davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor.
Consumer complaint received 2023-02-07
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. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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 2023-02-07
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. (FL)

The credit bureaus are reporting a late payment on my credit report for the month of XX/XX/2022 on a XXXX XXXX XXXX XXXX XXXX XXXX that is not accurate at all. There should not be a late payment on my credit report because I was never late. The have no provided any valid proof and I am the only XXXX who can validate this information. I never gave them permission to furnish this information on my credit report. At the moment this is causing XXXX within my life because they are ruining my reputation. They are also in violation of my consumer rights according to the FRCA
Consumer complaint received 2024-03-11
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry XXXX XXXX - Date of inquiry : XX/XX/2022
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Both of my XXXX XXXX credit card account status is incorrect with Transunion, XXXX and XXXX. 

My XXXX XXXX XXXX XXXX status is being reported incorrectly.

Both of my XXXX XXXX XXXX XXXX  accounts are showing closed however they are open and active.

I received credit report alerts stating that my XXXX XXXX XXXX XXXX  have been closed however, that is incorrect they are open and accounts.

Reinsert both of my XXXX XXXX XXXX XXXX to an open and active status.

My XXXX XXXX XXXX XXXX status is open and active not closed. Please correct.

I have attached documents from XXXX XXXX showing both the CREDIT CARDS accounts are ACTIVE and OPEN.
Consumer complaint received 2022-12-20
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

YOUR COMPLAINT This account was not investigated properly I believe my right to a timley investigation was violated and a original signed document was never produced. 
XXXX XXXX XXXX. account. # XXXX In accordance with the fair credit act and convergent 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 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-03-15
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. (FL)

My was Credit report pulled without my Authorization, the companies are listed below, along with the dates and their phone numbers. 

XXXX XXXX XXXX XXXX - XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX XXXX XXXX  XXXX - Phone XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX Phone XXXX XXXX XXXX TransUnion - XXXX Phone XXXXXXXX XXXX XXXX TransUnion - XXXX Phone XXXX XXXX XXXX TransUnion XXXX XXXX & XXXX Phone XXXX XXXX XXXX XXXX TransUnion - XXXX Phone XXXXXXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX Phone XXXX Veterans XXXX XXXX TransUnion XXXX XXXX & XXXX Phone XXXX
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I was shopping for a mortgage during XX/XX/XXXX, XXXX XXXX, XXXX. I had a hard credit inquiry on XX/XX/XXXX and another on XX/XX/XXXX ( from two mortgage brokers ). Experian posted the hard inquiries separately on my credit report even though they were for the purpose of finding the best rate, and within 20 days of each other. The Experian website even states that the two should be only counted as one hard inquiry. I have spent considerable time on the phone with Experian, with them finely telling me yesterday that the two inquiries weren't in the same month so they weren't considered as one hard credit inquiry. That is not consistent with the FICO procedures.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Hi, My name is XXXX XXXX in which respectively I have submitted disputes to Experian and XXXX on the XXXX of XXXX and they have failed to get back to me and respond regarding my issues. XXXX fails to respond and meet my demands in which I submitted an FTC report as I had my identity compromised on the dark web and Experian has failed to send me an email update from when I reached out to them in XXXX. It has been a substantial amount of time and I contacted them via certified mail which hasn't came back about some collection accounts in my name that I want fixed and removed off my credit report that aren't mine. I am reaching out to the cfpb in the hopes of helping me to fix and address these issues as me reaching out to them has not been enough.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Debt Recovery Solutions, LLC (LA)

I took a title loan in XX/XX/XXXX and paid it on XX/XX/XXXX. About a week ago I got an alert from XXXX about being on collections. Debt Recovery Somutions DRS, XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX. I have emailed them so many times asking to remove it. I gave sent proof that the debt was paid. XXXX XXXX told me that they did not sell my account because it shows XXXX balance. DRS after seeing my documents refused to remove it. They want me to pay {$400.00} and I think this is fraud. The name of the owner is XXXX XXXX. My name is XXXX XXXX, XXXX XXXX XXXX, XXXX, La XXXX. XXXX XXXX. Reference # with DRS XXXX
Consumer complaint received 2024-03-11
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. (IL)

I believe that the compliance with FCRA 604B necessitates the elimination of erronous amounts from my credit report. Can you verify the documents? Several listed accounts contain inaccuracies, causing me discomfort.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NM)

i am requesting your help to have the items listed on the letters i attached removed from my credit report. These items include inquiries and late payments that are insisted by the credit bureaus and all have been unverified. I have been dealing with these bureaus for months already but they don't do nothin bout these.
Consumer complaint received 2022-03-15
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. (MI)

in accordance with the Fair Credit Reporting act 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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. (SC)

