davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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. (NC)

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 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-02-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent your company a dispute letter on XX/XX/2022, but I haven't got any response from them nor have they updated my report. I am well aware that the FCRA are requiring the CRA 's response within 30 days so this time I am seeking help from CFPB, XXXX, and the Office of the XXXX XXXX
Consumer complaint received 2022-11-26
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. (AL)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-27
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. (AL)

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 U.S.C 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX XXXX # XXXX has violated my rights. 

XXXX # XXXX has violated my rights. 

XXXX MORTGAGE XXXX  # XXXX has violated my rights. 

XXXX XXXX XXXX # XXXX has violated my rights. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX number # XXXX has violated my rights. 
XXXX XXXX CFPB violation.
Consumer complaint received 2018-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I received a aggressive, frightening and threatening notice from the company XXXX XXXX XXXX XXXX this week. Its some kind of fishing attempt to extort money from me. My first name is mis-spelled. And they claim that I owe {$1000.00} to XXXX XXXX XXXX. 

I do have a XXXX XXXXXXXX XXXX credit card ( a brand new account opened in XX/XX/XXXX my limit is only {$400.00} and my name is spelled correctly ). 

This " fake billing '' has nothing to do with my current/new account with XXXX XXXX XXXX Account. 

My husband just bought a house in XX/XX/XXXX. And this is the second fake fishing expedition " bill '' we've received in oddly a version of my name only. Like they are trying to attack the wife/spouse? I cant remember the supposed name of the creditor in that first fake billing sent -- to our old address, and we don't have it either, but it was some place I have never done business with. 

Furthermore, we haven't had any credit cards since the year XXXX,XXXX, XXXX. And we filed a Chapter XXXX in XXXX and then a Chapter XXXX from XXXX to XXXX when it closed. We were unable to get any new credit until the year XXXX. 

We have just been able to repair our credit rating after 7 very long years, and now this type of XXXX starts to " show up '' attacking us. 

We find it extra fishy that they claim to represent XXXX XXXXXXXX XXXX ... .and I just opened a XXXX XXXXXXXX XXXX account in XX/XX/XXXX.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-02-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC. (MO)

The company was informed several times to remove this number from their system because it's an automated call that just fills up the voicemail. I requested them to remove the number they refused cursed at me and hung up. Refused to let me speak to management. I don't want further automated calls from this company. I asked on XX/XX/XXXX to be Removed from their call system to stop calling. They keep calling.
Consumer complaint received 2018-10-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (WI)

About two weeks ago, I was reviewing my credit report and it dropped from XXXX to XXXX. Federal student loans served by Edfinancial are being reported as closed and as separate loans, even though its one loan with different disbursement dates. Edfninacil says its due to different disbursement periods. Iam still in same school and it should not be reported as if I am already out of school. 
Also, accounts are reported as closed yet current. This places me as irresponsible individual taking out loans and closing them, when I am not. 
I threatened them to go to department of education, and they said, the same info will be given and its no difference. 
Resuming, I have an unsubsidized loan which I do not control disbursement dates and each disbursement its being placed as a new loan and reported as such, and accounts as closed. 
They said they fixed the closed acct issue but reporting will stay as is. 
This is affecting me as if I have too much debt and should not be even reported yet, since this student loans are automatically deferred until 2020, but they even put those notes on my reports, as if I requested deferrment. They also say problem lies with XXXX university which call themselves XXXX global online but I begun with XXXX university and had no choice in this matter. Meanwhile, My score has decreased and affected my credit and life.
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have no knowledge of these accounts on my consumer report. 
I have attached the IDENTY THEFT REPORT, Hard Inquires- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-05
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. (MA)

XXXX XXXX ( Bank ) XXXX XXXX, 2022 XXXX  XXXX ( Bank ) XX/XX/, 2022 received advertisement for application, applied and was denied and reported! 

XXXX XXXX XXXX Bank ) XX/XX/, 2022 I don't recognize this application.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I had a Wells Fargo checking account from when I was XXXX  until I was in the middle of completing my XXXX XXXX and routinely had my withdrawals structured and delayed so that they would overdraft my account and ensure a fee. 

I attempted to contact Wells Fargo to dispute the late fee and was told by customer service that despite all of the charges being put into in a relative order to ensure the funds were present they directly restructured the payment schedule and I was unable to request the late payment be forgiven because I had requested too many be forgiven in the past.
Consumer complaint received 2023-02-05
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. (MD)

YOU HAVE VIOLATED THE RULES OF THE LAW Pursuant to XXXX XXXX ( a ) ( XXXX ) The banking system is dependent on my consumer report being fair and accurate. After looking through my consumer report I noticed that my report is inaccurate, and this inaccurate information is unfair for me because I was never notified of inaccurate information being furnished and I was never notified during this corporations initial investigation whether this information was true or not. Pursuant to XXXX usc XXXX ( a ) ( XXXX ) - This grave mistake has undermined my confidence in your companies line of action, and because of this I will not be extending credit any longer and if this information is not removed, I no longer want my information reported in your companies records. Pursuant to XXXX usc XXXX ( a ) ( XXXX ) Your corporation is a XXXX XXXX XXXX  This mistake your company has caused has destroyed my reputation and this has adversely affected my credit worthiness. Pursuant to XXXX usc XXXX ( a ) ( XXXX ) - Your company has assumed this role. You were never given permission by me the consumer, so not only did you fail in the initial investigation for this information. You also assumed this role and assumed this information was valid. Which is a XXXX of my consumer rights. Pursuant to XXXX XXXX ( a ) ( XXXX ) You did not make sure that this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You were XXXX XXXX  XXXX side of the story and never consulted with me to find out if this transaction actually took place. As a result of this XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to XXXX XXXX ( a ) This consumer reporting agency has been verifying most of my disputes with no proper investigation. What is the method of verification? The XXXX XXXXXXXX XXXX XXXX XXXXt on my Equifax consumer report is inaccurate because there is no witness to partake who was there during the transaction. In pursuant to XXXX XXXX ( XXXX ) To have a proper investigative consumer report there has to be an individual who is being interviewed witnessing the transaction. I also need to know if this information being verified is factual information. I need all of the details knowing that I am involved in these investigations. If there is no individual that was interviewed, and the verification is inaccurate then this is fraud and this account must be removed from my consumer report.
Consumer complaint received 2023-02-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (IN)

This complaint involves receiving a phone call at my phone from Focus Receivables Management , LLC, on XX/XX/2022, the lack of any formal letter following the initial communication on that date, and the repeated calls that have ensued after that date. Attached to this complaint are images of my call logs and the Letter of Intent to Sue which I have prepared in hopes of resolving this complaint amicably. I would like the CFPB to look into this company 's unscrupulous business practices and take appropriate action to stop future XXXX  by telephony.
Consumer complaint received 2022-11-23
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. (NC)

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

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

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights.

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ditech Financial LLC (ID)

