then is allowed to be reported.
Consumer complaint received 2023-08-11
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. (FL)

I submitted a complaint last XX/XX/2023 and some fraudulent items got deleted but there are still a lot who is reporting on my credit that needs to be deleted. I am submitting a new complaint hoping that they will all deleted because there are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2022-11-10
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: EQUIFAX, INC. (NM)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX  XXXX XXXX Date Opened : XXXX XXXX, 2018 Balance : {$5300.00}
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX website stated I can get a pre approval without affecting my credit score. This was not true and now I have 5-6 hard inquiries on my credit reports. I spoke with XXXX the Manager at XXXX XXXX XXXX in XXXX WA, on XX/XX/XXXX and he said that if I dispute the inquiries he wouldnt dispute back.
Consumer complaint received 2023-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc. (LA)

Multiple disputes was submitted to this agency regarding the debt. Went to original creditor who provided documentation that the debt is no longer owed. This debt collection agency has not stop contacting or reporting inaccurate information to bureaus after multiple disputes.