davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-31
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)

Attached is XXXX XXXX XXXX XXXX Credit Bureau Review Request. The information requested is : The account number is XXXX as noted on top of request. I am disputing all months. The reason for dispute is XXXX  did not possess nor has ever sent proof of permissible permission to access my report for benefit of a another person. The information I am disputing is the entire tradeline. The outcome I am requesting is an investigation as mentioned in attached letter instead of claiming this is a duplicate request.
Consumer complaint received 2022-01-31
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (PA)

Merchant : Stocklabs Dates : XX/XX/2021, XX/XX/2021 Amount per date charged : {$59.00} This dispute was overturned by Goldman Sachs, as they did not review all of the evidence that I had submitted to the agent on the other end. The merchant has an online portal on which they demand that users submit requests. They are not responsive for months, and hence, the subscription keeps getting renewed. They do not leave paper trails, email, or otherwise communications encrypted within their portal. Their website is sketchy at best. This is part of the reason why I discontinued doing business with them.
Consumer complaint received 2022-01-31
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)

There is a Bankruptcy on my trans union report that is not mine Ive disputed several times and have contacted the courts and was told they did not report this. Ive contacted all parties and have got no valid confirmation as to why this exists on my report please verify or remove. Thanks.
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)

XXXX XXXX XXXX has violated my rights. This account originated with XXXX and for privacy purposes the acct number XXXX was opened XX/XX/2021 2021
Consumer complaint received 2022-06-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-01-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (PA)

Hello, I could not find where to submit a concern about banks for a review of policies period. I am not currently having an issue. 
My concern is for when I applied for a mortgage. My average credit score was XXXX. Which I thought meant an excellent credit rating. The bank told me they don't use the average and picked my lowest score to deny me the advertised lowest rate. 
I think there needs to be clear and uniform reporting on rates prior to applying for a mortgage and for ALL financial institutions. Not left to a sales person with the bank to decide what they can sell you into. A bank being able to use arbitrary means for determining the rate a customer is charged makes it impossible to properly and with due diligence shop for the best financial product to fit the customer. 
In short I believe all should be treated equally. Income, payment history, debt to income, and job history.
Consumer complaint received 2022-01-31
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

TRANSUNION continues to inaccurately report XXXX XXXX XXXX XXXX information on my credit profile. I have pointed out several inaccuracies on this account to the credit bureau. I have yet to receive a response back and I'm certain no reasonable procedures were conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. How can a disputed be resolved if no human being is actually looking at the obvious inaccuracies i continue to point out to them all. Using a computer to electronically review my dispute is unacceptable. How can they possibly resolve the disputed account if no reasonable procedure was performed? It is a violation to my rights to claim that an account has been resolved if it's not reporting 100 % accurate. TransUnion reports that the account was opened XX/XX/XXXX and XXXX reports it was open XX/XX/XXXX. Those are clearly different dates. How is it possible the account was opened on both? Also TransUnion reports the last date of activity as XX/XX/XXXX and XXXX reports it as XX/XX/XXXX. How could this be possible? Also XXXX reports the terms of repayment as 1 month and TransUnion reports as 0. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion. I want this account deleted immediately.
Consumer complaint received 2022-01-31
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. (GA)

I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY. THEY HAVE OPENED THESE FRUAUDLENT ACCOUNTS AND THEY HAVE CAUSED ME SO MUCH FINACIAL AND EMOTIONAL HARDSHIP. I AM TRYING TO BUY A HOME FOR MY KIDS, BUT I AM BEING PUNISHED BECAUSE THESE COMPANIES ALLOWED SOMEONE TO ACCESS MY INFORMATION. PLEASE INVESTIGATE THE PERSON WHO OPENED THESE ACCOUNTS PLEASE. I DONT KNOW WHAT TO DO.
Consumer complaint received 2022-01-31
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-01-31
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. (DC)

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Consumer complaint received 2022-01-31
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

TRANSUNION continues to inaccurately report XXXX information on my credit profile. I have pointed out several inaccuracies on this account to the credit bureau. I have yet to receive a response back and I'm certain no reasonable procedures were conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. How can a disputed be resolved if no human being is actually looking at the obvious inaccuracies i continue to point out to them all. Using a computer to electronically review my dispute is unacceptable. How can they possibly resolve the disputed account if no reasonable procedure was performed? It is a violation to my rights to claim that an account has been resolved if it's not reporting 100 % accurate. TransUnion reports that the account was opened XX/XX/XXXX and XXXX reports it was open XX/XX/XXXX. Those are clearly different dates. How is it possible the account was opened on both? Also in a previous letter XXXX claimed that the account charged off XX/XX/XXXX but reports that XX/XX/XXXX was the date of last payment. How could this be possible? This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion. I want this account deleted immediately.
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. (FL)

To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ), I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof.

