davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

We are buying a new house and the mortgage company is requiring the following documentation to proceed - Condition Description Provide documentation from XXXX XXXX XXXX showing full principal balance from home equity loan # XXXX was transferred into new installment loan account # XXXX. 
Date Assigned XX/XX/XXXX Condition Status : Required I have spoken with XXXX XXXX XXXX  and Specialized Loan Servicing 4 times each. The documentation needed is from XXXX XXXX. XXXX XXXX XXXX tells me since loan servicing was transferred to Specialized, I have to request from them. However, when I speak with Specialized they tell me they can not provide since this is before they took over the loan ( XX/XX/XXXX ) and they refer me back to XXXX XXXX XXXX. Ive spoken with XXXX XXXX XXXX Back Office Team and they tell me that they don't have access to those records because of the transfer to Specialized and that Specialized has to help me. I requested loan history documents twice ( XX/XX/XXXX and XX/XX/XXXX ) from Specialized but still haven't received them.
Consumer complaint received 2023-08-22
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. (TX)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-08-22
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. (NJ)

In XX/XX/2023 I have Mailed XXXX, Experian and XXXX XXXX a request requesting deletion and update as to my Current Mailing Address XXXX, Experian and XXXX XXXX is reporting incorrect Addresses on my consumer disclosure report ( s ) as a result of fraudulent creditcards or other services using my personal information.

I have complied with the requirements from the bureau 's to confirm my identity and provided them with a legible copy of my State Issued Identification Card, Social Security Card and Proof of Current Mailing Address along with the details of my dispute under the FCRA. 

The Bureaus continues to report erroneous unverified or fraudulent addresses and accounts.
Consumer complaint received 2023-06-05
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. (NM)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2023-08-22
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. (MS)

I have attempted to resolve by phone and by mail XX/XX/2023, XX/XX/2023 to no avail. 

Per the Family Educational Rights and Privacy Act ( FERPA ) as a federally protected consumer, I am now revoking all authorization I, the consumer may have given you written, non-written, verbal, and nonverbal per 20 U.S.C. 1232g ; 34 CFR Part 99.
Consumer complaint received 2023-08-22
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. (MS)

I have attempted to resolve by phone and by mail XX/XX/2023, XX/XX/2023 to no avail. 

Per the Family Educational Rights and Privacy Act ( FERPA ) as a federally protected consumer, I am now revoking all authorization I, the consumer may have given you written, non-written, verbal, and nonverbal per 20 U.S.C. 1232g ; 34 CFR Part 99.
Consumer complaint received 2023-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2023. I was not able to get direct deposit from my job because of the issue with XXXX XXXX XXXX. So I had to go to the bank to cash my check ( {$1500.00} ) and the teller stated I was unable to cash it and I still had the option of depositing it. After depositing it the teller stated there was a hold on the check up until XX/XX/XXXX. Now I cant access any of the money. I live paycheck to paycheck and have bills that need to pay. Fortunately I have savings but shouldnt have to use it because of the hold Chase put in my account.
Consumer complaint received 2023-08-04
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 Credit Reporting Act. The account listed under my credit report as US DEPARTMENT OF EDUCATION has violated my federally protected consumer rights to privacy, as well as my confidentiality under 15 USC 1681. 
ACCOUNT NUMBER : XXXX ACCOUNT NAME : US DEPARTMENT OF EDUCATION 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 : 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 ( s ) containing any of the following items of information. Any other adverse item of information other than records of convictions, of crimes, which antedates the reports by more than seven years.

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

XXXX, Equifax, and XXXX have reported I have a overdue balance on this account for 39 months. They then sent this account to collections without my written authorization or consent. The collections agency then continued to report this false information on my credit report history, negatively affecting my credit health to creditors, and third party companies. 

This inaccurate report of my credit report, and history from XXXX, Equifax, and XXXX of the balance and lack of payment has permanently, and negatively reduced my credit score for many years due to false reporting, inaccuracies, and these XXXXhree agencies in question are responsible.

