davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2021, I requested Trans Union, by Certified US Mail # XXXX XXXX XXXX XXXX XXXX, XXXX  by Certified US Mail # XXXX XXXX XXXX XXXX XXXX, and XXXX  by Certified US Mail # XXXX XXXX XXXX XXXX XXXX XX/XX/2021, to please send me copies of the documents that they have in your files as of this date that you used to verify the accuracy of certain accounts they are reporting on my credit report. 
I informed them that Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in their files, at the time of this request, concerning the above accounts that they are reporting in my credit report. 
I requested that they please do not respond to my request by saying that these accounts have been verified, instead, please send me copies of the documents that they have in their files that were used to verify them. 
As of this date, more than 30 days have passed and they have failed to comply.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. ()

TO WHOM IT MAY CONCERN Under 15 USC 1681 b -permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX XXXX XXXX NEVER gave EQUIFAX XXXX XXXX XXXX XXXX any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. Concerning the accounts linked below as a consumer demanding deletion of these accounts. XXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/XX/2020 My National Insurance number is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-25
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)

Last year on XX/XX/XXXX of 2020 I went to XXXX XXXX XXXX XXXX to purchase a new vehicle they unauthorizingly ran my credit report through four different bureaus to find me rates on my new vehicle purchase I did not authorize them in any way shape or form by signature electronic signature verbal or otherwise to run my credit through more than ally financial They persisted to run it through four different bureaus without my consent and that's against the Fair credit reporting act and against state and federal law. 
1. XXXX XXXX XXXX 2. XXXX  XXXX 3. XXXX XXXX XXXX 4. Duplicate for XXXX XXXX XXXX The XXXX XXXX  dated XXXX is valid. 
I have disputed this with the company itself with no response from them I took it upon myself to call each of the credit bureau is finally and have this process and the proper way to where I'm filing police reports and sending each credit bureau authorized documentation showing that I did not authorize these illegal credit pulls.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I previously notified Experian thru the CFPB that I am a victim of identity theft. There response is that I am a third party. Dear Experian, I am not a third party. I XXXX XXXX am submitting this complaint myself to Experian.
Consumer complaint received 2021-07-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (FL)

There's a company using scare tactics to attract attention. This should be illegal. The company " Freedom Mortgage '' ( if that even exists ) printed my supposed " mortgage number '' on a direct mailer ( for all to see ) that they have closed on my mortgage, but I didn't apply for one. Someone, maybe an older individual or someone in frail health, might have a cardiac response to something that alarming. I know better, but I still think it should be reported. This is wrong. It's evil and should be illegal.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (TX)

I made a hotel reservation for XX/XX/23 and was charged by La XXXX XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) using my XXXX  card ( transaction was authorized on XX/XX/23 for XXXX XXXX. When I arrived from XXXX  on XX/XX/23, I was told by XXXX XXXX ( who said she was the XXXX ) at XXXX XXXXXXXX that the reservation had not been paid for and there was no room available. I recorded our interaction on my phone. I immediately called my bank ( Wells Fargo ) and filed a dispute of the charges. Meanwhile, I booked a hotel room at a different location. I received a letter from Wells Fargo on XX/XX/23 that said the charges were valid and the temporary credit that had been granted would be reversed. I now owe Wells Fargo that amount although XXXX XXXXXXXX XXXX says that they never received a payment for the reservation. I am a XXXX XXXX  on a strict budget. I can not afford unnecessary expenses, nor can I afford to keep fighting with Wells Fargo or XXXX XXXXXXXX XXXX over who actually owes me this money. This has thrown my account in the negative. Please advise.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion has my old address on file, a place I left 12 year ago. Furthermore my credit dropped XXXX points just because I am shopping around for a car lease, looking in 4 places. I never gave my SSN to any of those dealers, regardless they manage to access my CLEAN data and after their inquires my credit report dropped XXXX points / inquiry!!! WHY??? 
I am now in a situation where instead of XXXX my CR shows XXXX and can not manage to fix this matter with them. An address change also appears on that report, it is MY OWN where I was living for the past 3 years! What is going on? 

Thank you!
Consumer complaint received 2021-07-25
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. (NJ)

I have a student loans from XXXX unfortunately i have a permanent XXXX and therefore my student loans was discharged by bank, i have received from XXXXXXXX XXXX a proof of a letter that loans was discharged and no obligation to repay the loans. But unfortunately all three credit companies ( XXXX XXXX and Experian ) keeps an amount of {$26000.00} and {$25000.00} on my Credit Reports as a Balance. i was trying to Dispute on their websites a few times on XX/XX/XXXX but always appear a message " '' We encountered an error when trying to access your credit history report '' '' '' '' Because loans was discharged the balance on my credit report account has to be XXXX and account should be closed. with out this my credit report in very low level, i am unable to rent any apartment for living.
Consumer complaint received 2021-07-26
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)

This is my 4th sending dispute request to Experian with no responses.. Can you all please look into this matter asap ... I want these items deleted immediately. 

XXXX XXXXXXXX NO CONTRACT-DELETE IMMEDIATELY XXXX XXXX -NO CONTRACT- DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TEXAS XXXX XX/XX/1972
Consumer complaint received 2021-07-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC (NJ)

WESTLAKE FINANCIAL SVC opened XX/XX/2021 ... has reported to my XXXX  that i missed payment but the car dealership took the car back the first month..and payed it off i never had the car more than 30 days.i dont why it reported that i missed a payment that is inaccurate.but not on XXXX and XXXX ???
Consumer complaint received 2021-03-22
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. (NV)

I have sent several dispute letters online and through the mail. I started mailing out letters to the credit bureaus and tracking. I have sent several letters but on XX/XX/2021 I requested a re-investigation and I also asked for verification and how they verified the information on my report. Each time they sent me an electronic response about how they verify but it's an automated message and they are all the same. I sent another letter in XX/XX/XXXX and XX/XX/XXXX. They send me an electronic reply shortly after I mail the letters but don't address any of the items that aren't accurate. I have single accounts showing 23+ charge-offs for the same account. How can one account be charged off 25 times? There are several like that. The balances are not accurate. Some items are missing information. They aren't doing a thorough investigation. I have asked them to prove how they verified the information being reported and they just keep sending me computer-generated emails or they say the account is verified or updated. However, the information is still wrong. I have sent letters to the creditors as well. My first letters went out in XXXX and again in XXXX.
Consumer complaint received 2023-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (NC)

I was scammed by an individual named XXXX XXXX XXXX in NC as the netcredit loan was taken. This individual scamming me, also resulted in me blocked from XXXX XXXX, had me XXXX acted as she stole a check from me, and held many felony convictions. In the town of XXXX NC, her parole officer did not perform the required drug tests to allow her to skirt through probation. If anyone owes NetCredit, it is XXXX XXXX XXXX who scammed me. I am a victim of being scammed, and then taken advantage of by Netcredit, who wishes to charge me XXXX percent interest on top of it. I am just making the data complete, as Netcredit is allowed to report incomplete data to the credit bureaus. Incomplete data is not to be allowed on the credit reports, and NetCredit does not have the complete data to provide an accurate picture of me. I will no longer be scammed by individuals such as XXXX XXXX XXXX, or crooked lenders trying to skirt around Florida 's caps on lending to prevent predatorial lending.
Consumer complaint received 2021-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Accounts : XXXX XXXX XX/XX/XXXX {$160.00} Inquiries : XXXX XXXX XX/XX/XXXX Transunion XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries and account are in violation of 15 usc 1692g under section 5 ( b ). The account and inquiries are a result of fraud and identity theft and by law must be removed since they can not be legally validated. As the consumer and original creditor I do not validate or own these fraudulent items on my credit report. I have contacted Transunion about reporting these items on my credit report and they were vague and dismissive.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

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 2021-07-26
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. (VA)

I have been divorced for 15 plus years from ex wife. I completed a change of address to the Post Office and she did as well. This is and has been a strain on my current marriage and has been all the while the mail has been coming to my addresses. It was one of the reason I sold my home in XXXX, was due to the mail coming to the address. My current wife never felt the home was hers, after change over change to the home. Then we moved to another county in XXXX  and mail kept on coming. I felt it was just the mail being forwarded. We didn't do a forwarding address when I moved to XXXX  and mail continued to come with my EX 's name on it. It has been very troubling and disturbing to say the least. One of the credit bureaus has been using my credit to service 3rd party information with out my consent. This has been discouraging and troubling on so many levels of my personal mental state and marriage. I have attached one of the pieces of mail. The problem is that I wouldn't have known how to attempt to fix this if I had not been introduced to the world of credit on a higher level. I know there are others like me that have been taken advantage of or don't know how. You don't know what you don't know.
Consumer complaint received 2021-07-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-07-24
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: EQUIFAX, INC. (CA)

XX/XX/XXXX Hello Equifax, Recently, I viewed a copy of my credit report and noticed some old information that I need removed. I am certain that this account is affecting my credit scores, denying me of loans that I need for business expenses and costing me too much time and money every year. 