Below is a summary of the data in which I am challenging : Summary of Public Records being challenged in list form BankruptcyXXXX ( XXXX ) - ( XXXX ) Dismissed BankruptcyXXXX ( XXXX ) - ( XXXX ) Discharged Bankruptcy TransUnion TransUnion Asset Amount : Closing Date : Court : U.S. Bankruptcy Court Date Filed/Reported : XXXX Exempt Amount : Liability : Reference # : XXXX Status : Dismissed Type : BankruptcyXXXX Bankruptcy TransUnion TransUnion Asset Amount : Closing Date : Court : U.S. Bankruptcy Court Date Filed/Reported : XXXX Exempt Amount : Liability : Reference # : XXXX Status : Discharged Type : BankruptcyXXXX XXXX Asset Amount : Closing Date : Court : U.S. Bankruptcy Court Date Filed/Reported : XXXX Exempt Amount : Liability : Reference # : XXXX Status : Dismissed Type : BankruptcyXXXX Bankruptcy XXXX Asset Amount : Closing Date : Court : U.S. Bankruptcy Court Date Filed/Reported : XXXX Exempt Amount : Liability : Reference # : XXXX Status : Discharged Type : BankruptcyXXXX XXXX Amount : Closing Date : Court : U.S. Bankruptcy Court Date Filed/Reported : XXXX Exempt Amount : Liability : Reference # : XXXX Status : Dismissed Type : BankruptcyXXXX Bankruptcy XXXX Asset Amount  : Closing Date : Court : U.S. Bankruptcy Court Date Filed/Reported : XXXX Exempt Amount : Liability : Reference # XXXX XXXX Status : Discharged Type : BankruptcyXXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 XX/XX/XXXX
Consumer complaint received 2022-01-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

On XX/XX/22 I attempted to make a purchase with XXXX flex pay. The XXXX Representative attempted to process the payment numerous times. Stating that the address did not match the billing address of the debit card I was using, therefore the orders could not be finalized. The XXXX representative then stated that the orders were cancelled. Each time that the attempt occurred the amount was being placed on hold with Bank of America which is my banking institution. I called immediately on XX/XX/22 and sopke with the BOA representative and she assured me that the funds would be immediately reversed. The funds were not reversed. Today XX/XX/22 I called and spoke with a rep by the name of XXXX. He was very argumentative. He failed to listen and told me that the funds could be held up to 6 months. After I explained that I confirmed with XXXX that the order was cancelled. The XXXX transactions are for the following amounts : {$310.00}, {$300.00}, {$300.00}. Please release my funds.
Consumer complaint received 2022-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONGRESS COLLECTION CORP (MI)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this CONGRESSCOLL ( Original Creditor : XXXX XXXX XXXX ) with the account number XXXX was reporting to be negative on XXXX XXXX I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

In XXXX we hired an attorney to handle a loan document problem and he contacted our loan servicer asking for them to sign a document and return that document to him. 
This was for an application for affidavit of affixture. 
We found later that they would not be the party to sign the document and other avenues were pursued to completion. 
Meanwhile the loan servicing company SP servicing, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX, changed our mailing address for our loan to the attorneys address. 
The letter he sent did not ask for that to be done. 
Our XXXX, 2022 and our 1098 statements all were sent to his address. 
I contacted customer service and spoke to XXXX and she indicated she would change it back. She could not tell me who made that decision to change the address. 
I also sent an email to their ombudsman department and cc 'd our attorney. 
I want this on record that their practices of doing things like this is heavily recorded with the XXXX XXXX XXXX 
When we were first transferred to them for servicing our loan, we sent additional principal and they placed it in a holding account, even though we were not late nor had ever been late. I had to call then as well to get this applied to principal. 
We do not have anything in our loan preventing prepayment of principal. So unless we had outstanding late fees, it should automatically go to that.
Consumer complaint received 2022-01-31
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: Avant Holding Company, Inc. (OH)

On XX/XX/22 I appied for a Avant credit card.It clearly states that no hard inquiry would be performed on my credit file.I check my credit report and there it was.I contacted Avant to have them remove the hard inquiry.I advised the person that I needed to speak with someone about my hard inquiry on my credit report.He asked me for my name which I gave and then my SSN number.I advised him that I would not provide it since I did not have an account with them.He then stated that he had to have it.I asked to speak with a supervisor and he said that he could not do that because I wouldn't give him my SSN.I would like the hard inquiry removed because they stated it would not be a hard inquiry and they falsely represented that and can not get it correct by them
Consumer complaint received 2022-10-02
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. (PA)

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 XXXXXX/XX/XXXX has 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 2024-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC (CA)

Company gave written instructions on how to make payments, they were followed. Company continue to provide no information regarding my payment. Have sent confirmation of payment. XXXX XXXX XXXX and money transfer. I have receipts of how I made payments. No communication from them just past due listed on profile.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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
Consumer complaint received 2022-01-31
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. (FL)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.