davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear Transunion Consumer Relations, I am writing this letter in response to the correspondence I received from Transunion dated [ XX/XX/23 ] regarding a dispute on my credit report. I appreciate the opportunity to address the matter and seek a resolution to the dispute. 

First and foremost, I want to clarify that I am the individual who sent the initial dispute letter [ XX/XX/23 ] regarding the inaccurate information on my credit report. It is essential that this clarification is duly noted and that my request is promptly moved forward for investigation and resolution. 

I must express my concern regarding the handling of my dispute by Transunion. It appears that there has been a delay or oversight in addressing my concerns, which has resulted in unnecessary inconvenience and potential harm to my creditworthiness. I believe it is crucial to emphasize that as a consumer, I have certain rights protected by federal laws, including the Fair Credit Reporting Act ( FCRA ). 

Transunion 's failure to comply with the FCRA and other applicable regulations is a matter of utmost concern to me. I strongly believe that Transunion is taking unfair advantage of my consumer rights by not promptly addressing my dispute and conducting a thorough investigation. 

Failure to comply with the requirements outlined in the FCRA is a violation of my rights as a consumer, and I want to assert that I am entitled to appropriate remedies, including potential monetary damages if these violations persist.
Consumer complaint received 2021-04-28
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

My vehicle was traded in at the end of the lease on XX/XX/2021 and the dealership who took the trade-in paid off my vehicle within the time XXXX XXXX XXXX provided yet XXXX XXXX XXXX XXXX still reported XXXX  day delinquent on my account!
Consumer complaint received 2023-01-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

Hyundai Motor Finance has illegally withdrawn a payment from my personal checking account when no payment was due. They are refusing to reverse this fraud, which means it is now a theft. Attached is the XXXX Statement showing no payment due for XXXX and a screenshot from my checking account showing they took money without authorization.
Consumer complaint received 2017-09-08
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. (GA)

i was one of the people who may have had their identity stolen from the equifax security breach, which could negatively impact me over the foreseeable future. equifax is handling this situation very poorly. for example, though the breach happened 2 months ago, i was unaware of this until today. they are also still charging consumers to freeze their credit reports, despite confirming that i was in the 143m+ people whose data was taken. also, their website to check for impacts has a disclaimer, waiving your ability to be part of a lawsuit against them due to this data breach. for a company who has so much impact on your life, they are very careless with data, and care very little about the end consumer.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Looking through my credit report I see there's addresses that I've never resided, Please take this request to look at it and have them removed from my personal section of my credit report. I appreciate the time taken to view my complaint, thank you.
Consumer complaint received 2023-05-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I have reached out to the three credit bureaus XXXX, XXXX, and Equifax to request my credit profile list only accurate information including name address and employer. 

My legal name is { XXXX XXXX } I have not gone by or have had any other legal name. Please correct. 

My address is { XXXX XXXX XXXX, XXXX XXXX, LA XXXX } please correct. 

My employer is { XXXX } please correct. 

Please assist in ensuring only the above information is reflected on my credit report accurately. I am happy to provide any documentation needed as well to ensure accurate reporting of my personal information. 

Thank you.
Consumer complaint received 2023-01-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc. (IL)

I recently pulled my credit reports and saw multiple collections that are absolutely fraudulent and should be immediately removed from all my credit reports! 

this third party debt collector is violating my rights. My consumer report is inaccurate and unfairly reported. I.C. SYSTEM INC company, took information from an alleged creditor then reported this inaccurate information on my report without consulting me to confirm whether this information was accurate or not. 

i never received a copy of the contract between them and I and I never give my consent for them to do such things without verifying.
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX 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 2023-01-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (GA)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I already made a complaint on the telephone with Transunion a few days ago and this fraudulent telephone number is still on my transunion credit report and it needs to be removed immediately! 

This number, ( XXXX ) XXXX, is not mine and needs to be removed you can see I have always had the same number for years, please remove this bogus number from my personal information immediately, thank you.
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Experian is required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed account does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the file. 
XXXX XXXX XXXX XXXX XXXX : $ - ; If Experian feels there is a possibility the account belongs to me I will require all documentation that bears my signature ( another research account I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If Experian does not provide any records & claims the account 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.
Consumer complaint received 2023-01-03
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. (NY)

XXXX XXXX XXXX furnished information on my credit file with extortionate means to collect an alleged debt that was for family personal and household purposes the social security card used to extend credit belongs to the social security administration therefore the alleged obligation is the United States according to 18 U.S.C 8 secondly XXXX XXXX XXXX is in violation of 15 U.S.C 1605 ( a ) the use of the credit extended was an uninformed decision XXXX XXXX XXXX did not disclose the finance charge was the sun of all charges and that the finance charge does not include charges of a type payable in a comparable cash transaction full disclosure was not given and the finance charge was not clear and conspicuous therefore the agreement is null and void FTC affidavit attached.
Consumer complaint received 2023-07-07
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)

I reached out to all three credit bureaus : Equifax, XXXX, and XXXX an regards to hard inquiries and late payments that reported to my credit report UNAUTHORIZED, NO WRITTEN CONSENT an other words NO CONSENT IS IDENTIFY THEFT. I have sent Federal Trade Commission ( FTC ) Identify Theft report via certified mail an order to track its deliverance to each credit bureau because its vital to me to have these items removed from my credit report. I did follow up calls and was given false information from Equifax that they didnt receive the letter but I have proof from tracking the letter. XXXX only removed selected items and XXXX refusing to remove items.
Consumer complaint received 2023-01-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

I have called several times dealing with Cardinal Financial I was told they have never received funds from XXXX referenced XX/XX/XXXX payment of {$880.00} nor the past due amount of {$5500.00}. 
Cardinal Financial is sitting on the payment and not processing it. It has been sent by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX has received their payments It odd Cardinal Financial has not
Consumer complaint received 2021-07-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (FL)

I have never missed a payment for the house. They send on my statements, its been 1 year they are not applying my payments. This is what they do. They do not help the consumer. I just want the XXXX away from this company, shellpoint. I've been trying to refinance our home for over a year. They have destroyed my credit, so they trap people from this. So many complaints against this crooked company. So many class action law suites. I pray the government will punish them, and harshly sues them hard. The XXXX XXXX XXXX also has a lot of info what this company does to people. Thank you for your time. They also are full of extortion on what they charge people. I paid my own house ins. and flood. total, also property tax. for total, XXXX They, shellpoint, charges XXXX, for the same coverage. XXXX, XXXX XXXX. This is not right. Please help me get away from this evil company ... ..
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This complaint is with Equifax I filed a dispute on my credit report on XXXX with a collection on my account the collection name that appears on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX This company has changed its name when I called this collection and bill has been paid in full their is no balance the full payment was made on XX/XX/2022 in the amount of {$110.00} I provided a copy of my proof and evidence to Equifax and they said they investigated the collection account and it remain on my credit report apparently Equifax didn't investigate because I provided my receipt and they should have made the corrections and deleted XXXX XXXX XXXXXXXX XXXX I'm also going to provided the receipt also to XXXX that this account has been paid this company XXXX XXXX is making duplicate accounts collections when there was only one account that I already Paid in full also this company goes by the name XXXX
Consumer complaint received 2023-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy Case Number : XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX
Consumer complaint received 2022-11-02
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. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-14
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: EQUIFAX, INC. (NV)

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX