davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
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)

I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-04-13
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 

Last XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2023-03-07
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. (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 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Dept of ED XXXX XXXX Dept of ED XXXX XXXX Dept of ED 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 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (UT)

XXXX, Experian, XXXX are confirming the information their reporting are correct this is violation I am deeply disturbed by your ability to undermine my confidence in the banking system. The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report ; Experian acc # XXXX XXXX dispute resolved - consumer disagrees. Debt included in or discharged through Bankruptcy XXXX XXXX. XXXX XXXX XXXX Debt included in or discharged through Bankruptcy XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX Debt included in or discharged through Bankruptcy XXXX  XXXX. ( XXXX Acct # XXXX  XXXX Account involved in XXXX  XXXX debt adj. Auto Included in XXXX XXXX XXXX ( XXXX XXXX XXXX  XXXX ; dispute resolved/ consumer disagrees/ These accounts aren't supposed to be showing negative. These accounts should be deleted since their part of my Bankruptcy. Pursuant to 15USC1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. For damages I am invoking my rights as a consumer pursuant 15USC1681 ( n ) civil liability and I demand compensation for every violation listed below ; 1. Permissible purpose {$1000.00} 2. Defamation of character {$1000.00} 3. Damaged reputation {$1000.00} 4. Damaged credit worthiness {$1000.00} 5. Damaged mode of living {$1000.00} 6. Infringed on right to privacy {$1000.00} Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete these accounts from my consumer report and all your systems.
Consumer complaint received 2021-01-08
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. (CA)

Ive filed a dispute in regards of the incorrect information on my credit report. It has well been over 30 days and yet havant received any status of investigation or results.
Consumer complaint received 2023-03-07
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 XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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 2021-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC (IL)

Hi- not sure if you can help or if i even have the right department. yesterday XX/XX/21 i went online and gave a down payment for a puppy which I should have investigated more before sending my payment thru Zelle. i called my bank but because zelle already process the payment now its up to the scammer bank to refund me the money if they even do so.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (SC)

On XX/XX/XXXX I was denied an apartment due to an eviction. I was denied again XX/XX/XXXX for the same reasons. My XXXX XXXX report has no evictions and the only eviction on my credit report was removed XX/XX/XXXX. I have paid a total of XXXX in application fees just to be denied through AM rentXXXX
Consumer complaint received 2020-12-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX names not mine DEPT OF EDUCATION/XXXX Account XXXX Account TypeEducation ResponsibilityIndividual Date XXXX StatusOpen. 
Status UpdatedMar 2020 all student loans never late fcra violations XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXX XXXX XXXXDispute showing all late payment attach are the creditor wrong addresses they provided to the credit bureaus by law i have the right to pay on time fair debt collection practice that i have an opportunity to pay it on time
Consumer complaint received 2023-03-06
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. (NV)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-02-27
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. (OH)

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.

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 2021-10-13
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. (RI)

XXXX XXXX  servicing placed my mortgage ( Loan Number XXXX ) in a COVID-19 hardship forbearance. I called the company and informed that i was willing and able to resume making payments to my account. They took my account out of forbearance ; however, the payment amount they gave me was about {$1000.00} higher than before. This was due to the fact that XXXX over payed my property taxes by {$5800.00}. This was a mistake on the company 's behalf. My loss mitigation agent, XXXX XXXX informed me that she would place my account on an extended forbearance to allow my town to refund XXXX any moneys owed and they could credit this back to my escrow account, then give me an accurate payment amount. The agent indicated that since the account would be placed a forbearance i should not make payments, at least until we have an accurate payment amount. While my account was supposed to be on a forbearance it seems this was not done and therefore the company introduced a derogatory remark on my credit report stating that XXXX payment for XX/XX/2021. Had i known that the payment was due i would've made the payment since i have excellent payment history with this and many other accounts. My agent indicated that my first payment after the forbearance was in XX/XX/XXXX of XXXX. I was only following all of the instructions provided by my loss mitigation agent. I have attached all proof of communications between myself and the loss mitigation agent for your review. Furthermore, my loss mitigation agent no longer works with the company and could not help on this matter.
Consumer complaint received 2021-10-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Army and Air Force Exchange Service (IN)

XXXX XXXX XXXX contacted my employer and i have attached the document my employer forwarded to me ( wage garnishment ) for about {$290.00}. After that garnishment took place, XXXX XXXX sent me another Collections notice ( which i have attached ) for {$10.00}. How could this be when the previous garnishment was {$290.00} and this collections notice states the previous balance was {$250.00}? 