These inaccuracies are preventing my ability of receiving higher credit scores, better funding opportunities for home loans, car loans, and overall improving my credit health.
Consumer complaint received 2023-02-13
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: CITIZENS FINANCIAL GROUP, INC. (CA)

In accordance with the fair fr edit reporting act this creditor has violated my rights. Under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-22
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. (MI)

In accordance with the fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

I Have requested and investigation from the reporting bureaus to ensure all information reporting to my report is lawful and accurate. They have failed to do this. These inaccuracies are hindering me from moving forward in both my business and personal life. I am unable to move forward with financing for my 3 year established business, I am unable to qualify to buy a home for my family, and cant even get a new car. 

15 USC 1681 section 623 ( a ) prohibits a person from furnishing inaccurate information to the CRA.

15 USC 1681 section 602A states I have a right to privacy.

15 USC 1681 section 604 A : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions, of crimes which antedates the report by more than 7 years.

15 USC 1681 s-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 2022-12-07
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)

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXXXXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-04-03
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. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-03
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. (MO)

The following account XXXX is fraudulent I have no knowledge of this account or company. The credit reporting agency 's refuse to send documents showing I gave any permission for this company to use my info. The account is also showing open, while allegedly in collections status on my consumer report. This is fraud. And reported as fraud.
Consumer complaint received 2023-05-06
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt me.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

In XXXX of 2019, I had a change of employment causing me to pay Arkansas Department of Finance Administration directly for the required monthly payments instead of the usual drafts from my checks. I have proof of the on time payment ; yet I have derogatory information reflecting on my Experian Credit Report. It may be a mistake but I can not afford to pay for that mistake, especially since it was not made due to me being careless. The receipts will follow.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX Phone : XXXX Re : Dispute of Account # XXXX ( Previously : XXXXXXXX XXXX XXXX ) To whom it XXXX concern, I am writing to formally dispute the validity of the above-referenced debt based on my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e. This provision prohibits a debt collector from using any false, deceptive, or misleading representation or means in the collection of any debt.

Furthermore, I have concerns regarding potential violations related to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, regarding permissible purposes for furnishing consumer reports.

I also want to underscore that according to guidelines from the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), any deceptive debt collection practices may result in severe penalties. 

Please review this matter and provide evidence that supports the validity of the debt in question. If you can not validate this debt, I expect its removal from my credit report and a written confirmation once it has been done. 

Thank you for your immediate attention to this matter. I anticipate a timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Under the Fair Credit Reporting Act the following companies - XXXX XXXX XXXX XXXX Number XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX - XXXX XXXX XXXX- Account Number - XXXX - Department of Education- Account NumberXXXX XXXX XXXX Account Number XXXX - XXXX XXXX Account Number XXXX - XXXX XXXX- Account Number XXXX - XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX- Account Number XXXX XXXX XXXX XXXX Account Number-XXXX - XXXX XXXX- Account Number- XXXX 15 U.S.C1681 section 602A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency account furnish account without written instructions.

I have submitted a dispute of inaccuracies and to no avail, the report has not been rectified.
Consumer complaint received 2023-10-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (TN)

I received a letter from Aldous & Associates in the mail XX/XX/2023 about a debt being owed to a XXXXXXXX XXXX theyre trying to receive a payment of {$570.00} Ive proceeded to call the collection agency to see what this was about because Id never heard, contacted, or signed anything pertaining to this company when I spoke to the representative she stated if this was deemed to be fraud then to contact the police department or file a identity theft report. I choice to report it to identify theft which i have a reference number to that since then Ive looked through all my accounts and noticed on my XXXX XXXX account a attempted charge of XXXX on XX/XX/2023 at XXXX I immediately deactivated my account. I then call back the collection company Aldous Associate to file a dispute with them which I was told I could not do a dispute over the phone but to write a letter to them, before I could send my letter off it was placed in collections even after me speaking to XXXX of there associate about any deadline dates I needed to have the letter in by, I was told there was no time frame. I tried to follow up my dispute through XXXX XXXX but they are stating everything to be accurate which is false and they should be very aware of that.
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: EQUIFAX, INC. (TX)

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 2023-01-24
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-07-10
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. (PA)

My name is 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 2022-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 item/accounts/information below : 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 2022-12-04
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)

this complaint is from me a person XXXX XXXX is my name. this is not a complaint written by a company this is a serious complaint and should be treated as such. 
so I found out that I have accounts that i never authorized or agreed to. these accounts are in a report filed to the credit bureaus but they never removed the accounts.
Consumer complaint received 2020-01-15
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: Santander Consumer USA Holdings Inc. (SC)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!