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

FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX
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. (PA)

These accounts are fraud and need to be removed immediately. I am a victim of identity theft. Please remove the accounts listed in the FTC affidavit I didn't make these charges whatsoever! Please remove these as they are causing me harm & inconvenience as a consumer. I XXXX XXXX am making this complaint. Not a third party like you tried before.
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. (PA)

These accounts are fraud and need to be removed immediately. I am a victim of identity theft. Please remove the accounts listed in the FTC affidavit I didn't make these charges whatsoever! Please remove these as they are causing me harm & inconvenience as a consumer. I XXXX XXXX am making this complaint. Not a third party like you tried before.
Consumer complaint received 2022-05-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (CA)

American Credit Acceptance has not sent me a statement in over two years. After their first of two repos, they stopped sending anything and have locked my online account. All I can do is pay by phone and only can make what I assume I owe for the month. I have zero idea of my balance, if I have missed payments, nothing. I have been paying {$600.00} per month, while being charged a {$6.00} fee to pay. They keep sending emails about repo, even with payments made.
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. (GA)

I have aye ongoing on problem with XXXX and Equifax, Also XXXX XXXX for not moving faster enough and getting the fraudulent accounts off quickly they took forever to process my mail that I sent in certified it took them three weeks to do and it arrived there in two days they have cost me great misery and aggression. Its has also at cost a financial burden.
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. (GA)

I have aye ongoing on problem with XXXX and XXXX, Also trans union for not moving faster enough and getting the fraudulent accounts off quickly they took forever to process my mail that I sent in certified it took them three weeks to do and it arrived there in two days they have cost me great misery and aggression. Its has also at cost a financial burden.
Consumer complaint received 2022-05-24
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: CREDIT ACCEPTANCE CORPORATION (MI)

In accordance with the Fair Credit Reporting act Credit Acceptance Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-05-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Scratch Services, Inc. (CA)

I took out a XXXX loan, we quality for 100 % forgiveness and I applied for that thru the XXXX XXXX but then our bank XXXX XXXX sold our account to Scratch, and they have sent notices of personal delivery at work in front of clients. We have already applied for forgiveness and it's not registering no matter what we do. Please help. We don't have the money as we kept on all our employees. I have submitted our taxes and everything required but they won't stop. XXXX won't help either
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MA)

My wife and I have been in the market for a new home since XX/XX/XXXX. With credit scores of XXXX and XXXX we were able to secure financing easily at rates sub 4 %. During XX/XX/XXXX, XXXX XXXX mistakenly reported a missed payment on our personal loan, causing our scores to decline dramatically. On XX/XX/XXXX, XXXX XXXX informed us of the error and that they would be taking action to correct the mistake with all three credit bureaus. We notified our lender of the mistake and after re-running our credit we now have scores in the mid XXXX 's. We no longer qualify for a mortgage despite having significant cash reserves and having less than 3 months on completing the XXXX XXXX loan. As of XX/XX/XXXX, Experian has yet to correct the mistake on both of our credit reports. Since the error was 2 months ago and we have been making timely payments, our credit scores have improved but are no where near recovering to XX/XX/XXXX levels. We've contacted all of the credit reporting agencies regarding how a score is determined and were told our FICO scores, not Experian XXXX, could be what is preventing us from securing funding. We have requested a rapid rescore by Experian and FICO but they are unable to help with this despite receiving documentation acknowledging the error. We have suffered tremendously and are unfairly being penalized.
Consumer complaint received 2022-05-24
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)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX # XXXX, XXXX XXXX XXXX, Dept of ED/XXXX  # XXXX, Dept of ED/XXXX  # XXXX, Dept of ED/XXXX  # XXXX, XXXX XXXX # XXXX has violated my rights XXXX 

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.
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. (TX)

FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Closed. {$260.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
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. (AR)

On XX/XX/2022 I submitted my Identity Theft report through this website along with my identification. I will upload my complaint copy with my other documents. I also uploaded a notarized copy of my FTC Identity Theft report. The FCRA stated that is all I need and a statement acknowledging that the accounts resulted in identity theft and that I don't assume or accept responsibility. ! 5 USC 1681C-2 ( A ) The local police department also stated that as long as the Identity Theft report was notarized and has a report number from the Federal Trade Commission , that's all I need. The company has 4 days to block and delete the information. I received an email from one of the companies asking me to upload my information but the website will not allow me to upload my documents. I am uploading a copy of the email also. I am not able to pull my consumer report from this company. I asked for them to mail me an updated report and score and I haven't received it. Also I am acting on my own behalf. I keep getting told that it's not me.
Consumer complaint received 2024-03-14
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. (CA)

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  and list of Inquiries. 


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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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.
Consumer complaint received 2022-05-24
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CREDIT ACCEPTANCE CORPORATION (NC)

Credit Acceptance Corporation calls repeatedly under different numbers. 

The Fair Debt Collection Practices Act says debt collectors cant harass, oppress, or abuse you or anyone they contact. 

Credit Acceptance Corporation has done all three under different numbers.
Consumer complaint received 2022-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (CO)

back n XXXX of 2020 i saw two accounts that i didnt open with XXXX XXXX bank and reached out to get it removed to no avail now said account is on my credit report still and has been charged off due to someone making purchase on accounts
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

To the Credit Bureaus regarding discrepancies in my credit report, After conducting a thorough examination of my credit report, I encountered significant distress upon discovering numerous unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were accurately reported. According to 15 U.S. Code 1681e ( b ), which mandates consumer reporting agencies to utilize reasonable procedures for ensuring the utmost accuracy of individuals ' information, it is evident that your obligations in this regard have not been fulfilled.