This is fraud and I can not afford to have them contact my employer again and whatever this collections notice is for it should not apply to my account as they garnished {$290.00}. 

I would also like them to remove any negative entries with all bureaus as there are bureaus outside of the big 3 that most people do not know about, however, XXXX XXXX does report to them!!
Consumer complaint received 2021-10-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

It appears that my mortgage company Select Portfolio Servicing , Inc is trying to make more money by foreclosing on my property than modifying it. They fail to include how many months can be deferred with me being less than 12 months behind. They are not considering a global pandemic is the main reason for my hardship. I lost employment, got sick afterwards and had an XXXX  done, and last but not least my husband XXXX XXXX XXXX divorced me right after the XXXX. This time I am getting back to walking and trying to do things for myself all over again.
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (WI)

Fortiva credit card uses deceptive practices when assessing late fees. If you make a payment on your due date but it happens to fall on a weekend or holiday the payment doesnt count and a fee is assessed. The same goes with their payment cut off times ; payments purposely do not post and fees are assessed.
Consumer complaint received 2023-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (OH)

I have currently tried on multiple occasions to contact mortgage company with no success. I have asked to not be on forebearence as well as to take off mortgage and hazard Insurance as i have provided documents through email and fax through western reserve. I have not been able to contact due to them ending my call when being transferred. I am asking Amerihome mortgage XXXX to take off mortgage insurance and no forbearance on our loan.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

On numerous occasions I have sent my social security card and drivers license to all three CRA 's and old address still re-appear. I have informed them to please remove all other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2024-02-27
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. (NM)

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.

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 2022-10-31
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: EQUIFAX, INC. (FL)

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. Also, 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.

1. 
XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, GA XXXX ( XXXX ) XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. 
Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX XXXX. 
Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. 
Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX. 
Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX. 
XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. 
Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX. 
Opened : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX ( THESE ACCOUNTS 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 2020-07-10
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. (TN)

XXXX, Experian and XXXX are allowing XXXX XXXX to report a Bankruptcy in which the Federal Bankruptcy Court is not reporting. I do not have an account with XXXX XXXX or a contract. The federal bankruptcy court is not verifying my personal info to XXXX XXXX and it is illegal for a third part to report of verify such information in which they were not a party to. 

The same three credit bureaus is further violating my constitutional rights by allowing XXXX XXXX to report a civil judgment from the XXXX County Tennessee Court that is marked satisfied. I do not have an account with XXXX XXXX and they are reporting a collection of {$4900.00} when the court has marked the judgment satisfied. This is a violation of the Fair Credit Reporting Act. 

The same three credit bureaus is again violating my constitutional rights by allowing the Tennessee Dept. of Human Services to report a civil judgment from the State of Texas. They have been incorrectly reporting and will not allow me a hearing for the negative reporting. State law forbids adverse credit reporting without the opportunity of a hearing. They have removed {$13000.00} from my credit, but should not allowed to report anything that was not entered by the State of Texas. Moreorver, the state law only allows them to report on  accounts that are over {$1000.00} past due. I am not past due on an agreed upon judgment in Texas.
Consumer complaint received 2017-09-11
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: EQUIFAX, INC. (IA)

My information was leaked in the Equifax hack. Not only was it leaked in a bank that could be accessed in bulk ( Security was far too lax in this regard ) but the company steered me off after I found out that I was affected in their check by getting me to enroll in something that makes it so I ca n't be a part of the lawsuit ensuing. 

I get that the company is a victim as well, that is unfortunate, but it should own up to it 's mistakes. Not try and exacerbate the issues people have.