davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
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. (LA)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The Credit bureaus stated the account was thoroughly investigated but how is that possible if these two accounts XXXX XXXX was deleted from my XXXX consumer report after a thorough investigation as you can see in the attached document of my XXXX XXXXXXXX  account.
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. (FL)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-07-20
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance Owed : {$380000.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; DPT EDXXXX XXXX Balance Owed : {$43000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$4800.00}.
Consumer complaint received 2018-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (NM)

Over the course of six phone calls, I've attempted to amicably resolve the dispute with Navy Federal Credit Union. With continual requests for additional information, the requests not being provided in a timely manner, the situation culminated when XXXX with Navy Federal Credit Union security called me at approximate XXXXXXXX XXXX  on XX/XX/XXXX and threatened me with bodily harm and death. 

The initial charge for approximately {$450.00} was made in XXXX with XXXX XXXX, a political sign manufacturing company. After many jobs having gone wrong previously with the company, I requested a refund for one of the projects which had gone wrong. I disputed the charge with Navy Federal Credit Union and the company has taken an unacceptably lethargic approach to resolve the dispute. 

After many weeks of back and forth communication with Navy Federal Credit Union, I provided Navy Federal Credit Union with every possible shred of evidence that the XXXX XXXX company had provided signage that was delivered with unacceptable damage and quality control issues. Today, XX/XX/2018, I sent final documentation to Navy Federal that they've requested with information that I'd sent the merchandise back to the XXXX XXXX  company, as XXXX XXXX revoked online access to my online ordering account and refused to continue communicating with me by email. 

After sending the final requested documentation to Navy Federal Credit Union, I provided final warning that if I could not solve this amicably, I would be forced to pursue this matter in small claims court. It was later that evening that I received a threatening phone call from XXXX on the security team. I'll have to file a police report, as Navy Federal has access to personally identifiable information that would endanger my family if XXXX followed through on his threat of bodily harm and death.
Consumer complaint received 2021-04-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent out Letter to Remove Inaccurate Credit Information from TransUnion, XXXX and XXXX I received a copy of my credit report and found the following items to be in error below 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Former : XXXX, XXXX, XXXX 3. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

10. Payments on Time/Never Late XXXX XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

11. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

13. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

15. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

16. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

17. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

& 18. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

I also Attached Letter I sent to TransUnion, XXXX and XXXX
Consumer complaint received 2023-08-07
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: Army and Air Force Exchange Service (KS)

Someone used my information to open loans and credit cards and my credit dropped from XXXX to XXXX because someone used my information to apply for credit cards and auto loans which they are on collections now and even used my information for XXXX XXXX and XXXX XXXX XXXX and XXXX which I dont know how they got my information to do all that They have used my information for inquiries which hurts my credit and now I cant even apply for a loan or use my VA for loan due to this fraudulent activity on my files and I have tried to contact them to erase everything but they didnt. I need to get my credit score up and they need to erase all those collections and debts and inquiries because I had no idea how these got on my reports
Consumer complaint received 2023-01-23
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. (PA)

Subject : filing complaint on This credit bureau. 

My name is XXXX XXXX and I am writing you in regards to filing a complaint on this company Around the beginning of XX/XX/2022, I disputed several accounts on my Credit report to which they allegedly verified. I am in total disagreement with their investigational response because I have vigorously explain to this Company that I did not give consent for this activity. Therefore, I demanded them to remove this inaccurate information immediately to which they have yet to do. I am requesting all incorrect information be removed from my report because these inaccuracies are highly injurious to my credit rating and violates my rights under the fair credit act. Please investigate these illegal and unconstitutional actions being done to me by this company immediately!
Consumer complaint received 2022-11-28
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. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Experian is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish this account : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

Platium Credit Card is missing or not being reported on my Credit Report, from XXXX XXXX XXXX XXXX Signature Loan is missing or not being reported on my Credit Report, from XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
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 am a victim of identity theft. I have sent the correct paperwork per the FCRA to fix my credit reports. The reporting agencies are not attaching these documents to my disputes and not filing the disputes properly per the FCRA. 

I am not getting copies of the verification process per the FCRA. 

These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Consumer complaint received 2023-08-23
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. (FL)

The credit bureaus stated that my accounts were properly investigated but how is that possible if the open date is inaccurate, date last reported is inaccurate, last active inaccurate, last payment date inaccurate, Past due inaccurate, Balance inaccurate, account status inaccurate, monthly terms inaccurate. This is grounds for removal and they also violated my rights under 15 U.S Code 1681 Section 602 A States I have the right to privacy.

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

Also the credit bureau took more than 30 days to complete my investigation here is my certified mail tracking # XXXX # XXXX # XXXX
Consumer complaint received 2023-08-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MO)

I RECEIVED NOTICE FROM US BANK HOME FORECLOSURE LAWYERS, XXXX AND XXXX, XXXX REGARDING MY MORTAGE NOT BEING PAID FOR 3 MONTHS AND NOTICE OF FOLECLOSURE ON MY HOME. I MISSED XXXX AND XX/XX/2023 PAYMENTS, I REACHED OUT TO XXXX XXXX XXXX FOR HELP. ONCE MY INFORMATION WAS RECEIVED FROM XXXX XXXX XXXX, I DID RECEIVE HELP WITH MY MORTGAGE ARREARS AMOUNT. THE AMOUNT PAID WAS {$3300.00}, THE TOOK CARE OF XXXX, XXXX AND XXXX PAYMENTS. US BANK PURPOSELY HELD ON THE PAYMENT FROM XXXX XXXX FOR 30 DAYS, THEY RECEIVED PAYMENTS ON/OR AROUND XX/XX/2023 FOR {$3300.00}, AND HELD THESE FUNDS UNTIL MY ARREARS AMOUNT REACHED 3 MONTHS. I HAVE RECEIVED SEVERAL NOTICES FROM THESE FORECLOSURE ATTONEY 'S XXXX AND XXXX, XXXX THEY ARE LOCATED IN XXXX XXXX. NOW THESE ATTORNEY 'S ARE TRYING TO ADD ADDITIONAL FEES FOR ME TO THEM FOR ATTEMPTING TO FORECLOSE ON MY HOME. THEY WANT ME TO PAID {$1000.00} IN ATTORNEY FEES AND PLUS A CHARGE FOR {$180.00}. I DON'T BELEIVE I SHOULD BE FORCED TO PAY ANY FEES FOR US BANK XXXX XXXX PURPOSELY HOLDING ON THE FUNDS THAT SHOULD HAVE BEEN RELEASED AND APPLIED TO MY MORTGAGE ACCCOUNT.
Consumer complaint received 2021-04-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown thing on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate this item within XXXX  days gives a reason to immediately remove this item from my credit report. It has been over XXXX  days so this should be deleted promptly. I demand this account be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-06-14
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)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXXXXXX 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 2023-08-23
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-04
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. (CA)

I'm reaching out today to inform you that I've fallen victim to identity theft. Please consider this letter as a formal dispute regarding the following accounts. I've already reached out directly to all the companies involved, as instructed, to address this issue. I've filed an identity theft report with the FTC and have contacted all the companies to dispute the information that shouldn't even be appearing on my file. I kindly request your assistance in resolving this matter. 
Please remove these accounts promptly. Your attention to this matter is greatly appreciated. I apologize for any frustration expressed ; however, these oversights on your part are causing significant financial difficulties for me. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
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. (NY)

On XX/XX/2023 & XX/XX/2023 I sent correspondence to Experian in regards to myself being a XXXX XXXXXXXX XXXX this reporter agency had four days to comply and remove the items described in the correspondence sent. There has yet to be any corrections made by blocking harmful information and it is apparent that the company, Experian, are willfully and intentionally allowing my suffering to continue and are causing harm to me and my family, they are clearly in violation of federal law, and as federally protected, consumer, I demand the action to be taken and corrections to be made this is not a matter to be taken lightly. It is the responsibility of the CFPB to enforce our rights as consumers and protect our interest. Please assist me in obtaining believe I shall. I shall be reaching out to federal authorities and plan to request a full Audit against the company for being accomplices to my pain and suffering, as I attempt to move forward with my life.
Consumer complaint received 2023-08-23
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. (PA)

I pulled my credit report XX/XX/XXXX. I noticed an array of mistakes with XXXX, and Experian. I began disputing accounts. Some were corrected or rightfully deleted. But there are still accounts that are not being reported properly. XXXX XXXX was never included in a bankruptcy, ever. But it is being reported on my credit report as it was. That auto loan was paid in full when I traded it in for a different vehicle in XXXX. I never missed a car payment in my life. I contact XXXX XXXX  who referred me back to XXXX and Experian to resolve. When I called XXXX and Experian  they referred me back to XXXX. For four months Ive been trying to get this fixed, and they arent reporting correctly, which impacts my score in a negative way. XXXX XXXX  was also never included in a bankruptcy. Those accounts were paid off. Both XXXX and Experian  are reporting it negatively, an account from XXXX that was never included on a bankruptcy. I contacted mariner finance who confirmed it was never in a bankruptcy and I was referred back to Experian and XXXX, who again failed to resolve the issue. These are just two of many examples of errors XXXX and Experian have made which my credit file. I want my credit file to be accurate and that is my right. I have requested validation of debt which I never received from Experian or XXXX.
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt 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 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