davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-29
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. (MD)

Our Loan was transferred or sold to another company. The sale or transfer date was XX/XX/2019. The new owner was XXXX XXXX with Servicing of the loan being handled by XXXX XXXX. The Loan number is XXXX The actual transfer happened on XX/XX/2019. 

Recently we have been having problems with, first the XXXX XXXX loan shwing on our credit report starting this month as being OPEN with a balance of {$190000.00}. We put in a compliant to XXXX through CFPB ( this format ) on the XXXX of this month. On the XXXX the credit reports started showing the XXXX XXXX loan being closed, but the our XXXX account shows that there were other things also happening in the credit file that shows changes were made to the XXXX XXXX credit file that not only altered the dates or recorded delinquent periods. This in fact lowed my credit score for that account. Put a call into the CFPB this morning and was told that XXXX  indicated that the account could only be controlled by XXXX XXXX, and they were the ones that did not close it, and if I needed anything change or corrected, I would need to contact XXXX  and ask for Trade Line. I'm not clear who made the changes and why would XXXX/XXXX  XXXX would make such changes, being it something we had never before experience when were were with them. They have for the past ten years been an stellar and exceptional mortgage servicer.
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (WA)

XXXX Attempted to get my online free credit report from EQUIFAX. 
Website indicated there was a problem and instructed me to call the Equifax Customer Care Team at XXXX. 
Representative ( no name given ) sent me links so I could send a picture of my drivers license and a selfie. 
I attempted to send the pictures and the application failed to accept the pictures 4 times using 3 links sent by EQuifax. 
Equifax Customer Representative offered to tell me how to send in documentation by USPS. 
I've done this before and recieved no response and it was of no value. 
It is an abusive process. 
EQUIFAX appears to be making the process so difficult or inoperable that consumers will give up. 
I want my EQUIFAX credit report online. 
The abusive obstacles EQUIFAX uses are harmful because it encourages consumers to just give up. 
This places consumers, trying to act responsibly, AT RISK.
Consumer complaint received 2023-02-11
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. (AL)

There are two student loan balances on my credit report and one needs to be deleted because my loans were transferred to XXXX from debt of education aidvantage. The correct one that should be reflected on my account is XXXX the other one needs to be removed because it is providing inaccurate information showing a balance of XXXX when the balance is only XXXX, please remove that other account off my credit report.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a formal complaint against TransUnion regarding inaccurate items and incorrect personal information on my credit report. On XX/XX/2024, I mailed a dispute letter to TransUnion requesting an investigation into these inaccuracies. Additionally, I disputed incorrect personal information listed on my credit report. Despite providing my proof of identification, TransUnion refused to conduct the investigation, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Despite providing TransUnion with all necessary information and documentation, they have refused to conduct a proper investigation and correct the inaccuracies and incorrect personal information on my credit report. This refusal has negatively impacted my financial standing and caused undue stress and inconvenience. 

I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

I received a response from TransUnion dated XX/XX/2024, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TransUnion for its failure to comply with the FCRA. I also request that TransUnion promptly conduct a thorough investigation into the inaccuracies and incorrect personal information on my credit report, correct any errors, and provide me with a free copy of my updated report. 

I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof.
Consumer complaint received 2022-10-01
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. (MA)

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

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These above accounts have violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has REASONABLE cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

on XX/XX/XXXX I started a dispute via XXXX, with XXXXXXXX XXXX XXXX in regards to, a credit card they stated I owed {$690.00} for. However, I had never received any such card, dispute was resolved and therefore the charge was subsequently deleted from my credit report profile. 
on XX/XX/XXXX the charge of {$690.00} reappeared on my credit report under Midland Credit Management who listed the origin as XXXX XXXXXXXX XXXX, I have attempted to dispute this again via XXXX to no avail. 
XXXX XXXX XXXX dismissed the charge and removed it from my credit report in XX/XX/XXXX and in XX/XX/XXXX, nearly 8 months later it returns as a collection. If a charge is disputed and subsequently deleted they can't just resurrect it, sell it to a collection agency, and attempt to charge me with it a second time, that's no different than double jeopardy!
Consumer complaint received 2015-07-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (NY)

I did not have appropriate heading that best described my situation. I received no communication whatsoever either written or otherwise still my alleged debt was reported to credit agencies by Focus Receivables Management -FRM- ( I realized after I was denied credit ). 
FRM 's predecessor verbally promised me that they will remove the alleged debt from their record and no credit bureaus will be reported. Although written communication said that they will not pursue the alleged debt and no credit bureau was being informed then.
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (SC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: 1st Franklin Financial Corporation (LA)

I had an agreement with the attorney and company after the account was paid in full it would be removed from my credit report the account was paid in full some years ago and the account is still on my credit report. PLEASE REMOVE ASAP. Consumers have a right under the FCRA to challenge information in their files that they believe is incorrect. Consumer reporting agencies are required to investigate claims that there is inaccurate information, and when information is proven to be inaccurate, agencies must correct the mistake. 