I understand that under 15 U.S. Code 1681i ( 5 ), which specifically addresses the handling of inaccurate or unverifiable information, consumer reporting agencies are required to promptly delete or amend such information upon confirmation of its inaccuracy or inability to be verified. Furthermore, they must notify the information provider of any alterations or deletions made. Failure to provide verifiable evidence within 15 days following the investigation necessitates the removal of the accounts and/or information specified below. 

In accordance with 15 U.S.C. 1681i ( 7 ) regarding the method of verification, it is evident that the following accounts lack valid evidence and are therefore in violation. Kindly take the necessary steps to remove them from my credit report : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Thank you for your prompt cooperation in addressing this matter.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

On XX/XX/2024 Equifax received my CFPB complaint about how my information with Equifax should be equivalent to my XXXX credit report, and then in XXXX I received a letter from Equifax stating, " we were unable to locate a credit file in our database with the identification information provided. '' ( the letter will be uploaded to this complaint ) dated XX/XX/2024. When I provided my information to the CFPB, I gave my date of Birth along with the last four of my social security number. So, with all this being said how is it that my credit file can not be located but you all have reported inaccurate credit information to my credit report that I CAN SEE ( which I will also attach to this complaint )? So now everything is contradicting everything. How are you all reporting information if you all can't locate a credit file associated with my date of birth and my social security number? Make it make sense?
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. (FL)

I sent a letter on XXXX XXXX to remove ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after theXXXX XXXX. Ive already included this in my previous Complaint # & I am including it again.,
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. (FL)

I sent a letter on XXXXXXXX XXXX to remove ; XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after theXXXXXXXX XXXX. Ive already included this in my previous Complaint # & I am including it 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my credit report, I noticed that several accounts have been opened using my identity. I did NOT authorize these accounts and I have contacted each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. Below I have listed several accounts that are recognized as fraud : 1 ) XXXX XXXX XXXX XXXX {$410.00} DATE : XX/XX/XXXX 2 ) XXXX XXXX {$470.00} XXXX 3 ) XXXX XXXX XXXX  {$710.00} DATE : XX/XX/XXXX 4 ) XXXX XXXX {$1000.00} XXXX 5 ) XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX  ) {$38000.00} XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

Hi, My name is XXXX XXXX and I have been on hold for almost 60 days now with the three credit bureaus XXXX, XXXX, and Experian in terms of getting delinquencies off my credit that do not belong. There are numerous 15 USC violations, broken FCRA Laws, in which they are not responding to my demands because I know my rights in which this is the third complaint I am reaching out to the CFPB in which nothing is being done. If the delinquencies remain after this I will have no choice but to file a lawsuit against the three credit bureaus as this has been going on for about 6 months now and I've just had enough.
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: Experian Information Solutions Inc. (CA)

on XX/XX/XXXX i was informed via Email that a XXXXXXXX XXXX credit card account was past due and had several returned payments. I never authorized the opening of the account. i have XXXX XXXX XXXX loans and that all. This account was fraudulently opened and abused using my personal information. Im a victim of identity theft. my personal information is being sold online for fraud. this has been confirmand by dark web surveillance.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report.
Consumer complaint received 2022-05-24
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  Account below have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Date opened : XX/XX/2018 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written consent 15 U.S.C 166b Timing of Payment A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2022-05-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

I am attempting to remove my pmi after 4+years with freedom mortgage. I am currently below the 78 % to have pmi removed. They will not do it without my paying more money to have an appraisal done by thier " 3rd party '' vendor or waiting another year.
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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I XXXX XXXX, a consumer, natural person, and the original creditor of an open end credit plan, received results back from TRANSUNION that were not in my favor. In TRANSUNION 's response to my CFPB complaint case number XXXX, TRANSUNION deleted and blocked my XXXX XXXX  account. This was not my request. I requested for TRANSUNION to DELETE all late payments and UPDATED to PAID AS AGREED. After I submitted that complaint, the late payments were deleted. When TRANSUNION closed out the complaint, they deleted the whole XXXX XXXX account.
Consumer complaint received 2022-05-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Credova Holdings Inc (VA)

I made a payment of {$480.00} to pay off this {$510.00} loan. XX/XX/XXXX XXXX on the XXXX of XXXX XXXX on the XXXX of XXXX XXXX on the XXXX of XXXX. 

Total {$600.00}... The {$480.00}. was balance due. This company never sends emails, mail or phone calls... There call is for you to default. We had 90 no-interest. Not getting information on a due date, I missed the 90 day window. I overpaid with interest XXXX.. then for the next 7 months, I get referred to their collection side. They say now I owe {$45.00}. Again, we never got a phone call, email, text, mail or anything that there was a balance. They say they are FDIC. They are not. They are making money based on customers miss the 90 day window as I did.. I would have never used if I had to {$80.00} in interest. 

I received a phone call at the beginning of XX/XX/XXXX. From XXXX XXXX. They say they are part of Credova. I didn't know what this was.. After 7 months of no contact.. They say I am to log into their app and make sure I am up to date.. I have never downloaded their app.