davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
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. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX 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 2023-01-09
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. (GA)

XXXX, XXXX, Experian are all reporting improper information. I also believe I am victim of identity theft and/or data breach. My credit scores and reports have been compromised because of it. I tried Disputing with the comoanies directly and thing were not properly handle. 

Hard inquires i didnt authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-25
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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: Experian Information Solutions Inc. (TX)

I'm in the process of buying my first home and I went to review my Consumer Report with Experian to make sure no inaccurate information was being unlawfully reported. 
To my surprise, there was a number of inaccurate late payments actively being reported by XXXX under account XXXX XXXX. 

FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law clearly states that " transactions '' ( payment history ) and " experiences '' ( utilization ) are EXCLUDED from being reported on my Consumer Report! This is a serious violation of my rights as a consumer and has negatively impacted my ability for credit extension in order to buy my first home! 
Therefore I demand that this account be permanently UPDATED to " Paid As Agreed Never Late '' or be permanently DELETED from my Experian, XXXX, and XXXX XXXX Report immediately! 
I am also seeking damages in the amount of {$1000.00} per violation ( listed below ) against each Credit Bureau for their willful and blatant violation of my rights as a Consumer and failure to take action to cure the problem when initially reported : a. Defamation of Character b. Negligent Enablement of Identity Fraud c. Fair Debt Collections Practices Act 15 USC 1692g violations d. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n ]
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TN)

I hope I have the right subject matter but I have received numerous calls from what they say is Esperian. About someone trying to open a credit card in Michigan. Asking if it was me ; if I know anyone in Michigan. All callers are from different countries and speak poor English. Theyll call and hang up before it goes to voicemail and then call again and again etc. a couple left a message if I wasnt interested to text no. The numbers are as follows : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX They know my name and zip. One wanted to go over my credit cards. I know I shouldve answered but they call over and over. I wanted to find out who they were so I could make a complaint.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My XXXX XXXX keeps telling me that my transunion credit score keeps going down 15-16 points at a time. My credit score which was in the mid 600s is now showing as a XXXX credit score. Theres no explanation for why the score keeps decreasing, in fact it keeps showing me that balances have decreased and the one negative item on there was removed. I try to view my credit report from the annual credit report website and it tells me theres an error every time but only with transunion. I try to get my credit report directly from transunion and it tells me I have to pay them {$30.00} a month to view it. All of my payments are on time, and my balances continue to go down. There is something seriously wrong with transunions reporting. My other two credit scores are XXXX points higher. Im tired of this and tired of transunion affecting my ability to have a decent credit score. They are the only credit bureau who has a score thats XXXX points lower.
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. (WA)

Hello, I am writing to dispute the accuracy of a hard inquiry that appears on my credit report on TransUnion, XXXX and XXXX. I recently reviewed my credit report and found that there is a hard inquiry that I believe to be inaccurate. The details of the inquiry are as follows : XXXX XXXX  ( why would I apply for a home loan 4x in one year? ) XXXX ( sent me a pre-approval and received my credit information through Transunion data breach ) XXXX  ( why would I apply for a home loan 4x in one year? ) XXXX XXXX ( why would I apply for a home loan 4x in one year? ) XXXX ( I did not apply for another credit card ) I did not authorize or initiate this inquiry, and I have no record of applying for credit or a home loan. There is no other legitimate reason for this inquiry to appear on my credit report. Therefore, I request that you investigate the accuracy of this hard inquiry and take appropriate action to remove it from my credit report.
Consumer complaint received 2023-09-30
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. (CA)

15 USC 1681 b ( Permissible Purpose ) It is a violation for a company or the credit bureaus to report anything on your credit report without a written consent. I never provided any written consent to the credit bureaus or these companies to keep reporting this. It is identity theft and they have to be removed immediately from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: U.S. BANCORP (TX)

My car was stolen and is projected to be a total loss. 
My payoff amount is much less than the current vehicle payout, approximately XXXX us dollars. 
The bank is keeping all funds over what I owe them. 
The contract does not stipulate that they keep positive equity. 
They are denying a payoff request. 
The bank is profiting from me being victimized through a crime. 
Absolutely no support was given. I spent 4 hours on the phone being transferred from person to person. In the end, they said it's our car and our money. You were just renting it.
Consumer complaint received 2023-07-12
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. (MO)

During the COVID-19 pandemic, numerous individuals, including myself, have faced financial challenges due to the economic downturn and various hardships caused by the unprecedented circumstances. In light of these circumstances, it is crucial that accurate information is reported on credit files, reflecting the accurate financial standing of individuals during these challenging times. I am writing to dispute the inaccurate information that has reported on my credit file, which is in violation of the provisions outlined in 15 U.S Code 1681s-2 ( a ) ( 1 ) ( f ) Responsibilities of furnishers of information to consumer reporting agencies which states : ( F ) Reporting information during COVID19 pandemic ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 
The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

