davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Consumer complaint received 2023-06-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-12-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (LA)

I had lawyers that were supposed to have been representing me file that the information was wrong and proved it was and you REFUSE to take it off. IT IS NOT ACCURATE as they say I paid XXXX XXXX and XXXX which I did not and they have CLLSED this account 3 times. I HAVE ASKED for original date of default and I haven't gotten it. This account is being fraudulent and reporting false information and I want it removed. This is not right and I am NOT given a valid reason as to WHY nothing is ever done when if you look at my account and I sent pictures I clearly is being reported everything I have said and proven and yet you still say that information is valid and you do nothing. This account is over 8 yrs old it has been charged off and closed more than 3 times but continues to hurt my credit. I have had lawyers and I have tried on my own. I'm not going to stop fighting this because what you are doing is wrong and violating my rights. I have more than proven there is false information on my account to have it removed as it should be when things are wrong and I've asked to have them removed. This debt is over 8 years old had i bankrupted it wouldn't even be on my account anymore. Yet this company is allowed to falsely say I paid in months I didnt and say I was current and then close account in the same month, then report back the next month I am late when the account has been closed and reopened going on 3 times. All this time lowering my credit scores and hurting my credit, because they are allowed to keep a closed account active saying payments were made when they weren't to turn around and say after that I was late again and hurt my credit. I am not going to stop fighting this, this is wrong and the agencies are discriminating against me.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I told XXXX, Transunion and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately. 
5. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX Please Delete Immediately 6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX  Please Delete Immediately 7. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX Please Delete Immediately 8. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX Please Delete Immediately 9. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX Please Delete Immediately 10. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-09
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. (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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Consumer complaint received 2023-06-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

I made several attempts to verify the amount owed to GENESIS CREDIT MANAGEMENT. According to my records I owed XXXX $ as the back rent was paid by the state of Colorado, and the Apartment complex signed an agreement to write off any and all late fees and legal fees. 
Requesting On XX/XX/2023 I sent a Debt Validation letter, and they responded with a move-out letter with a ) balance unsigned by me, and an expired lease. They did not answer any of the questions below : Was this Debt assigned to a Debt Collector or Purchased? 

- Assigned - Purchased Amount Paid if Debt was Purchased : $ XXXX Commission for debt collector if collection efforts are successful : REQUESTED INFORMATION Please attach copies of the following : Agreement with your client that grants ___________________ ( Collection Agency Name ) the authority to collect this alleged debt. 
Signed agreement Debtor has made with Debt Collector, or any other verifiable proof Debtor has a contractual obligation to pay Debt Collector.

Any agreement that bears the signature of Debtor wherein agreed to pay Creditor.

All statements while this account was open.

Have any insurance claims been made by any creditor regarding this account?

Have any judgments been obtained by any creditor regarding this account?

Please provide the name and address of the bonding agent for ___________________ ( Name of Debt Collector ), in case legal action becomes necessary : I also sent a cease and desist and removal from my credit report as as they have no legal right to collect this debt
Consumer complaint received 2023-06-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I Purchased, my home the first part of XX/XX/XXXX. Ive never been late making my mortgage payments. Since then, all my other accounts have been paid on time. For the last four years, my FICA score seems to be frozen. When I purchased my home my score was XXXX. For the last four years its been averaging XXXX. Four years ago a hired a credit repair company to help with my score. I paid him {$500.00}. After one year nothing happened. Later, I thought I would hire a professional credit repair company. I paid them {$5600.00}. After one year my score still stayed around XXXX. Three. year and a half ago I had subscribe to XXXX XXXX I paid them about {$1300.00}. For a year and of course my FICA score still averaged XXXX. So after spending so much money, I decided to try to update my credit score on my own. Ive contacted all three credit bureaus for help. When I contacted Experion credit bureau. They had me do a number of tasks to raise my FICA score. 1st, they had me send letters to all my previous accounts. Second Experion had me send them documents that my car was paid off mid XXXX and all my 6 student loans were paid off and still no change in my FICA. score. Experion also told me to do a number of transactions to file disputes, correct errors on my credit report, send them documents to their customer service department. Fourth when I called the representatives, they act like theyre in training. When I ask them a question they put me on hold for a long time. When they return they couldnt answer my questions??? I told them I mailed some documents return receipt a month before my called. they replied they dont know what happened to my documents both the representative and their supervisor can not explain to me pm what couldve happened with the documents I had mailed to them. They told me they would get back to me with an update. Well, of course they didnt call me. Im asking you to help me with this agency, I will also contact XXXX and XXXXXXXX XXXX credit bureaus to file dissatisfaction disputes with them. Ive lived in my house for eight years now. Ive never missed a payment on any my accounts they are all up-to-date. 
The main reason I want to adjust my focus score is because when I originally purchased my house my interest rate was locked in at 4.5 %. That was a high interest rate when when the interest rates fell two years ago I could not take a vantage of the two and 3 % interest rate that I was eligible for. All three credit bureaus cost me many thousands of dollars because of the incorrect reporting and correction. Ill send you the documents related to this dispute. PLEASE help me have XXXX correct my credit score. So hopefully when interest rates fall again I can qualify to refinance my house. 

Sincerely XXXX XXXX.
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I had cosigned a note with my grandson for a motorcycle with XXXX XXXX, Due to Covid, employment was lost due to the pandemic, I worked with XXXX XXXX to repossess the bike with a verbal agreement they would not hold me responsible. This was over 3 years ago. Since that time they listed it as Charged Off Due to Natural Disaster. The account has been purchased by other organizations repeatedly, Every couple of months they change the wording on the charge off so they can resubmit this and keep it at the top of my report. My score is greatly affected and when I file a dispute and they fix it, it is reported again and moved back to the top of my reports. 

I feel this is nothing more than harrassment from the people who purchase the loans and continually sell the off to another to report it again. My credit is perfect other than this continuing problem with this from XXXX XXXX.
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

FRADULENT, FALSE, UNAUTHOIRZED CREDIT INQUIRIES AS FOLLOWS XXXX : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; TRANSUNION : XXXX XX/XX/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 XXXX XXXX
Consumer complaint received 2020-12-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

Dear Cfpb, here is the issue. 
One year and a half ago, someone purchased a sofa set from XXXX with my credentials on an installment plan. Initially I didn't notice but right after my credit score bottomed in 6-7 months I got intouch with XXXX. By that time they have declared the account delinquent and reported me to the credit bureaus. 

After bunch of calls and complains they finally deemed it as fraudulent and told me they would do everything in their powers to fix the issue and work with the credit bureaus to erase that item from my account. Well .. not really.

What has happened is that their credit company XXXX gave my account to a collection service. All three of them filed against my credit record as delinquent and killed my credit score.

In the past 2-3 months I am working with XXXX, XXXX and Experian to fixing the issue. 
XXXX  did an investigation and they admitted it is all fraudulent therefore they deleted the items off my record. Experian and XXXX  had different view. I do not understand why. 

XXXX said it's fraudulent, XXXX said they are working onto helping me straight it up, the collection service XXXX XXXX said it's all closed and their investigation showed a fraud, but not XXXX  and Experian. 
My credit score went from XXXX to XXXX and there is no fixing that they said. 

Can you help me out with all of it. 
XXXX XXXX - never answer a phone call XXXX XXXX collection service
Consumer complaint received 2015-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I am a home owner in review for a modification but the lender is still proceeding with foreclosure and has set a foreclosure date for Tuesday XXXX XXXX, 2015. I believe they are violating my " Homeowner Bill of Rights Act and they are breaking the law. Can you please help me with this. 

Thank you, XXXX XXXX
Consumer complaint received 2020-12-13
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2900.00}, {$370.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$370.00} -This is not my account.
Consumer complaint received 2020-12-13
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Fair Financial Corp. (CA)

XXXX the XXXX 2020 XXXX XXXX I was going in to get coffee and gas as I was turning right on XXXX XXXX this guy you're on my side on the left lane with a phone in his hand hit my XXXX when the police was coming he got out of my lane and ran into with the right lane and I kept my vehicle where was that officer XXXX XXXX I was not allowed either tell my side of the story you told me not to go home and purchase insurance I told him that I least this car from fair Corporation a lady policeman it was with him you told her to go inside and talk to the witness the written is was never outside at all I went with my chest hurt me for 6 weeks took me 4 months to get my car back from the shop when I get my car back XXXX XXXX XXXX call me told me I owe {$9000.00} after paying {$5500.00} to rental services case number XXXX taking the police to court XXXX XXXX and guy to court I am willing to take a lie detector test
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (AL)

Aside from my complaint last XX/XX/XXXX which the companies responded with deletions being made but not all got deleted. My complaint last XX/XX/XXXX and XXXX, XXXX was closed immediately. Please don't close my complaints because there are still MULTIPLE fraudulent items on my credit report. I'm reaching out AGAIN for assistance to remove them from my credit report immediately.
Consumer complaint received 2023-07-04
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: Ability Recovery Services, LLC (NC)

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 ABILITY RECOVERY SERVICES , LLC : XXXX has violated my rights. 
XXXX 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 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 vears.

15 U.S.C. 1681s-2 ( A1 ) 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