I had a foreclosure on my home in XXXX. Ditech reported it on my credit in XXXX XXXX. The charge-off is past the statute of limitations. We tried to purchase a home a year ago, but could not. XXXX XXXX XXXX contacted Ditech telling them this debt ( charge-off of {$35000.00} ) was too old and needed to be removed. They refused to remove it, stating we had made payments in XXXX, XXXX and XXXX of that year ( XXXX ). We were unable to purchase a home due to their fraudulent claims. <P/>I disputed it with XXXX and thankfully they removed it. I have tried to dispute with XXXX ( XXXX XXXX ), but  Ditech reported we never missed a payment from XXXX to XXXX and we make payments on the loan every 3-4 months. They have not reported to XXXX any payments received by me, but the total amount is still on that report. <P/>We have received settlement opportunities from Ditech in the mail with the original amount of {$35000.00}, with a settlement offer of {$30000.00}. If they have reported we paid faithfully from XXXX, how is the loan the same amount? Clearly, we have not made any payments whatsoever to them since the foreclosure. I have documentation through my banking that no payments have been made to them. Since there are too many bank statements in a 7-year period to upload for this claim, we are asking that Ditech show " proof '' of my supposed payments to them. <P/>At this point, we are going to have to seek out legal counsel, which would be a hardship to do. But, this has prevented us from purchasing a home, paying high rental rates to rent a home and higher interest rates on everything unnecessarily for the past 3 years. This has been so frustrating and devastating to our family not to be able to own a home after 10 years. We are asking to please offer any kind of solution on how to get this resolved as quickly as possible. <P/>Thank you so much for your time with this sensitive matter. We would greatly appreciate any help. <P/>Sincerely, XXXX
Consumer complaint received 2023-02-05
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)

XXXX XX/XX/XXXX to XX/XX/XXXX I was XXXX  XXXX times and had XXXX XXXX, I ask that the delay in responding to the complaint be forgiven. XX/XX/XXXX i submitted a complaint against XXXX and Equifax i had originally disputed inaccurate, unverifiable and unfair information reported on my public record as per FCRA section 611 ( a ) ( 1 ) ( A ). XXXX XXXX sent a letter indicating my public record file could not be verified therefore it was deleted from their data system. I submited a dispute with the credit agencies for removal of the unverifiable information. XXXX deleted the information as requested. It still remains on my report with XXXX and equifax. They claimed to have verified the information on my report as accurate? I contacted the XXXXXXXX XXXX XXXXXXXX,. I asked them about their reporting of information to the credit agencies. THEY DONT REPORT TO CREDIT AGENCIES!!!! THEY WONT. XXXX never contacted the XXXX Bankruptcy court to verify my information as accurate? a 3rd party verifier or " public records vendor '' buys automated information, its obtained through computer systems like E-Oscar and PACE. Computers make mistakes. For XXXX to claimed my account is verified as accurate is False and a violation of the FCRA. they did not verify through the courts. XXXXEquifax states right on their website they used 3rd party database XXXX XXXX to obtain public record data and verify public record information. On my Equifax credit report under all the information there is a spot to say when the records were verified? Its blank? I will attach screen shot if allowed. In the letter dated XX/XX/XXXX from XXXX XXXX they deleted my public records file from their system this should include anything said to be verified or unverified. If XX/XX/XXXX my file was deleted, how can it be verified as accurate XX/XX/XXXX? Any false verification, inaccurate, unverifiable or unfair item as per FCRA section 611 ( a ) ( 1 ) ( A ), i am requesting be deleted off my public record portion of my credit report. Any methods of verification that are obtained through computer systems or computer generated database such as E-Oscar or PACE is unacceptable, inaccurate, incomplete, and represents a very serious error in their reporting. I will request it be deleted from my credit report
Consumer complaint received 2022-11-27
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. (VA)

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. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX 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 an 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 or 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 2024-03-26
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. (TX)

I am writing to respond to a recent credit report, I have not been provided with any documentation or evidence to support the said claims. I request that you dismiss all of the claims against me and remove all injurious reporting against me. If the reported item or items are potentially lacking in the mandatory documentation evidence of physically verifiable factual proof that the claim is true, the reporting is true, the claim is accurate, the reporting is correct, the claim is complete, the item is full, the claim is timely, the item is accurate, the item is timely, the person responsible for the claim is responsible for the claim, the item is true, the item is correct, the item is complete, the person who reported the item is responsible, the item is in compliance with the Metro 2 format and/or complete and perfect. I demand that you demonstrate to me that you have the legal authority to conduct business with a contesting consumer. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX  - XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX - XXXX {$130.00} XXXX XXXX - XXXX {$0.00}