davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LoanCare, LLC (GA)

My mortgage company ( Loancare ) reopened ( updated ) my bankruptcy account on my credit report on XX/XX/XXXX. I submitted a credit dispute on XX/XX/XXXX with XXXX. Due to this error my credit score has dropped almost XXXX points. My bankruptcy was discharged with no reaffirm on XX/XX/XXXX. My credt report is now showing an open account with a balance of {$63000.00}. It is also reflecting that any payments will be now be posting on this account! I reached out to Loancare twice and I received a notice stating they are " investigating ''. I NEED this matter resolved as quickly as possible. This bankruptcy had fallen off my credit ( 10 years ) and NOW it has been opened back up!!
Consumer complaint received 2023-03-01
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. (TX)

*Transunion has ( 2- XXXX  XXXX accounts reporting ) : [ 2nd account ] XXXX and XXXX only of XXXX. [ 1st account ] 60 days late XXXX XXXX, 90 days late XXXX XXXX 120 days late XX/XX/XXXX. *Transunion also has a XXXX XXXX XXXX XXXX account that has ( 2 ) late payments on it. Late payments need to deleted and account needs to be updated to paid on time. According to : XXXX15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; - { Late payments are a transaction } - Transunion : - The ( 2 ) XXXX XXXX XXXX XXXX - XXXX XXXX My Privacy is everything and the Consumer Reporting Agencies must protect it in accordance to 15 USC 1681 ( 4 ). But, they don't, they have allowed the reporting of any and every account without my written consent.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (MS)

XX/XX/2023 current bank closed my account I have funds in my account I have been emailing them for a whole month now & no response about the funds in my account & when will I get a check for my funds? I know for a facts the refunds have been sent to that account and they will not & have not responded or reach back out to about my money
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Karma (MI)

On XX/XX/XXXX, I could not access my credit karma account due to an unauthorized and unrecognized email, XXXX. I could not cancel the account or speak to customer support about this issue. I need assistance as soon as possible on what to do next
Consumer complaint received 2023-03-01
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. (CA)

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 - {$0.00} - Has violated my rights XXXX XXXX : # XXXX - {$0.00} - Has violated my rights XXXX XXXX : # XXXX - {$0.00} - Has violated my rights XXXX XXXX XXXX : # XXXX - Has violated my rights UNAUTHORIZED INQUIRIES : FACTUAL DATA XX/XX/XXXX Has violated my rights XXXXXXXX XXXXXX/XX/XXXX Has violated my rights XXXX XXXX XX/XX/XXXX Has violated my rights XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Has violated my rights XXXX XXXX XXXX  XX/XX/XXXX Has violated my rights XXXX XX/XX/XXXX Has violated my rights XXXX XXXX XX/XX/XXXX Has violated my rights XXXX XX/XX/XXXX Has violated my rights XXXX XXXX XXXXXXXX XX/XX/XXXX Has violated my rights And other list of INQUIRIES. 


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.
Consumer complaint received 2017-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX XXXX XXXX : {$280.00} XXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX {$67.00} Student Loans that have duplicates XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX  {$430.00} XXXX XXXX XXXX {$140.00} XXXX XXXX {$440.00}
Consumer complaint received 2023-02-16
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. (PA)

I reviewed my Consumer Reports and noticed that I had nine late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX ( XXXX ) I opened an investigation and after about 25 days did not show any proof of being late on these accounts. I demand to have the late payments be removed from my report or other legal action will be taken.
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (IL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am putting in a complaint because Transunion XXXX XXXX XXXX has reported My bankruptcy when in fact my bankruptcy court has given me written proof stating they indeed don't report to the credit bureaus.
Consumer complaint received 2023-02-16
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. (NC)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$12.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$230.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (IL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reached out to Trans Union LLC via letter twice to remove inaccuate information from my consumer report in which after the first letter they responded with an update in which i will upload. The information in question pertains to the posting of XXXX XXXX XXXX on my consumer report, Trans Union LLC or XXXX XXXX XXXX has yet to provide proof ( contract with my signature ( wet ink ), I never entered into a contract with this company via verbal nor any other, so im asking Trans Union LLC to either provide evidence ( contract with my signature, wet ink or verbal recording with me entering into an agreement with this company ) or remove inaccurate information from my consumer report. If Trans Union LLC does not take appropriate action to address the inaccuracies, I will consider seeking legal action.
Consumer complaint received 2017-10-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC (LA)

This is a loan for solar panels on my house from XXXX XXXX. The company set up a new payment system and informed me that I would need to re-register to have my automatic payments made. 

