davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

First and foremost I am the consumer. A natural person, allegedly obligated to pay a debt according to 15 USC 1692a ( 3 ). 

Account # XXXX and Account # XXXX are showing on my consumer credit reports as a charge-off. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. As it stands, I have not received a copy of this form. Remove this information from my consumer reports immediately.

My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumer 's informed use of credit. At this time this alleged consumer credit transaction was entered on XX/XX/2023. I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to your Company lack of disclosure and your unfair, deceptive, and misleading practices. 

What I am demanding right now is that you guys delete both Account # XXXX and Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was tricked into paying a monthly change to Transunion starting in XX/XX/2000. I received no goods or services for this money. My exact situation is described in this CFPB article : https : //www.consumerfinance.govXXXX I assume this is from trying to get my free credit report, as this started at the same time I arranged for actual credit monitoring from XXXX. XXXX has a free version that sends me emails regarding my credit score. The paid version of Transunion I allegedly had sent me no emails, I presume to avoid telling me I was paying them. 
All their toll free numbers divert to a text exchange, where an entity claiming to be human tells me how important I am to them and eventually drops the exchange. When I called and yelled Agent! Human! instead of responding to the menu, I got someone on the phone. I explained the problem, he said he would transfer me to someone, and to call a number if the call was dropped. 
Will that send me to the same answering system? 
Yes. 
Would that take an hour to get someone like you who cant help? No straight answer. 
A few days later I got someone on the phone again, and told them I needed to access my account to use the services, without mentioning I was getting ripped off or wanted the charges to stop. This time he got me into my account online, so I dropped the service. 
I want my money back! Thats 40 months, a XXXX dollars. I dont believe dealing with their system will get me results. Thank you.
Consumer complaint received 2023-02-08
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. (IN)

According to the laws USC 1681 and USC 1681s2 my rights were violated by this company. The law states that I have a right to privacy and did not give permission to have this put on my credit report. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
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. (FL)

In accordance with the Fair Credit Reporting act XXXX these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX has all 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 an 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 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (OH)

I have sent multiple letters to Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to validate several accounts being reported on my credit report and to provide me with copies of any documentation associated with these accounts, bearing my signature and that I formally request that this information be immediately deleted from my credit file under my Social Security number. I have also sent multiple Failure to Investigate letters with nothing being verified. 

The credit reporting agency claim the accounts were verified but did not furnish proof, these laws were violated 15 USC 1681s -2 ( b ) and 1692 ( g ). I also stated in my letter I do not consent to e-Oscar or any means of automated verification. 

They continue to update the credit file with continued negative information under my Social Security number. They have violated my privacy, I can not move nor can I apply for another job with this negative information being reported. 

The credit bureau has violated my rights by not properly investigating my dispute. I have not given them permission to put anything on my report. I want these accounts deleted from the credit file they maintain under my Social Security number. 

These are the accounts I have previously disputed : XXXX  XXXX XXXX Acct # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX Bank # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX
Consumer complaint received 2023-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (VA)

I have a mortgage with Selene Finance that was acquired from XXXX  XXXX XXXX. The loan was in forbearance during covid. When the loan came out of forbearance, Selene forced me to pay all outstanding payment by threatening foreclosure. I paid the reinstatement quote in XXXX of 2022 and they informed me that I was paid up to date. When the loan restarted the payment amount had doubled. When I questioned the amount they refused to give me a breakdown and reason. The payment amount changed every 3 three months. I refused to pay without a itemized breakdown so they threatened foreclosure again. I asked by email for 4 months for an audit itemized deduction of my account and they have refused to this point. I questioned the first reinstatement when I saw that the escrow amount was {$15000.00} for a period of 2 and a half years when the yearly taxes are only {$3100.00} a year. Selene calls me weekly harassing me about my payment when it is late. I can not get any help from this company at all. Every representative there is a liar and I have been promised reimbursement checks several times for charges that I have found and proved to be incorrect. They took upon themselves to apply mischarged funds to the principal when I proved them wrong.
Consumer complaint received 2023-02-08
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. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Self Financial Inc. (MI)

My name is XXXX XXXX, Account number : XXXX Loan : XXXX CD : XXXX Issuing bank XXXX XXXX XXXXXXXX. 
Estimated Payout : {$520.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI, XXXX Social Security Number : XXXX Since XX/XX/2023, My self credit builder account has been closed and after submitting documents required by self to verify my identity they have still been reviewing my account for over a month now, although my payout should have been sent to be by XX/XX/ 2023. 
I have contacted Self several times through email and have also called customer support, when emailing them I get the same message claiming that they can not tell me how long the review process will take and will not let me know if there is any further documentation or verification I can submit. When I call customer support I am told that the department that handles the reviews is not available to talk on the phone at all and will not be taking calls in the future whatsoever. 
I have done everything on my end to get my money released back to me but to no avail. 
If there is any way I can get any further help with this issue please let me know
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 
Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XX/XX/23 spoke to XXXX at Experian at ( XXXX ) XXXX and informed they were reporting two accounts that were not mine, confirmed by XXXX at XXXX XXXX ( XXXX ) XXXX, who searched for other accounts outside of my singular credit line with XXXX XXXX and was not able to find other accounts. 

The Experian application and reports reflect the following accounts and balances that do not belong to me, which XXXX was informed of as well : 1 ) XXXX  XXXX : account : XXXX balance {$3700.00} 2 ) XXXX XXXX : account : XXXX balance {$5700.00}. XXXX instructed my to file a new FTC report for the these two accounts due the the reports not being specifically addressed in a prior FTC report # XXXX regarding identity theft. 

I also provided XXXX with name variations and addresses that are fraudulent. The names were XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The following addresses were provided as fraudulent : XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  SC XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX, and XXXX XXXX XXXX XXXX, SC XXXX. I also provided XXXX with my initial FTC report # XXXX, related to this same individual fraudulently using my social security number to obtain credit and healthcare services at XXXX XXXX XXXX XXXX XXXX 

I will be forwarding this report and prior reports to Experian as proof of filing reports to the government.
Consumer complaint received 2023-02-08
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. (GA)

Account XXXX XXXX XXXXHas violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

As of today, XX/XX/2024, my credit report shows my balance as {$30000.00}. 

The correct balance is {$29000.00}. 

The incorrect reporting is causing my credit to be lowered significantly. 

The Fair Credit Reporting Act states in 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

Update my balance.
Consumer complaint received 2023-03-14
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. (TX)

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 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 2020-06-08
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. (LA)

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX, Transunion & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Consumer complaint received 2023-02-08
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. (GA)

Account XXXX XXXX XXXX XXXX Has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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
Consumer complaint received 2023-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I received a letter in the mail stating I owed {$1200.00} from XXXX XXXX XXXX XXXX of which I have never had an account ever in my life. Portfolio Recovery Associates , LLC tried to collect my social security number without providing any information on the debt. I have a credit report that states no collection or debts from XXXX XXXX.
Consumer complaint received 2023-02-08
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)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, # 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 # XXXX ( XXXX ). Asset Amount is= XXXX XXXX  XXXX # XXXX ( XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-23
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. (TN)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2023-08-21
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: CORELOGIC INC (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Has Violated my rights. 1. Account Name : XXXX XXXX  / Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX. Account Name : XXXX Account XXXX : # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting 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 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (UT)

In accordance with the Fair Credit Repoorting Actthis creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kentucky Higher Education Assistance Authority (TN)

I've requested assistance with all three bureaus XXXX, XXXX, and XXXX XXXX credit reporting agencies ( CRA ) and their subsidiaries as well as KHESLC. I reached out numerous times in XXXX and 3 times this year, each time my credit score continues to decrease. I sent letters and called, which is a daunting task to say the least. My credit score went from XXXX to XXXX in XXXX and continues to fluctuate substantially. The CRA continues to report late payments when student loans are deferred or in forbearance. The voluntary dismissed bankruptcy is in error as well. I never had a XXXX  account, a few other accounts are also invalid. I have requested to dispute old and erroneous addresses and personal information. I don't use alias names and these items are also incorrect. 
Please advise