davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

On XX/XX/2022, letters were sent to each credit bureau reporting agency requesting they verify the accuracy and authenticity of specific negative accounts I found on my credit report. Correspondences were sent certified mail ( see attached ). 

Upon conclusion of their investigations, the inaccuracies still remained on my credit report, causing irreparable harm with my interactions with creditors in trying to obtain loans and lines of credit to start my small business and also to obtain prequalification for a mortgage to purchase my first home. 

The Credit Bureaus stated the accounts were properly investigated but how is it possible that there are still inaccuracies such as Date Opened, Date Last Active and Date Last Reported, no Payment History, and inaccurate comments. This is grounds for removal and they also violated my rights under the follow statute : 15 U.S.C. 1681 sec 602 A - States that I have a right to privacy.

15 U.S.C. Section 604 A Section 2 - States that a consumer reporting agency can not furnish a account without my written permission. 

Also the credit bureaus took more than 30 days to complete their investigation see attach for certified mail tracking info.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc. (PA)

I paid my final payment to SST/XXXX  on XX/XX/XXXX. I have evidence of all payments made via my bank statements and I sent them proof through XXXX dispute and they still refused to update my account as paid in full. I disputed 2 times and SST keeps reporting a balance that is higher than last time. The total paid is {$5100.00} including interest way over the amount of the loan. I only took out {$3500.00} and was given {$1000.00} up front. This was a credit builder loan through XXXX XXXX Bank where I would receive the rest after completely paying off the loan. I applied through XXXX XXXX. XXXX XXXX transferred my account to their partner SST. If, I didn't pay off the loan, then why was I paid in XXXX {$2500.00} that was owed to me. The payments made from my bank account shows SSTXXXX ( via my debt card ) and also Withdrawal from Service and Systems loan ( paid via ACH ). So it shows two different ways on my statement but the same people and you can check with my bank to verify. This account needs to be updated as paid full. They would not have given me the {$2500.00} if I didn't pay them in full. It was a nightmare trying to get the money that was owed to me after pay off because they refused to give it to me and made up lies that I did not pay. So, when I finally got my check in XXXX, I was happy but now they are trying to say I still owe. Again, why pay me then? It shows on my bank statement and the image of the check from SST ( Systems and Svcs Tech Inc ) that {$2500.00} was paid to me.
Consumer complaint received 2023-07-08
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)

XXXX XXXX XXXX open date XX/XX/XXXX {$6800.00} I have requested verification of this account, there are several different account numbers and amount open dates on this account across all of my credit reports. 

XXXX XXXX open date XX/XX/XXXX {$1800.00} I have requested verification of this account, there are several different account numbers and amount open dates on this account across all of my credit reports. 

XXXX XXXX XXXX XX/XX/XXXX {$1300.00} I have requested verification of this account, there are several different account numbers and amount open dates on this account across all of my credit reports.
Consumer complaint received 2023-11-09
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. (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 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 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XX/XX/XXXX XXXX  XXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XXXXBalance : {$2800.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2024-04-01
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. ()

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXXBalance : {$2800.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-12-29
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. (FL)

I checked my credit and i notice a car loan from XXXX XXXX XXXX. I immediately contact them, and told them i did not purchase any vehicle nor am i aware of taking a loan from there company. After i went to the police station and made a police report. I never gave permission nor sign any documents with XXXX XXXX XXXX. This is Fraud and want this taking off my credit report. thank you.
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is 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 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-01
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. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX Balance : {$830.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$830.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2023-08-09
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. (NY)

My name is 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 2022-10-26
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. (MO)

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$340.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$610.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all lates immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. 
XXXX XXXX Balance Owed : {$0.00} - This just proves your lack of proper record keeping. Now, this item is reported to be 30 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that you have not abrogated my rights by reporting false information, otherwise, remove it immediately. 
XXXX XXXX Balance Owed : {$460.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly.
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (MA)

Hello! I appreciate the immediate response of the Experian and XXXX for removing the previous fraudulent inquiries and I am very thankful for that, though as of my recent check in my credit reports, there were these new inquiries that I have no knowledge about. So, today in this complaint I request from Experian, XXXX and XXXX Bureaus to again block and remove these inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 Credit Bureaus are obliged to block and remove any items not later than 4 business days after the ( XX/XX/XXXX ). Also, the data you provided on some of these inquiries were UNKNOWN to me and were already REMOVED from other bureaus and so I have doubt about the accuracy of some of these inquiries that are still reporting in my credit reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is to inform you if you do not BLOCK and REMOVE the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CO)

Back in XXXX XXXX XXXX  misplaced my mortgage payment and for that reason my mortgage account appeared late for six payments and that affected my credit score. 
Therefore, tried to dispute the issue with Bank but my credit was never restored nor recovered and for that reason XXXX ruined my credit and affects my credibility and not qualify for any thing and no leader trust me because of my credit score which is resulted of those lates payments of which have never happened but the bank misplaced the transaction and appeared that was late but in real sense never late for any payments.
Consumer complaint received 2023-09-28
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. 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 for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2023-08-09
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. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-10-25
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-09-27
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. (IL)

I asked the credit bureau ( s ) to check my credit report for accuracy and to verify the accounts on my credit report. Experian replied that everything is accurate, XXXX and XXXX has not responded. After I checked my credit report I still find inaccurate information on my credit report and no response to me asking for verification. ( All accounts with star mark in front of them are the accounts ) Also you can see how Experian has no name for my credit report and a previous address ( I have lived at my current address for over 2 years ) I have asked the credit bureau ( s ) to update my name and address. I have provided them with a copy of my driver license and SS # ( card ).

I asked the credit bureau ( s ) if they was familiar with 15 U.S.C Sec. 1681i ( a )?
Consumer complaint received 2024-04-01
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)

TransUnion delete the following accounts as I have not given permission or authorization to publish this information. These accounts were added to my report without my written consent or authorization. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Dept of EducationXXXX XXXX XXXX XXXX . TransUnion is committing identity theft pursuant to 12 CFR 1022.3. Delete these accounts that were added to my report without my permission or authorization. XXXX XXXX, XXXX XXXX XXXX XXXX, Dept of EducationXXXX, XXXX XXXX, XXXX.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-11-09
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. (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 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 2023-09-04
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: EQUIFAX, INC. (VA)

Here is my two 1099 C copy B from XXXX XXXX at XXXX XXXX. This should show that not only did the IRS accept my tender of payment, but XXXX XXXX at XXXX XXXX sent me two copies. Please take this student loan debt off of my credit report as soon as possible. My debt has been paid.
Consumer complaint received 2023-08-13
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: EQUIFAX, INC. (TX)

After reviewing my credit report. I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent and violated my rights to privacy and confidentiality under 15 USC 1681. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX - XX/XX/XXXX