611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in In accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address, and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

In 2017 someone used my either lost or stolen government ID to get an apartment on which they have an eviction, got medical bills in my name, utility accounts, and bank accounts. I've contacted several companies and most of their advice was to file an identity theft report first.I contacted the apartments and the debt collection agencies, and they weren't able to help me. Literally every single account open and in collections from 2017 was not me. I attached my credit report that has all of the information for more help and detail. I have filed a police report for the identity theft and have attached that as well. 

Company : NATIONAL CREDIT SYSTEM Balance : {$2500.00} Date Opened : XX/XX/2017 2017
Consumer complaint received 2022-10-01
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. (AL)

In accordance to fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A section 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 2019-12-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

XX/XX/XXXX, At XXXX XXXX, I purchased a XXXX XXXX XXXX for {$13000.00}. My trade in was rolled over {$6200.00} into new loan for a total of {$19000.00} sales price. 
{$13000.00} x 8.05 % sales tax ( XXXX my zip code ) is {$1000.00}. I was charged on my loan contract {$1100.00}. Difference {$120.00} due to me over 3 months ago. Keep in mind I have to pay interest on this. 
XXXX XXXX can not charge me sales tax on my rolled over inequity {$6200.00} into my new car loan. 
Dealer inflating price of XXXX XXXX XXXX-sales tax and {$6200.00} roll over. Dealer gave me - {$600.00} for my trade in XXXX XXXX XXXX XXXX  ( XXXX   battery died on XX/XX/XXXX. I am out the value of my trade in. 
Did XXXX XXXX overcharge me for my used XXXX XXXX XXXX? From {$13000.00} to {$19000.00}? Can they dealer that? Now I am paying interest on interest. This seems illegal. 
XXXX XXXX charged me ssales tax interest on - {$600.00} too! = {$48.00}
Consumer complaint received 2019-12-27
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)

THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I MADE, THOSE ACCOUNTS ARE REPORTING INACCURATE INFORMATION ON MY REPORT AND I WOULD LIKE FOR THOSE DEROGATORIES TO BE REMOVE. PLEASE RE-INVESTIGATE THIS MATTER AND UPDATE MY CREDIT FILE WITH THE CORECT INFORMATION.
Consumer complaint received 2022-10-01
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. (PA)

I have submitted multiple disputes to Experian regarding my Experian Consumer Credit Report due to inaccurate and potentially fraudulent accounts on my credit report. None of the disputes I have mailed in since late 2021 have been processed by Experian. So far this year, I have mailed in four ( 4 ) separate disputes. Experian has ignored all of them, in direct violation of federal law. Some of these disputes were mailed in multiple times, to no avail. I have notified my Senator about this issue and his staff will be opening an investigation into Experian 's unresponsiveness as well as the CFPB 's failure to resolve this issue when I filed a complaint about the same issue last year.
Consumer complaint received 2023-02-21
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Thrift Investment Corp. (NY)

This business is so unprofessional and rude. I call XXXX and they said the person I needed to talk to wasn't in till XXXX and that I would get a call back. I end up calling XXXX since I didn't receive a call back and they tell me the person I'm suppose to talk to left the office for the day and No one can answer a simple question and they can't help me! These people are ridiculous and never dealing with them ever again.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

My report 's list of a personal information was inaccurate. I sent it to credit bureau, asking to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2019-12-27
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)

THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I MADE, THOSE ACCOUNTS ARE REPORTING INACCURATE INFORMATION ON MY REPORT AND I WOULD LIKE FOR THOSE DEROGATORIES TO BE REMOVE. PLEASE RE-INVESTIGATE THIS MATTER AND UPDATE MY CREDIT FILE WITH THE CORECT INFORMATION.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These Inquiries do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-01
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. (NC)

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (OH)

I received an escrow analysis several months ago that is incorrect and after going through the channels by sending three emails and two letters, one to the escrow department, I can not get anyone to correct it. My payment went up by almost {$100.00} because of this error. I was very specific on where their error occurred and received no satisfaction here.
Consumer complaint received 2022-10-01
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. (ME)

After 2 investigations by the credit bureau 's, the information on my credit report is still incorrect. On the XXXX XXXX XXXX, acct # : XXXX, the close dates are incorrect. Because of this, the account listed above must be deleted. I have enclose supporting documentation.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2019-12-27
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)

Because I was a victim of identity theft, I visited the FTC website for assistance, did some research and also consulted with a trusted friend. I followed all their advice which included contacting the proper agencies ( courthouse, XXXX, FTC ) before reaching out to the credit bureaus. I filed an identity theft report, filed a police report, froze my credit bureau accounts, and reached out the the data furnishers providing the negative information. I then provided all this information to the credit bureaus. But after several attempts, I have not been able to remove the errors on my report. The bankruptcies are still reporting even though the courthouse states that they do not provide this information to credit bureaus. And I could not verify that information through the courthouse either. I am not sure why 2 bankruptcies that are not mine are still reporting on my credit. Please help!