davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX is reporting late payments on my account, and they did not ask my permission to do that, according to article 15 USC 1681b ( 2 ) it is considered ID theft per the law. 
I have contacted XXXX on several accounts about this, and they say that nothing can be done to help with this matter because it is an automated system.
Consumer complaint received 2024-10-18
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. (FL)

I do not recognize these Hard Inquires and i have asked the credit bureau to removed these from my credit and they have not removed them. I am providing an identity theft report which i will be attaching to this, I am requesting them to be removed because they are inaccurate and they are not mines. 

Thank you
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted proof of no Bankruptcy under my XXXX XXXX and was denied credit from XXXX because of TRANSunion. Transunion has not completed previously filed CFPB complaint made back in XX/XX/year>. I am requesting that Transunion DELETE bankruptcy and DO NOT UPDATE.
Consumer complaint received 2024-09-16
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. (NC)

I am writing to formally request your immediate compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681n. This section addresses the liability of credit reporting agencies for willful noncompliance with the FCRA 's requirements.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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.

has violated my rights. Or 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 2023-05-22
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)

Recently reviewed my report and there are 2 unauthorized addresses on my credit report. There's also 2 installment intems,1 revolving item, and 5 inquiries that is unauthorized and not related to me.
Consumer complaint received 2023-09-07
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (MD)

Experian responded to my complaint on XX/XX/22 stating there isn't an inquiry on my consumer report from XXXX XXXX XXXX. I have attached a letter from XXXX stating Experian provided them with a copy of my consumer report. 15 USC 1681 ( a ) ( 4 ) states I have a right to privacy. Experian violated this right when they provided my consumer report to XXXX XXXX XXXX without my authorization. Furthermore, I have a freeze on my consumer report which means you violated 15 USC 1681c-1 when you provided my consumer report to XXXX XXXX XXXX XXXX XXXX negligence has caused me severe damage. 15 USC 1681o makes you liable for damages caused by your negligence. I am requesting monetary relief in the amount of {$3000.00}. I will escalate this matter if you fail to resolve it within 15 days of receiving this notice.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Alliance Collection Agencies, Inc. (IL)

I have disputed this account with the credit bureaus on several occasions as well as disputed with Alliance. This company continues to report this unverifiable, inaccurate account on my reports. I requested debt validation in XX/XX/XXXX and XX/XX/2016, to no avail. This company did not send me any documents I requested that substantiated a summary of all account activities, including all payments made, copies of charge slips, invoices or any other documents proving my indebtedness, nor did they send me copies of all documents sent to me regarding this account, copies of any papers that show I agreed to pay what they say I owe them, as well as prove the statute of limitations has not expired on this account. See attached documentation. The documents sent to me from this company DO NOT VALIDATE THIS DEBT AS BELONGING TO ME. Since this third party collection company is unable to validate the debt, this item must be deleted from my report immediately.
Consumer complaint received 2022-12-07
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. (CA)

I sent a out a second letter with proof if identity as well on XX/XX/XXXX to all the credit reporting agencies. However the credit reporting agencies said they completed the investigation and everything was 100 % accurate. XXXX XXXX and Experian has Failed to do a proper investigation and respond back to me. This is not making any sense and is also frustrating when these corporations are for XXXX reporting inaccurate information and for XXXX not removing the information when i ask them to. 

According to the law 15 U.S. Code subsection 1681a Definitions ; rules of construction.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. It's well past 30 days. 

I would like to know who did they talk to. 

How did they complete this investigation.
Consumer complaint received 2023-09-07
Product: Credit 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: ALLY FINANCIAL INC. (NJ)

I requested a balance transfer to my ally bank cc to pay off my XXXXXXXX XXXX XXXX loan and Im not getting an update on any information and the balance has been on my card and credit for a month. Ive called more than 5 times and have not been given any information on the status of balance transfer.
Consumer complaint received 2023-07-10
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: WELLS FARGO & COMPANY (NV)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2016-01-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Recovery Solutions, Inc. (NC)

They have called several times, saying they were collectors for a payday loan with XXXX XXXX XXXX XXXX XXXX, and then with a company in XXXX XXXX 's " group ''. They threaten to sue, etc. Our client filed Bankruptcy ( chapter XXXX ) and got his discharge, so we called the phone number and told them, they said they would remove the claim. Then they started calling him again. The attorney called and as soon as he said he was the attorney, they hung up on him, he called back, they put him on hold, and hung up on him. We have talked to XXXX XXXX and they say it is not anyone from their collections department or anyone they have hired to handle their debt collections. 
XXXX First Recovery XXXX
Consumer complaint received 2023-07-12
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. (PA)

To Transunion Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

You are in violation of 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

[ Violation of 15 U.S. Code 1692e ] - False or misleading representations - GENESIS CREDIT MANAGEMEN - XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (CA)

National Credit Adjusters has falsified a debt on my credit reports. No notification was provided in regards to this debt. They parked this debt on my credit report and have re-aged this debt which once again violates the statue of limitations. They are reporting this as a new delinquency. I have never been notified of this debt. FCRA requires debt buyers to notify me when they report negative information to a CRA, this practice violates the FCRA.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

I have been working with AmeriHome Mortgage since XX/XX/2021 to figure out why my mortgage payments have been raised substantially. They told me in XXXX that my account was being investigated and that my account would not be penalized in any way in the meantime. I have another complaint about that issue with your organization that is still pending. 

This complaint is about AmeriHome continuously calling me regarding a debt collection over this mortgage. I informed both XXXX XXXX ( AVP, Customer Experience Office of the President ) and XXXX XXXX in writing about this harassing behavior. They call during work hours, they call in the early morning. They leave long rambling messages that fill up my voicemail. 

XXXX XXXX did not reply to my notification of the harassment and XXXX XXXX said there was nothing she would do to stop it. 

I have also written several times to XXXX XXXX and XXXX XXXX that I want any and all exchanges with AmeriHome to be in written form due to the lack of follow through or institutional memory on my case. 

This is harassment. I am actively working with this company and have pursued relentlessly getting answers regarding my case. All delays have been from the side of AmeriHome. They are threatening my credit score and my home. This predatory and harassing behavior needs to stop.
Consumer complaint received 2017-04-06
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JH Portfolio Debt Equities, LLC (NY)

My complaint is quite simple, by law a collection agency must submit correspondence to let a consumer know that a debt they either acquired by ownership, or simply by proxy on a vast power of attorney process is no longer collectible. The attached letter from XXXX stipulate just that, and they have started to process of removing the XXXX collection from my credit report. A second company called JH Portfolio Debt Equities stipulates that they purchased the debt from XXXX at the same time. They like XXXX can not enforce a debt that is considered non-collectible. So, if the debt is simply too old to collect, and the fact that JH Portfolio Debt Equities can not collect, they sent the collection to a new collection agency called XXXX. This is the third collection agency that simply has no recourse to collect on an antiquated debt. XXXX shows no proof of ownership or collection proxy, then why is the very same account remaining on my credit report from any collection agency. This is an example where a collection agency is using my personal credit rating as hostage to collect on an old account that has already been removed from my credit reports by the original creditor, XXXX These collection processes are highly scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. It is a re-aging process on debts that have long outlived their usefulness to be maintained on credit. These collection processes are the main reason why even the FTC considers the national collection process broken. I know that the CFPB and its Director XXXX are before Congress currently on the usefulness of the CFPB, and I make the claim that it is the best recourse that an American consumer must fight the corruption that exist in the debt collection process by thousands of collection agencies that could care less about my constitutional and civil rights. This account as well as my personal information need to be purged and erased from credit immediately and permanently.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake. I also have not received any results for the disputes that i opened on these items from the credit bureaus. Its like they didn't even open the investigations because i have received no notice regarding how the company responded. Please help me any way you can.
Consumer complaint received 2023-07-09
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: EQUIFAX, INC. (FL)

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. Account name : XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account name XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : 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 an 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 ) ( XXXX ) 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.

acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 168115 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX, and XXXX did not modify or removed anything. 
The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit Which is a violation. This is preventing me from qualifying for buying a house with my family. 
My address is only XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX. Any other address is not my address. I attached my previous credit report to show where XXXX, XXXX, and Equifax violated my rights.
Consumer complaint received 2023-09-07
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. (MA)

Dear Sir or Madam : I AM A VICTIM OF ID THEFT ; THOSE LISTED ACCOUNTS AREN'T MINE. Please block that information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX