davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-15
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. (CA)

My credit report from Transunion showed a 101 credit point drop yesterday. I filled out a Deferrement and payment based on my income request from FAFSA Dept of Education for my student loans. I did not see this at all on my credit report and needs to be there. 
It should also show on XXXX and Transunion. 

In the past months I have paid off or down several accounts to bring my credit up in order to qualify for an FHA home loan. It was at XXXX and I feel this horrendous drop is not correct at all. 

Please help me get this repaired! 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XXXX XXXX Last 4 of soc sec XXXX
Consumer complaint received 2023-03-06
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. (TX)

I have submitted several disputes regarding erroneous information on my account which keeps getting ignored. Im beginning to suffer mental anguish and heightened stress from having to continually submit disputes to have incorrect information deleted and or updated to accurately reflect my credit score. This is affecting my ability to purchase my first home because the scores are not being updated with accurate information across all 3 bureaus.

For starters late payments are being reported when it is illegal to do so. Based on my interpretation of 15 USC 1681A, section 2 titled exclusions : transaction history is not included in consumer reports. Isnt payment history considered a TRANSACTION? Please clarify the bureaus interpretation of what late payment history is considered. The following accounts are being reported as late and I am demanding that the late payment history is updated. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is showing as a collection account when it was not in fact a collection. I am requesting deletion after requesting validation that has not been done. 

XXXX is a fraudulent account that continues to report and I have request deletion several times. 

XXXX XXXX has several errors in reporting. It shows as a closed account with a past due balance. How is that even possible when you guys claim to have accurately validated this account? In addition this amount keeps increasing and the status being updated as if this account is still open and active therefore SERIOUSLY affecting my credit rating and causing me great financial and emotional harm. At this point its unbearable and something has to be done. 

Credit card usage is not being updated to reflect the correct utilization. XXXX XXXX, XXXX and XXXX balances are incorrect and have been. Based on the creditors reporting date these are past due for an update that reflects ACCURATE utilization. Because it hasnt been updated and is greatly affecting my scores I cant qualify for a home loan which violates my rights. 

In addition XXXX XXXX  is reporting twice for the same exact account. Thats false and fraudulent. 

Lastly the personal statement showing on my credit was not AUTHORIZED. I do not want to be classified as a fraud victim because it negatively affects me when creditors pull my report. Its essentially a scarlet letter and is discriminatory. I do not want any personal statements reflected on my credit report for this reason. 

Please also update the following information to reflect accurately : Employer XXXX  is not accurate I am not also known as XXXX, XXXX, XXXX. This is a catch all and my name has never been that.
Consumer complaint received 2022-05-24
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. (TX)

We have sent dispute letters beginning XXXX XXXX. We sent registered letters to XXXX and Experian credit bureaus. Within thirty days the credit bureaus are supposed to report that the account is disputed. Secondly the incorrect information, The date last active is documented on the copy of the credit report I provided.
Consumer complaint received 2024-03-09
Product: Credit reporting 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. (MI)

IDs XXXX XXXX Dear transunion & XXXX XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX TU/ XXXX XXXX XXXX XXXX - XXXX Pictures of proof included XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : REPORTING PAYMENT HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX FOR TRANSUNION
Consumer complaint received 2023-02-06
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. (MI)

The following inquiries I have previously disputed with the CRA and they have failed to provide proof of the fraudulent inquiries with my signature XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 States I have the right to privacy These are all being reported without permissible purpose.
Consumer complaint received 2022-10-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-05-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I received XXXX emails in a row from my banking institution, Wells Fargo that my card declined two attempted purchases due to insufficient funds in my checking account. This checking account is linked to my debit, but my debit is still physically with me so I suspect just my card info and pin had been stolen. 

I check my Wells Fargo account the same day only to realize that there had already been two unauthorized transactions that had gone and ones I had never made myself. The unauthorized transactions allowed by Wells Fargo were : XX/XX/XXXX - Purchase XXXX  XXXX  XXXX XXXX  XXXX for {$200.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX for {$390.00} Upon realizing this, I immediately called Wells Fargo 's customer service line to which they shut down my old debit card and are working on sending me a new one. They also froze my XXXX XXXX which was linked to my previous debit card and helped me file a claim on my behalf. I am now reaching out to the CFPB since I am concerned that Wells Fargo will not do much to return the money that was stolen from me. Additionally, since the purchases are not linked to any known companies I also was unsure of who to even reach out to. 

So far, I have checked my other debit and credit card with another banking institution to double-check those were alright ( they are ) and am considering opening an account with another banking institution to prevent this from ever happening again. This is the first time money has been stolen like this from me. Currently, I am awaiting my new debit card from Wells Fargo and any further updates on the claim I filed with them.
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FISERV INC. (CA)

On XX/XX/XXXX I discovered that there was Unauthorized charges done on my debit card and with drawls that were done, that I had not taken out. On line XXXX purchases in the amounts of {$31.00} that were made on XXXX/XXXX and lots more that were charged on my debit card. XXXX for the amount of {$200.00}. And more from there that I did not make. ATM withdrawals from XXXX in the amount of {$400.00} at a time that I did not make, on XX/XX/XXXX. And alot more of those that I did not make. I need help getting my money back. I filed a dispute on XX/XX/XXXX. However XXXX  XXXX  refuse to help do proper investigation. They said they denied my case because of PIN number being known. XXXX pills the dispute case and they still continue to deny, my case because whoever had all my information including my pin. I asked if I can see pictures of person who Withdraw money from ATM, but they refused to give me those pictures and just deny my case. Ive also given proof of me working my schedule And ask them if they could see if the transactions were made during some of the times that I was working to prove that I can be at two places at XXXX time they still denied my case. They want me to Re-appeal the case again.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Credit inquiry made on XX/XX/2020 from XXXX. Not my inquiry. I did not make this request seeking services or credit from this company. Social security on this inquiry is not mine. Credit inquiry made on XX/XX/2020 from XXXX XXXX. Not my inquiry. I did not make this request seeking services or credit from this company. Social security on this inquiry is not mine. Verified my social security number numerous times with Transunion and they have yet to remove these inquires. Thank you.
Consumer complaint received 2022-12-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Mr. Cooper took over as loan servicer for my mortgage beginning XXXX of 2022. Since then, they have been fraudulently withdrawing money from my checking account through XXXX transfers. I have never authorized any XXXX transfers to Mr. Cooper. They said they " transferred '' the XXXX I had established with the previous loan servicer but charged me a different amount. On XXXX they withdrew {$1500.00} from my checking account and applied it to the mortgage payment. They also withdrew an additional {$620.00} and applied it as additional principal. I never authorized this amount, with Mr. Cooper or with my previous loan servicer. 
On XX/XX/XXXX they made an additional XXXX transfer from my checking account in the amount of {$2100.00}. {$530.00} of that payment was applied to interest which did not accrue on the account as it was just paid in full 10 days prior.The rest was applied to escrow and principal. 
When I received notice of the XXXX withdraw, I contacted Mr. Cooper through their online chat. I informed them of the XXXX transfer, that I never authorized this, that my account was already paid in full, and the payment needed to be cancelled. They refused and told me I need to wait for the payment to clear my account and then request a refund through the supervisor. I did this today, XX/XX/XXXX, was told I needed to submit proof of the payment clearing my account and I sent proof of that transaction from my bank account statement. I was then told that was insufficient and that they needed to see my account balance to show it isn't negative. Mr cooper has no right to demand I share my private financial data with them before returning funds they stole from me.
Consumer complaint received 2023-03-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

On Tuesday XX/XX/2023 at approximately XXXX, a fraudster gained access to my Coinbase account and transferred XXXX worth {$250000.00} out of my Coinbase Wallet. I realized what was happening while the transfer was still pending and immediately contacted Coinbase Support. I was speaking with Coinbase Support while the criminal transfer was still pending. However, Coinbase failed to cancel the pending transfer. Coinbase failed to flag the transaction as potentially fraudulent. Coinbase failed to place a temporary hold on the transfer until its authenticity could be verified. Coinbase failed to respond to my multiple concerns, cases, and complaints.
Consumer complaint received 2022-05-24
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Trans Union XXXX XXXX XXXX XXXX  XXXX, PA. XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2022-12-16
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. (GA)

After extensive review of my credit report, I noticed there are errors on my credit report. My consumer report will be in accordance with the written instructions given by me and I demand my report to be updated accordingly. I am aware that accounts placed for collections or charged to profit, and loss shall be excluded from my consumer report, as a result, I have not received a 1099-c from furnishers, so that I may file this charge off as income. Due to the negligence of data furnishers and Experian, I will be filing a form XXXX of this fraud with the Federal Trade Commission and XXXX XXXX XXXX XXXX XXXXXXXX concerning the tax fraud. The companies have reported fraudulent activities on my consumer report when all these accounts were prepaid the moment, I gave the company my application with my signature. My consumer report does not include a report containing solely as to transactions or experiences between the consumer and the person making the report. I know of no late payments on any of these accounts. 
I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct to my knowledge.
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2022-05-24
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: EQUIFAX, INC. (SC)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXXXXXX Balance {$7200.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$580.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX  XXXX Balance {$200.00}
Consumer complaint received 2024-03-09
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. (FL)

I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my new family with a baby on the way Please remove unauthorized inquiries from my credit report As soon as possible Please see attached
Consumer complaint received 2022-05-24
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. (SC)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX  XXXX Balance {$7200.00} XXXX  XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$580.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX  XXXX Balance {$200.00}
Consumer complaint received 2022-05-24
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: EQUIFAX, INC. (FL)

I have sent 3 certified letters to get inaccurate inquiries, addresses and collection account removed. I have sent in my ids and police reports yet they claim they never received ANY of my certified letters. I have over 20 inquiries that resulted from the fraud and had incorrect addresses on my report too last certified letter was sent XX/XX/XXXX. 2022, I have called over 11 times to get this corrected. Months later and still not done.
Consumer complaint received 2022-05-24
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. (SC)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance {$3400.00} XXXX XXXXXXXX Balance {$15000.00}
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/2022 I leased a vehicle from XXXX XXXX in XXXX, FL which used XXXX XXXX XXXXXXXX as their leasing company XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX appears to be engaged in unfair / inaccurate credit reporting practices. They are using the wrong balance ( the total value of the leased vehicle as my balance ) on credit report and reporting the type of loan as a mortgage not an auto lease. This is a 39 month lease at {$290.00} per month. Total balance is {$11000.00}. They are reporting a balance of {$26000.00} on my credit report. This is deceptive and inaccurate information. I've tried to talk to tell about this and they said there is nothing they can do. This is just the way they do business. Please help!
Consumer complaint received 2019-07-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (MO)

I got a {$2600.00} loan through Avio Credit in XXXX of XXXX. Since then, I have religiously paid the XXXX dollar fee. Since it is almost XXXX of XXXX it may surprise you to learn that I still owe $ 2400+ ( it certainly surprised me ). As of XXXX we moved to Missouri due to my father 's poor health and as such, my SSI benefits due to XXXX XXXX were cut almost in half making the act of making those efforts almost a Herculean task. I have looked for relief and everyone I have spoken to says that it sounds like predatory lending. Help, please.