This happened 6-8 months ago, and since then automatic payments keep getting rejected because they claim I do n't have an account.

This requires constant vigilance and calls to them.
Consumer complaint received 2023-07-09
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: EQUIFAX, INC. (IL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already contacted the police department about this issue and obtained a police report # XXXX which is attached. Please remove this fraudulent inquiry and account off my credit report, and send me an updated copy of my credit report. The following items should not be reporting on my consumer reports and is a result of fraud that I did not authorize : 1. This account is not mine and was not authorized XXXX XXXX : Account number XXXX 2. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XXXXPlease remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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, I do not have the account number for the last two accounts, 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 : the 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 relative to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-02
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. (CA)

The following inquiries are not mine. These are fraudulent inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-23
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. (GA)

I have proven that these accounts do not belong to me and that the information is not accurate and the companies continue to place in accurate information on my personal credit file. I have no other choice but to try to rectify this false informations being reported on my personal credit file.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Professional Debt Mediation, Inc. (AR)

To give back story -- In XX/XX/XXXX I was alerted by XXXX XXXX that there was an account in collections on my credit. After contacting the collections agency connected to the account, Professional Debt Mediation ( XXXX, FL ), aka PDM, I discovered the claim was from an apartment complex outside of XXXX. I was told a line of credit had been opened in my name for a deposit on an apartment. However, I have never lived in Florida and have never opened a line of credit in Florida ; in addition, I had never been contacted by PDM for this supposed debt, which they had placed on my account without making an attempt to contact me. I called the apartment complex, and was told that I would have to get back in touch with the collections agency. I followed their instruction but PDM was very uncooperative in providing information and helping me clear the collections from my name. I filed disputes with XXXX, XXXX and XXXX ; the collection was found to be false and was subsequently removed from my credit reports. I immediately placed credit freezes on all three. Again, this was Sept 18/19, 2023. 

At some point early XXXX I began to get more calls from PDM. After my previous experience with them I refrained from answering but checked my credit reports. XXXX and XXXX were clear, but XXXX again showed a collection from PDM in the amount of {$270.00}, opened on XX/XX/XXXX. I filed a new dispute through XXXX on XXXX XXXX. But this time it was found to be accurate as of XXXX XXXX ( today ). It is not accurate and I do not owe this debt. It is supposedly from the same apartment complex, filed through the same debt collection agency, during a time I had a freeze on my account, which is still active. I suspect PDM is debt parking on my credit.
Consumer complaint received 2023-07-09
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (OH)

I received multiple calls from a debt collector which I am unaware of the debt which I also explained to the representatives of the company.But they insisted that I make a payment which I was very uncomfortable with there approach. I would like for the collection to be removed/deleted from my credit report. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2017-10-21
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. (CO)

I filled a dispute with Experian because there is a XXXX XXXX account that is on my credit report that is not mine. Someone stole my identity. Experian failed to remove the account and to add insult to injury Experian updated the date on the account and now it appears that this account has current negative information and the account was scheduled to be removed on XXXX. SHADY. I attached my report before the dispute and my report showing the re-ageing.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-05-10
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: EQUIFAX, 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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

XXXX AND EQUIFAX WITH FICO WORK HARD TO KEEP THE GENERAL PUBLIC FROM FILLING COMPLAINTS AGAINST COMPANIES. THE THREE PROTECT COMPANIES AND MAKE IT AN INTENT TO DRIVE YOUR CREDIT DOWN TO RUN YOUR FICO SCORE INTO THE GROUND. I HAVE TRIED WORKING THIS OUT WITH BOTH XXXX AND EQUIFAX TO NO AVAIL. THE GENERAL PUBLIC NEEDS SOMEONE TO PROTECT THEM LIKE THE BUSINESS HAVE WITH XXXX, EQUIFAX, XXXX AND FICO. THESE FOUR COMPANIES SHOULD BE THERE TO PROTECT AGAINST FRAUD, ILLICIT INQUIRIES BOTH SOFT AND HARD INQUIRIES ON YOUR ACCOUNT.
Consumer complaint received 2023-06-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This letter is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX