davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MS)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
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 hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my entrepreneurial aspirations. As a dedicated and driven entrepreneur, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals. 

I have recently encountered challenges in securing favorable financing options and business partnerships due to negative account XXXX account XXXX that appears on my credit report. This account has a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development. 

Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of this account is inaccurate and unjust. 

I have made diligent efforts to rectify this situation on my own by disputing this account with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my entrepreneurial endeavors without undue obstacles. 

Enclosed with this letter, please find copies of my credit reports where the disputed account is clearly visible. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution. 

I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing this account from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my entrepreneurial journey. 

I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting. 

Yours faithfully, XXXX XXXX
Consumer complaint received 2023-05-27
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-20
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. (TX)

Theres a list of inquiries on my report that were not made by me. I havent inquired about anything over a year and a half. These inquiries are not valid and should be removed. 

Inquiry details XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-08
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. (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. 

Account name : 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 2022-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 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 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 9..Validate Account XXXX Account Number : XXXX Please remove it from my credit report 10..Validate Account XXXX Account Number : XXXX Please remove it from my credit report 12. .Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report 13.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report
Consumer complaint received 2023-01-06
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. (FL)

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-06-15
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

A credit card from Capital One is reporting negative on my credit file. It shows me as an authorized user. I never authorized anyone to put me on their credit. They never called me for permission to use my information or anything. I have notified Capital One that this is not my account and i don't want to be on anyone 's card. However Capital One continue to report it on my credit every month with a new late payment and drop my score. I pay my bills. This is defaming my charachter
Consumer complaint received 2020-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TN)

After we closed on our mortgage for property address XXXX XXXX XXXX XXXX, TN XXXX on XX/XX/XXXX, our loan was purchased by Flagstar Bank on XX/XX/XXXX. 

On XX/XX/XXXX, our home was damaged in the tornado, requiring extensive rebuilding. Our insurance company has dispersed funds to us on XX/XX/XXXX and XX/XX/XXXX but the funds are required to be processed through Flagstar Bank ( our mortgage lender ). After over a month of cooperating and pleading with Flagstar Bank to release funds to our contractor, we finally received a check to pay our contractor for the rebuild costs. 

On XX/XX/XXXX, we received a check in the amount of {$93000.00}, a portion of the {$170000.00} we've received from the insurance company. That check was written to me XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, my contractor. On XX/XX/XXXX, that check was deposited into the contractor 's bank account and on XX/XX/XXXX, the check bounced. 

To whom do I turn to get this resolved? The mortgage company is now placing me on permanent holds when I call, resulting in an automatic hang-up after 45 minutes, once the customer service representative has verified who I am and why I'm calling.

I'm at a loss and terrified our contractor will place a lien on the property and this will financially destroy us. Any information or insight you may have would be enormously appreciated.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I keep my capital one account paid by autopay. For some reason, the interest rate increased but they kept my autopay the same. This caused my account to be short by XXXX dollars!!! I was made aware when I checked my account which was over a month after the fact. I do not normally check the account when Im on autopay especially if I see the amount is taken out of my bank account every month. So because of the {$3.00} short, capital one is reporting that my account is over 30 days late which is having a big effect on my credit score. In talking to an agent, she claimed that there was nothing that she could do. She also stated that I should be careful in the future. 
I feel that I should not be considered late when capital one increases the payment and creates a shortfall on my auto-pay payment.
Consumer complaint received 2023-01-06
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: Specialized Loan Servicing Holdings LLC (CA)

So Im submitting it again hopefully for the last time. XXXX and XXXX been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. 
XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, SPEC LOAN SV XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2022-04-13
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 — Problem with personal statement of dispute
Company: Upgrade, Inc. (NC)

Between the dates of XXXX of 2021, myself and family members got sick with XXXX XXXX. I was not working for close to 3 weeks, without pay. Durning that time frame, I spoke with Upgrade and they put me on the hardship program. I was to pay roughly about $ XXXX monthly. While I was on the program they understood I was going through a difficult time and was trying to keep up with my bills. Within that time frame I began to fall sort on many of my bills, and was unable to keep up with the monthly payment. As of today I have only two late payments reported to my credit report that is sadly effecting me in life. Im currently trying to move and get a new place before my lease gives out and the two late payments is causing me much distress.
Consumer complaint received 2021-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-06-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (WV)

We applied for a personal loan with XXXX XXXX XXXX XXXX and our bank and was turned down. Our loan officer stated we have a dispute against us from Specialized Loan Servicing. We called the company and disputed this action on our credit report and asked them to remove it. The credit Bureau stated all the SLS Loan company had to do is call Credit Bureau and this can be fixed. They refused and stated they want us to send a letter to them stating what we want done.They stated it could take several weeks to have this removed. We have never missed a payment through this loan company. We did apply for a Forbearance but, once we reviewed all the information we decided to pay our payment each month on time. We have called the loan company again and they will not remove this off our credit report. They never answer our calls and refuse to cooperate with us to solve our problem with our credit report.
Consumer complaint received 2020-06-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Financial Credit Network Inc (CA)

I called the company Financial Credit Network ( collection agency on behalf XXXX XXXX XXXX ) on XX/XX/2020, I was looking to find a solution for my debt with XXXX  XXXX XXXX since they suit me and is an entry judgment against me. 
I was expecting a high balance but I didnt expect over {$2000.00} in interest and legal fees, I asked for a settlement and the representative ( from Financial Credit Network ) informed me that the company wont settle for less than the original balance in lump-sum, I dont have money to make a lump sum, so I asked for a payment plan since the balance is {$10000.00}. 
I proposed {$2000.00} as down payment and the remaining in payments of {$150.00} per month since that is what I can afford, most during this COVID-19 pandemic, but the representative offered the {$2000.00} as down payment, payments of {$150.00} dollars JUST for the 3 first months and after that they will review my finances in order to change the monthly payment. At the beginning I explained to her that it sounds fine, but nothing promise that my finances will change and {$150.00} is the maximum amount I can pay every month. 
Almost at the end of the conversation the representative admitted that her company can accept {$2000.00} down, {$150.00} per month maximum for the first 6 months and after that the payment will increase the payment to {$250.00}, and the reviews will continue every 3-6months, BUT regardless the result of the review the monthly payment have will increase, she admitted the payment arrangement will not stop interest on the account and she couldnt clarify when this will end. 
The payment arrangement that Financial Credit Network is proposing is just MODERN SLAVERY, what she proposes is to review my personal finances every 3-6 months to verify I have enough money for them and later take it from me and my family needs, she propose to increase the payments EVEN when I advised I can afford {$150.00} and no more because my family needs, she propose me to pay interest over the interest ( never ending ), even she could not clarify WHEN the interest will be over. 
I HAVE to complaint about this illegal practices just because it is wrong what they are trying to do. I declined their payment arrangement because they will force me to pay more that what I can pay. This is not a refuse to pay the debt, I am asking for a payment arrangement with a fix monthly payment and a start date and end date.
Consumer complaint received 2020-04-12
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)

After 6 months of addressing and correcting issues arising from and identity theft issue, some of which was/is caused by the EQUIFAX data breach, countless hours navigating through an incredible cumbersome, incompetent and corrupt process, not caused by me, I finally thought I had made significant progress. I just received a response letter from Equifax, that confirms just how incompetent and corrupt the credit reporting agencies in a way that I have not been able to in this process. The letter is in response to my written request to remove the fraud alert on my report since all the fraudulent issues have been resolved and the alert has been cited as a reason for lenders to deny my credit request. I am XXXX and especially in this time of pandemic, it is become imperative that I have access to credit simply to survive and support a family. At any rate, the response letter states that EQUIFAX can not find my credit file in their database and requests the same documentation that was included in the request to remove the alert. So, after 6 months dealing with EQUIFAX and the other credit agencies, countless forms, letters, complaints etc ... they can not find my credit file? In normal circumstances this would be laughable, but when this is literally a life and death issue it is nothing more than gross negligence by EQUIFAX. Again, I'm dumbfounded that this type of thing continues to happen. I have also during this process located a written document I received from EQUIFAX stating that my information had been compromised during the data breach and I was entitled to a settlement offer. I am hoping that someone actually reads this complaint and I can finally get this horrific nightmare completed. PLEASE EQUIFAX your incompetence in these times is literally having real time negative impacts on peoples lives. Any delay in this action and I will have no other choice but to let a court decide. This company is putting peoples lives at risk by their incompetence and negligence.