President Biden ended the Covid-1XXXX Emergencies on XX/XX/XXXX which means covered period ( bb ) applies in regards to these inaccurate accounts. I attached dispute letter pertaining regarding the account i'm referring to.
Consumer complaint received 2023-09-07
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. (MI)

I have reached out several times about an authorized user account that is showing up on my credit report that I did not authorize. I have stayed that I have no knowledge of the original account holder and I have asked that Equifax verify all information on the account and to provide proof that I have agreed to be an authorized user on this account. I have been providing no proof of this from either Equifax or the bank. 

The account in question is XXXXXXXX XXXX XXXX  account # XXXX XX/XX/2019. 

According to FCRA 15 U.S. CODE 1681 The banking system is dependent upon fair and accurate credit reporting. 

This account is not accurate and I would like it to be removed immediately. In addition to there being no proof provided that I have agreed to be a user on this account I have not been provided with any evidence of this account having any reason to be shown on my credit report and this is an error I would like corrected immediately. 
I have reached out several times and there is no notice of dispute on this account in addition it is showing as charged off but still reporting on time payments which is impossible for a charged off account. I am submitting evidence of these inaccuracies as I am submitting a screenshot of my credit report that shows this account is continually reporting as being paid on time while simultaneously reporting as charged off. I would like this account to be removed immediately as it is clearly inaccurate and does not belong to me.
Consumer complaint received 2019-03-27
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. (PA)

I checked my personal credit report, which I acquired from all 3 major bureaus, on XX/XX/2019 and I noticed that this unauthorized inquiries were reported on my credit reports. 

I contacted the entities who are reporting the inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (IL)

Hello my name is XXXX XXXX im a victim of identity theft..I was incarcerated the time this account was open I have all the supporting documents far as police report, verification of release from my XXXX  and verification of release from police station ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from XXXX  and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was locked upthank you god bless
Consumer complaint received 2022-10-25
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Date opened XX/XX/2020 Balance : {$2100.00}
Consumer complaint received 2023-07-12
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. (AZ)

Trans Union has not supported documentation or responded to my complaint of them falling to abide by the FCRA Laws. I filed a complaint on XX/XX/2023 it has been more then 30 days and per they must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesn't happen, the bureau is then in violation of the FCRA. 

Under FCRA 15 U.S Code 16812-2 ( 3 ) you violated the law. I disputed these inaccurate items over 35days ago and you haven't notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not rotating it was disputed 15 U.U Code 1692e. False or misleading representation- ( XXXX ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed Rewove these accounts ASAP
Consumer complaint received 2023-08-15
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. (CA)

In accordance with the fair reporting act XXXX  account # XXXX has violated my rights.

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

15 U.S.C 1681 section 602A section 2A consumer reporting agency can not furnish a account without my written permission.

15 U.S.C 1692 section 805A. A debt collector may not communicate with a consumer at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.
Consumer complaint received 2022-10-25
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Date opened XX/XX/2020 Balance : {$2100.00}
Consumer complaint received 2023-08-15
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (IL)

I have had issues with Shellpoint Mortgage since they took over my family loan in XX/XX/2022. They started out by saying I was late several months until I filed a complaint and then suddenly I was only behind 1 month. This was still incorrect, but I mailed in payments in XXXX to cover that month, the month they said I was behind ( even though it was incorrect ) and checks to cover for the one that I stopped payment on in XXXX because they failed to cash it until a month later. They added on late fees for no reason and whenever a check is mailed without tracking, it is not cashed for several weeks later and is applied to the loan as a late payment... causing more fees. I have been using USPS Priority mail with tracking to their overnight processing since then for proof of delivery. I haven't had an issue with my payment checks being cashed during that time. Not wanting to spend the {$10.00} per mailing in XXXX, I sent a check to their normal payment address in Texas. And here we are again, a month later, and no sign of the check being cashed and they are sending default notices. I have received nothing but issues with Shellpoint because this account is in the Estate name of my late husband, XXXX XXXX. I assume that they are doing whatever they can to put us into foreclosure without warrant to cash in on the equity that we have accrued in a short time. However, I have proof of all cashed checks and delivery from all other months, so I am in now way, in default! I need for this company to get their record keeping straight once and for all and to credit my account for the payments that I do not owe and of course for those that I faithfully pay each month. Being a widow with XXXX children is hard enough, I don't need the run around from this company on top of that.
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-07-12
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)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.