davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
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. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-08-11
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. (NJ)

I am submitting this follow up complaint notify the XXXX and Equifax Bureaus once again about the dispute of certain remaining inquiries in my file resulting from the crime. Once more the inquiries I am disputing do not relate to any negotiations obtaining any possession of goods, services or money that I have made or approved. Please block and remove the reporting of these inquiries in my credit file. These inquiries are unknown to me. Also, the reporting details you provided on these inquiries are already DELETED from other bureaus and now I have doubts in the reporting accuracy on some inquiries that you presented me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

A year ago, my student loans were transferred from XXXX to XXXX. My credit report now shows 4 loans instead of 2, and a loan balance that's twice as much as it should be. I've called XXXX and XXXX multiple times each, spending hours on hold only to be told by both that it's the other servicers problem. I disputed the erroneous account/balance directly with the credit bureaus, but they changed nothing, and referred me back to the servicer. I asked XXXX if they could send me a document saying that my account with them was closed so that I could prove to the credit bureaus with another dispute that the account and balance with XXXX is false- they said no, that they can only issue documents that are approved by the Department of Education XXXX I spoke to XXXX ( again ) the same day and was told that only XXXX can fix this.
Consumer complaint received 2023-02-28
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)

After looking over my credit report I see that I have hard inquiry from a XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX that I did not authorize. Please remove all of these hard inquiries.
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: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. 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 XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-17
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)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Bureaus, Inc. (FL)

I filed a Dispute with each Credit Bureau on The Bureaus for a {$390.00} Collection on my credit report in XX/XX/XXXX requesting proof of balance and documents since I never physically had a credit card or statement for this account. 

Yesterday, I received a letter from XXXX XXXX XXXX and called them to find out if what the collection was about and if it could be negotiated. I assume The Bureaus does not have this XXXX XXXX any longer but still reports it on my Credit Report. 

XXXX XXXX XXXX told me I had a XXXX Contract and had made a {$90.00} Payment in XXXX which I do not recall so I filed a XXXX XXXX Dispute today wanting proof of the Contract, proof of Payment and " Chain of Title '' or COT from the original creditor. The Contract Statue of Limitations is 5 Years in Florida. 

I would like The Bureaus {$390.00} Collection removed from my Credit Report. Thank you!
Consumer complaint received 2022-10-28
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)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts in my document coming about because of the wrongdoing. The accounts 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, delete the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I noticed a derogatory account from XXXX XXXX  on my credit report. I submitted a dispute on the Experian website as I have never had an account with XXXX XXXX. The results came back that the account was verified as mine. I then contacted XXXX XXXX  directly to dispute the account. I provided them my full name, address, and social security and they are unable to locate an account for me based on my information. I then contacted Experian to inform them of this information and asked them to hat information they provided to the creditor so that I may understand how they were able to confirm the account as mine and when I call XXXX has no record of me. Experian was not able to provide me any useful information, only stating that they file the dispute with the creditor and the creditor performed an investigation and gave them the results.
Consumer complaint received 2022-10-24
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; CAPITAL XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. DPT ED/XXXX XXXXXXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-02-28
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. (NY)

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX  BANKRUPTCY XXXX XXXX  ACCT # XXXX 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.
Consumer complaint received 2017-04-09
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: FIFTH THIRD FINANCIAL CORPORATION (MO)

XXXX is threatening me to file a lawsuit to collect a debt that was not mine and has been taken off of my credit report. The only Fifth Third Bank account I had was one that shows up on my credit report as closed and paid off and this other debt was after I closed this account.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (MI)

I live in Michigan, looking to relocate to XXXX. I have made purchases and hotel booking payments for the last XXXX weeks. When prompted to verify charges via text I accept, acknowledge and verify I made the purchases. They have now decided to freeze my account AFTER I authorized said charges. Now I have no access to my account to get paid, I am unable to pay for my housing which is weekly, food nor transportation. I may become homeless if this problem isnt fixed.
Consumer complaint received 2023-02-28
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. (NY)

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX  XXXX ACCT # XXXX 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.
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Finance Company, Inc. (DE)

Please see my previous case with consumerFinance.gov : XXXX. Professional Finance Company stated they would removed their derogatory credit report from my credit reports. It has been 6 weeks and my credit reports have not been corrected.
Consumer complaint received 2024-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

This is the latest email I have sent to Mohela : My last response to my last message indicated you would be sending me my payment history for the entire life of this loan and I have not received anything either in regular mail or in my documents you sent me section of your site. I am asking again for a copy of my payment history for all of XXXX and XXXX on both the old account/system and the new account/system. Please provide this to me via the documents you provide tab of this website or overnight the summary to me at my home address ( on file ). Your secure message center is not working to use the website to send this request. Nothing happens when I select Submit Request. I also requested over the phone that a payment be researched and have not heard back about that or received anything in regards to that payment. I need someone to contact me directly or provide a response to these requests that I can directly respond to instead of sending the same message over and over and over again and calling and calling and calling with no resolution. I will be sending a copy of this complaint to the CFPB. 

I have asked for a copy of all payments made and credited to both accounts and for research to resolve the misposted payment. everytime i call or contact them I get an answer that a request will be submitted with no timeframe and when I ask about a time frame I am told something ridiculous like 30-60 days to get answers. I have waited the 60+ days and meanwhile interest accrues daily. I have paid double the minimum payment for several months and not gotten credit and have not gotten answers.
Consumer complaint received 2023-05-14
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. (SC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # 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 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-14
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. (MO)

In accordance with the Fair Credit Reporting Act, XXXX Act. # XXXX, XXXX, Act. # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX Act. # 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
Consumer complaint received 2023-02-28
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)

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXXXXXX XXXX XXXX ACCT # XXXX 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.
Consumer complaint received 2023-02-28
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. (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 number XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 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 attended dates the report by more than 7 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 2023-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MO)

XX/XX/XXXX I reached out in order to find out why my monthly payment had dropped when my loan was transferred over to PHH Mortgage from XXXX XXXX XXXX. 
When I signed my paperwork on XX/XX/XXXX the agreed upon payment was {$1600.00}, however when my account was transferred to PHH my monthly payment was set to {$1400.00} which had landed me short for my escrow account at the end of the year in XXXX by {$1800.00} After calling customer service at PHH they were unable to give me a justification of why this adjustment has been made.
Consumer complaint received 2023-01-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TAG Intermediate Holding Company, LLC (CA)

They took me title loan off auto-payment without my consent or acknowledgment. I didnt realize until the last payment of the two installments of {$370.00} for the month of XX/XX/XXXX. ( XX/XX/XXXX ) ( XXXX ) .I called to get it current or at least to get satisfied with having them clear the late fees because its was a problem on their end and not me. I was on autopay. I owe them {$370.00} for XX/XX/XXXX plus {$18.00} as a late fee AND it shows on my credit report. I only have a money for current payments not missed payments all my money is accounted for. Im paying about XXXX for a XXXX XXXX XXXX, I was in need of a car and Ganas auto center mess me up.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC (GA)

Paid the balance of my account and asked for an Updated Balance Letter to be sent to me and was informed that they could fax it to me. Have reached out to them for 2 weeks now and havent received the letter. Have been told various stories, to include that it takes 1 to 2 business days, and 5 to 7 business days yet no resolution. Customer service keep saying they have emailed whoever and yet no resolution.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.