Listed below is the account that I have identified, and want to have removed. 

XXXX XXXX XXXX I am sure you are aware that my rights under the provisions of Section 611 of the Fair Credit and Reporting Act of 1970 are clear, I ask kindly that this account be removed from all current and future credit reports. 

Also, I would appreciate it if you would please forward me the information of any individuals and or organizations you reached out to so I will be able to follow up with them on my end.

I am certain that 30 days is plenty of time for your company to look into this account.

I believe that under Section 611 ( a ), it is clear that the failure to investigate this account within 30 days constitutes a reason to permanently remove the information from my credit report.
Consumer complaint received 2021-03-22
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. (TN)

I have contacted Experian and XXXX I have provided them police reports, identity theft documentation, and written requests to remove invalid medical debt. I am a victim of identity theft. 

I do not live in Florida, and therefore do not have medical debt in Florida. 

Furthermore, I am a 100 % XXXX veteran and all my medical expenses are 100 % covered by the Department of Veterans Affairs.
Consumer complaint received 2021-07-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Consumer complaint received 2021-07-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KY)

I'm no expert or anything but I know for sure that the three bureaus most report 100 % accurate information to a credit report, I took a look at my credit report not to long ago and there's nothing but INCORRECT items on my credit report that doesn't even belong to me. So not only is the information inaccurate across all bureaus but the items don't even belong to me. I've disputed multiple times and the bureaus aren't taking it serious, they're continuing to report incorrect items on my credit report, I will be attaching these inaccuracies to this complaint. It's honestly ridiculous. Remove ALL of these incorrect information so I can move on with my life. You are defaming me and I feel like I'm being toyed with. I also refuse to dispute directly through any of the bureaus because they clearly will not fix the problem. I'm just sick of this all together. Literally all you guys do is defame consumers for a living.
Consumer complaint received 2021-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (TX)

Sunrise Credit showed up on my credit report. The report states that I opened an account with them XX/XX/XXXX for a credit loan of {$1500.00}. The report also states that the account is derogatory. I have never heard or opened an account with Sunrise Credit. The account with Sunrise credit, among numerous others, is not mine. It is the result of identity theft.
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

In XXXX Academic year, I was XXXX XXXX XXXX XXXX with proof of transcripts from XXXX XXXX college and XXXX XXXX college. wherefore the the 90/120 Days delinquency should be remove as matter of law under Federal Truth In credit billing act with foreberance in place as a protection and suspension of payments. 

The statute of limitations for reporting XXXX and XXXX 90/120 days late has also expired. Must all be delete immediately.
Consumer complaint received 2021-07-25
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)

In XXXX Academic year, I was XXXX XXXX XXXX XXXX with proof of transcripts from XXXX XXXX college and XXXX XXXX college. wherefore the the 90/120 Days delinquency should be remove as matter of law under Federal Truth In credit billing act with foreberance in place as a protection and suspension of payments. 

The statute of limitations for reporting XXXX and XXXX 90/120 days late has also expired. Must all be delete immediately.
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Bankruptcy was disputed early XXXX of 2021 with XXXX XXXX. 
Disputed Bankruptcy with XXXX XXXX as the wrong and old information is being reported to credit bureaus. In early XXXX received information from XXXX XXXX that an investigation had been completed and the information researched was invalid and would not be reported any longer. 
Completed dispute with all 3 credit bureaus, in which they never changed the bankruptcy from being removed although the reporting agency has stopped reporting. 

I am writing this complaint as I am being intentionally targeted by the credit bureaus continuing to report false and inaccurate information. 

I respectfully send you this complaint coming with faith that it will be heard, rectified and resolved.