davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Transunion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 61 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update it immediately in my report : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Claim Number : XXXX Date of Loss : XX/XX/XXXX Named Insured : XXXX XXXX XXXX : XXXX XXXX XXXX Dear Madam : This letter is to inform you that your vehicle, XXXX XXXX XXXX XXXX XXXX ) has been declared total loss as a result of the above mentioned loss. 
As of today, your claim has been paid, in the amount of {$7500.00} to XXXX XXXX XXXX XXXX, and is currently closed. 
If you have any further questions please feel free to contact us at the number listed below. 
Sincerely, XXXXXXXX XXXX, XXXX XXXX XXXX Claims Representative ( XXXX ) XXXX ext XXXX XXXX ( XXXX ) XXXX XXXX XXXX | XXXX | Florida | XXXX | T ( XXXX ) XXXX | F ( XXXX ) XXXX | XXXX
Consumer complaint received 2022-11-11
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. (FL)

I settled my XXXX account but yet it is still showing an outstanding balance of {$9000.00} when a settled account should have the balance updated to XXXX and reported as paid settled for less than full balance this information is being reported incorrectly on my credit profile and should be updated I have reached out to the XXXX burearus the XXXX XXXX XXXX account is on being experian and XXXX and have not heard about the dispute i have also reached out to XXXX who is refusing to get issue correct in a reasonable time matter
Consumer complaint received 2020-01-09
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)

My information has been compromised and I believe it is from the XXXX data breach. Multiple accounts have been opened under my name without my consent and now my credit took a huge hit because of it. I am someone who always pays their bills on time no matter what and this has caused me huge setback in my financial life because I had plans on purchasing my first home and now I can not due to credit rating. Please help me get this corrected thank you in advance.
Consumer complaint received 2020-03-04
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: LEXISNEXIS (NV)

I have repeatly disputed the validity of a bankruptcy that is showing on my credit file. I have made several attempts to work this issue out with the credit bureaus and each time they are telling me that this bankruptcy belongs to me. I have been a victim of id theft my information is showing on the dark web. I have been working so hard to have inaccurate information removed and the credit bureaus are giving me a hard time. I have not filled bankruptcy and this should not be reported on my credit profile. I would like this removed STAT so I can move on with my life. Secondly if this bankruptcy belongs to me per cdia a minimum of consumer personal identifiying information such as ( name address ss ) has to show on the document and it does not so I am asking again that this item be removed from my profile. I have attached a copy of my ftc report the company requested my id so I have it attached
Consumer complaint received 2019-02-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One ran my credit without asking for identification verification, and will not look into this inquiry unless I send hard copy documents into them via mail. They're in the wrong and make it difficult to fix
Consumer complaint received 2022-11-11
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. (OK)

Transunion has not removed the inaccurate information with evidence of the inaccurate information. I sent letters, pictures, my consumer rights that were violated and evidence of inaccurate information reporting on my consumer report. Transunion is continuing to violate my consumer rights and also adding defamation of character as this inaccurate information is keeping me from obtaining credit. 

Complaint # : XXXX According to the law : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer Sent to company STATUS Sent to company on XX/XX/2022 We've sent your complaint to the company, and we will let you know when they respond. 
Their response should include the steps they took, or will take, to address your complaint. 

This was Transunion Response : Company responded STATUS Company responded on XX/XX/2022 RESPONSE TYPE Closed with non-monetary relief Company 's Response In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion has completed its investigation , including contacting the furnisher of the information. 

Transunion could not have done a proper investigation or re-investigation because my recent consumer report still shows INACCURATE INFORMATION. After their first, second, & third investigation my name is still wrong. Information on my credit report is still INACCURATE. XXXX is reporting false and inaccurate information and refusing to abide by the law. 

I have attached all factual documents and pictures of the evidence.
Consumer complaint received 2020-03-04
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: CITIBANK, N.A. (CA)

I applied for a credit card at Best Buy when i was purchasing a computer because it was offered to me for 12 months no interest. I applied and was approved. A couple weeks later it appears on my credit report as a hard inquire and it lowered my score. I called the citi best buy credit card and the person told me they should have told me when i applied it was ahard inquire but they didnt and that they cant remove it. What can i do?
Consumer complaint received 2020-01-09
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

HI, I AM XXXX XXXX HOMEOWNER XXXX XXXX XXXX XXXX XXXX NY XXXX HAVE : SATISFACTION OF MORTGAGE DOC. ID XXXX XXXX AND PRINCIPAL {$50000.00} MORTGAGE made by XXXX XXXX I HAVE DEED XXXX date ; XX/XX/XXXX XX/XX/XXXX I send shellpoint mortgage servicing {$6500.00} check number XXXX XX/XX/XXXX I SEND {$5000.00} FROM XXXX COMMISSIONER OF SOCIAL SERVICES TO ESCROW # XXXX in SHELLPOINT Mortgage Servicing tel ( XXXX ) XXXX I NEED MY MOHEY BACK AND MY RESIDENTION HOUSE XXXX XXXX XXXX  XXXX XX/XX/XXXX Shellpoint Mortgage Servicing sell my house to XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2023-05-24
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. (MD)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-03-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (RI)

On XX/XX/2020, I sent {$500.00} through XXXX from my citizens bank account to my sons XXXX XXXX XXXX  account, the funds left my citizens bank account but were never credited to my sons BOA account. I contacted both banks on a conference call and was advised the payments failed, and would be returned to the citizens bank account within 14 business days. Today is XX/XX/2020 and the funds are still in limbo. I have called the supervisor working on the case for me from citizens bank and he has not gotten back to me In the last two days. I have sent money to my son countless times through XXXX using his phone number before this and since the issue and this has not happened before.
Consumer complaint received 2022-12-27
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. (MI)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-24
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. (CA)

I need this late payment removed from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

XX/XX/year> Consumer Protection Rights On this day I contacted Experian Fraud Division at ( XXXX ) XXXX on a recorded line and was informed of XXXX  XXXX accounts being blocked and reported as fraud. However XXXX XXXX as a creditor contacted Experian to have them unblock the accounts placing item that was once Deleted by Experian to reappear on my Credit Profile causing me XXXX  XXXX  and to be denied a home loan. 
XXXX Experian Special Services also stated that as a Consumer I do infact have no rights with Experian and that Experian listens to the creditors because that's how Experian makes there money by the creditors paying to use Experian Services. 