I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2022-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My Identity has been stolen. By whom I do not know. I signed up for credit monitoring that was offered because of the breaches. When reviewing my credit reports there were credit cards listed for Bank of America on my credit report. I called Bank of America on multiple occasions requesting information pertaining to the accounts on my credit reports. In return Bank of America send correspondence that the accounts can not be verified then resends correspondence when requested again with different account numbers. I made a police report, added a fraud alert on my credit reports. I sent Bank of America bank via certified mail which has been received and the signature card returned to me that validates that it has been received although they have done nothing to resolve this issue. Instead, I received correspondence with different account numbers. I requested the original credit applications which can not be produced. I received an email from Bank of America to call a Fraud resolution agent. I called he did not return my call, I sent an email I did not receive a response. I called today the fraud resolution at the number provided in the original letter and the call does not allow me to enter the extension to speak to the agent. I called the XXXX number for Bank of America because I do not have the full account number for the credit cards opened using my name I am unable to speak to someone. The automated recording hangs up. I am attaching documents to validate I am a victim of Identity theft, Bank of America has done nothing to assist me in resolving this issue except change account numbers and report information that is not mine, inaccurate to all three credit reporting agencies. This is identity theft that is a serious matter and Bank of America continues to ignore the issue. I am a victim of identity theft. Bank of America continues to ignore this serious situation, has not provided the credit applications for ALL the numbers pertaining to the correspondence I have received. Instead, the numbers are consistently changed and reported to the credit reporting agency that is inaccurate. Bank of America has tarnished not only my credit and now is affecting my health. Bank of America is trying to cover this up and is reporting false information. 

ON XX/XX/2022 I received correspondence from Bank of America Resolution support team. The number to reach the resolution team is not an active number although a number for promotions. See Attached ENOUGH IS ENOUGH WITH THE HARASSMENT AND GAMES- THE CORRESPONDENCE RECEIVED NO ONE CAN BE REACHED AND THIS IS AN ONGOING ISSUE AND HAS BEEN FOR OVER A YEAR.
Consumer complaint received 2022-10-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (OH)

My home loan was refinanced through Mr.Cooper. Your agency allowed Mr. Cooper and their representative to supply a false response. You closed my complaint without an investigation. I need for you to reopen the complaint and do a more in-depth look into the mishandling of my social security number by factual data personnel at Mr. Cooper, the deflation of appraisal representative ( l do have a witness of the individual being late, rushing through the process, l emailed Mr. Cooper personnel no remedy given ) of my home, the financial abuse to elderly clients ( l am a senior citizen ), and Mr. Cooper never supplied any remedy or response to my emails to personnel.
Consumer complaint received 2023-04-05
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: AMERICAN EXPRESS COMPANY (NJ)

There were a number on unauthorized inquiries on my credit report dated XXXX XXXX XXXX, XXXX XXXX XXXX and XX/XX/2023 2023
Consumer complaint received 2023-03-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, Indiana XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative information on my credit report related to the accounts listed below : XXXX XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX - Collection Account Portfolio XXXX - Late Payment AccounXXXX XXXX XXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXX - Charge Off Account XXXX XXXX XXXX - Charge Off Account XXXX XXXX - Charge Off Account XXXX XXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - Collection Account XXXX XXXX XXXX XXXX and XXXX by the presence of these derogatory marks on my credit report. I have worked hard to maintain a good credit score and this negative information is unjust and unwarranted. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure that all information on a credit report is accurate and up-to-date. However, the information on my credit report is not accurate and I am requesting that it be corrected. 

I request that you investigate the accounts listed above and provide me with documentation to support the negative information reported. If you can not provide such documentation, I demand that you remove the negative marks from my credit report immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-03-15
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: Experian Information Solutions Inc. (FL)

My was Credit report pulled without my Authorization, the companies are listed below, along with the dates and their phone numbers. 

XXXX XXXX XXXX Experian - XXXX Phone XXXXXXXX XXXX XXXX  Experian - XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX Phone XXXX XXXX - Experian - XXXX - Phone XXXX XXXX  XXXX XXXX - Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Phone XXXX XXXX XXXX XXXX - XXXX Phone XXXX XXXX XXXX  XXXX XXXX XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX Phone XXXX XXXX XXXX XXXX XXXX - XXXX Phone XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXX Phone XXXX
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NM)

i am requesting your help to have the items listed on the letters i attached removed from my credit report. These items include inquiries and late payments that are insisted by the credit bureaus and all have been unverified. I have been dealing with these bureaus for months already but they don't do nothin bout these.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hi, My name is XXXX XXXX in which respectively I have submitted disputes to XXXX and Transition on the XXXX of XXXX and they have failed to get back to me and respond regarding my issues. Transunion fails to respond and meet my demands in which I submitted an FTC report as I had my identity compromised on the dark web and XXXX has failed to send me an email update from when I reached out to them in XXXX. It has been a substantial amount of time and I contacted them via certified mail which hasn't came back about some collection accounts in my name that I want fixed and removed off my credit report that aren't mine. I am reaching out to the cfpb in the hopes of helping me to fix and address these issues as me reaching out to them has not been enough.
Consumer complaint received 2022-03-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: E Mortgage Capital, Inc. (CA)

I was locked into a 3.875 % rate for my loan on a second home I am purchasing, with a close of escrow at XX/XX/2022. The lender updated me that my loan did not meet QM compliance and that because of XXXX XXXX Guidance, they have to change my rate to 4.625 %, and that I would have to pay points towards that rate. I am attaching a copy of the loan information and disclosure that I am seeing.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (ME)

I have tried to get this incorrect status of late and repossession removed from my credit report. XXXX XXXX is reporting late and repossession on my credit report in 2017 and this is inaccurate. 

Also Experian is incorrectly reporting an XXXX XXXX XXXX that does not belong to me. 

Please remove unauthorized inquiries from my credit report : 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 2022-12-20
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: Experian Information Solutions Inc. (CA)

I the consumer have inquires that are unauthorized and has been furnished without my consent. This is a direct violation of 15 U.S. Code 1681b ( C ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I let both credit companies know this over the phone and they didn't complete their jobs. The credit companies are Experian, XXXX and XXXX.