I beg for help and protection against these creditors being allowed to maintain fraudulent information on consumers credit reports. As stated I've filed a Identity Theft Complaint and Numerous FTC and CFPB complaints which Experian recommended inorder to have XXXX  XXXX items remov3d and blocked from accessing my report. 
I've complied with each step and need protection. Please contact me in writing. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I want to complaint on Lakeview loan servicing. To start with, I have refinanced with XXXX XXXX but before my first payment they sold it to Lakeview Loan servicing. I made my first payment on time to Lakeview and checked my bank account if it has gone through. After one month I made another payment on time. I just wanted to check if everything is fine, so when I checked the account after 6 days it showed delinquent. I contacted them immediately and they said I am due. It dint made any sense since I made the payment already. So representative said that they will investigate but I am still due. So I made another payment. I contacted multiple ( up to 8 ) times there after in the span of 45 days and I got different answers from them. First they said I need to make another payment to avoid delinquency and later they said I wont be delinquent until first 60 days. But no matter I made my payment on time and another to avoid delinquency till they investigate. Late a supervisor said that by mistake my previous mortgage ( XXXX ) sent an extra payment, so they sent the money back, but I still made my first payment and they have investigate. Later another day another representative said I was due to XXXX XXXX so they sent that first payment to them and I was still due the first month. Later today after 45 days I talked to another supervisor and she agreed that first payment always goes to previous company and my extra payments will be corrected and my due date will be forwarded to next payment. All I got after all this struggle is sorry after going in round because of them and one time they asked me yo contact my previous company and I talked to them for hours learning they cant help me because they already sold it to the new company. I was so much in stress because they said I was delinquent after making my payments on time. I couldn't do other things I planned to just because I have solve this delinquency or mistake and I have to make extra payments because of their mistakes. But they cant compensate me in any ways after all this struggle. They don't have a clue what they are doing and incompetent to run mortgage company. The stress I went through these days can not be said in words.Sorry is the best they can do. I also want to complaint on the supervisor with ID XXXX who boasted about being the highest degree in the supervisors in that building and she can't do anything but will fix the mistake in 3 business days after my 45 days of struggle.
Consumer complaint received 2022-02-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Millennial Home Lending, Inc (WA)

Hello, On XX/XX/2022 I had an appointment at XXXX to finalize the signing of my new mortgage with XXXX XXXX DBA Millennial Home Lending. I signed all the documents but was not given any of the forms I signed including the three-day rescinding document, the payment coupons for where I make my first two payments to or any of the loan documents. He told me that he would go back to the office and copy them then bring them back to me. Then I receive an email telling me that he had closed the app and was not able to print any of the documents so reach out to my lender. I then reached out to XXXX XXXX and was told that they can not provide me any of the documents but that they forwarded them to the title company to have them send me a copy. I still have not received any of the documents.
Consumer complaint received 2022-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My 'credit score ' dropped again today, XXXX points. I receive regular emails from XXXX Credit Bureau and today I received an email from XXXX alerting me that my credit scores increased. I login, to my XXXX account only to be disappointed again, that my score had been decreased XXXX points. There was never any increase today, according to the email sent to me, from XXXX, alerting me my scores had increased. As I reviewed my report, to figure out why my scores decreased, there was no explanation. Every time my score get into the XXXX 's, my score drops below XXXX. This has been going-on for the past year ( XXXX ), without fail and no real legit reason, why. 

I would like the 'cfpb ' to review my credit report history to see there has not been any recent negative activity on my 'credit reports ', ( also happening with TransUnion ) XXXX I'm told to use my credit cards to increase my credit scores, by realtor 's. I have a credit card with XXXX XXXX that suggest I use my card as much as possible, not to exceed a certain percentage or {$500.00} before the bill is due. Since having this card I've paid my bill on time, long before the bill is due, without fail. Do you know they increased by score, ( TransUnion ), XXXX point last month... that is an insult and no appreciation for on-time payments, to the customer, me. 

I've attached my recent XXXX report an a screen shot of my fake email sent to me today. I'm requesting reasons for the roller coaster ride I'm on with these credit reporting companies.
Consumer complaint received 2022-12-27
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. (MI)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (IL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I have tried on multiple occasions to try and get information correct on my credit report. Experian continous to report and address XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XX/XX/XXXX I have never lived at this address or in that town and the apartment has sent this to collection with XXXX XXXX XXXX to collect on a debt that is not mine. I also believe that this collection is over the seven year mark too. I have also written to XXXX XXXX and the two Bureaus XXXX   and XXXX concerning the balance that continues to be reporting. This was a voluntary repossession in XXXX. The car was sold and the new balance was never reported and the bureaus refuse to investigate the account.
Consumer complaint received 2022-01-29
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. (OK)

I XXXX XXXX of Oklahoma do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. To describe what happened, I have submitted numerous dispute to TransUnion to have inaccurate items removed from my credit report as well as some unknown things. My XXXX dispute I mailed in was the XXXX day of XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Transunion at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this point.
Consumer complaint received 2022-12-27
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. (IL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.