davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
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. (TX)

There is a person with a similar name to mine who I have had issues with in the past 10 years a few times. The person with the sae name has opened multiple accounts under the same name but the credit bureaus are mixing up files and putting the accounts that belong to him on my report instead of his. The account im referring to is a vehicle loan for over {$32000.00} that does not belong to me. I have reached out to the company directly to try and resolve the issue but it seems they cant give me any information because i dont have the exact info as the identity XXXX. 



I would like this account immediately removed form my credit report. I am trying to purchase a home but they keep informaing me with that auto loan that is not mine I cant move forward. This is really stressful and its not right. Please help me resolve this issue as the credit bureau is not helping at all. I have attached copies of the police department as well.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Let me explain my circumstances. 
I have a low 700s Fico credit score on all 3 bureaus, it never goes above XXXX on all bureaus. 
All my accounts are current and have never been late. I have a perfect revolving payment history, and a perfect installment mortgage loan. 
Zero Inquires on Experian, 1 Inquiry on XXXX, 2 inquires on XXXX. My credit age goes back to XXXX, with a 4 % overall credit utilization. 
This all can be verified through the platform http : //www.experian.com. With all that being my credit score should be in the 800s. Minimally high 700s. XXXX XXXX XXXX  which uses a vantage score has me in the 800s. XXXX XXXX however is not the source mortgage companies ; auto dealerships and bank lenders use. They all use the trusted, more accurate fico system. 
My credit score never rises above 700s, and I just recently found out why when applying for a business line of credit and an auto loan and to my surprise was declined for both by primary lenders. I was forced to take a 16 % subprime auto loan, which is insane with my credit profile and score. 
in the http : //www.experian.com and XXXX platforms there is a section in http : //www.experian.com called " key factors ''. in the key factors and " additional scores '' section the langue used in both sections in bold red pertaining to my credit profile is below and the exact language used in the decline. Somehow this erroneous information is incorrect, somehow in my credit profile, and preventing me from getting and type of funding. This is also the reason why my credit score will not go above XXXX on none of the bureaus.
Consumer complaint received 2023-10-22
Product: Credit reporting 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. (NJ)

I am requesting these inquiries be removed from my Equifax Credit Report XXXX XXXX XXXX - XX/XX/XXXX The ran my credit, and I told them not to run it. I called and made a complaint. They stated they were going to remove it, but no one has called me back. I would like this removed. 

XXXX - XX/XX/XXXX They ran my credit, and it showed up as a inquiry. I did not agree to this, and would like this removed. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize this. A inquiry was made, and I would like it removed. 

XXXX - XX/XX/XXXX and XX/XX/XXXX This company did a inquiry within a two week period. I did not approve this. I would like both of these removed. This being done twice is a mistake on their part. 

XXXX - XX/XX/XXXX I have no idea what this is, and requesting this inquiry to be removed. 

XXXX - XX/XX/XXXX Again, XXXX is running my credit. I would like this inquiry to be removed from my credit report.
Consumer complaint received 2024-02-20
Product: Credit reporting 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. (NV)

I received a copy of my credit report and noticed some hard inquiries that I dont recognize. 

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 2023-03-14
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: ERC (PA)

In accordance with the fair credit Reporting act XXXX 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

XXXX
Consumer complaint received 2023-03-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NVR INC. (PA)

My complaint involves acts of mortgage fraud. I am showing that NVR mortgage did not following proper guidelines established by FHA regulations. 

The following attachments are : Timeline : A description of events that took place during my mortgage process XXXX XXXX : All communication involving my mortgage NVR Documents : All documentation that I received for NVR MortgageXXXX XXXX XXXX XXXX Purchase Agreement : Purchase Agreement for XXXX XXXX Please be aware as of XX/XX/2023, this property has been sold.
Consumer complaint received 2023-10-22
Product: Credit 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: JPMORGAN CHASE & CO. (TX)

Wallet came up missing and resurfaced after a few days then I got the bills from chase banking, credit one and premier credit all over drafted adding up to about XXXX dollars. Mainly hurt my credit which I have been diligently trying to rebuild.
Consumer complaint received 2017-02-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Eastern Account Systems of Connecticut, Inc. (AR)

Collection Company Name : EASTERNACCOS reported to XXXX that I did not paid {$220.00} XXXX. I have called XXXX to send me the invoice or what is the charge. Customer service not able to explain or not able to send me the invoice.Please help me.
Consumer complaint received 2023-07-28
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. (FL)

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 : account # XXXX XXXX XXXX XXXX : account # XXXX XXXX XXXX XXXX : account # XXXX These collection agencies have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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. 

632 of the FCRA
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-05-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (GA)

Ally Financial was sued in a class action lawsuit regarding repossessions. My debt to them for an auto loan was XXXX as a result, and I received a letter as well as about {$50.00} settlement amount. XXXX XXXX XXXX XXXX XXXX is attempting to currently collect the debt that was settled in the class action lawsuit against Ally Financial and has already been removed from my credit report. I called them to bring this to their attention, and they hung up on me.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (SC)

On, or around XX/XX/2022, my grandfather ( Upwards of XXXX yrs of age ) started receiving phone calls at XXXX EST regarding a debt that does not belong to him. He Has been recovering from XXXX and has other medical issues. I have since called the company and have given them all of the correct contact information. I have also requested multiple times to have his number removed and to stop calling his phone number. They continue to call every single day starting at XXXX am EST.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Very XXXX Wells Fargo charge me for overdraft fee even when I bring my account to even balance the charge me again with overdraft fee and my account get negative again XXXX XXXX XXXX XXXX the charge me overdraft And also there was an account keep charging me for over XXXX XXXX and i couldnt see the charge on my statements I find out this when I open a fitness account from other state they told me there another Account another your name when I called them they said to me that we charge you every XXXX XXXX XXXX XXXX XXXX now and you dont know it I told them this account I close it why they charge me, the problem was fitness kept getting there fee out of my account but the fee wasnt appear to my bank statements such this I dont know how many more stuff charging the account and not appear in banks statements
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Iowa XXXX Re : Urgent Rectification Required : Discrepancy in Credit Reporting with TransUnion To Whom It May Concern, I wish to express my unequivocal concern and dissatisfaction regarding an incorrect derogatory entry on my credit report, as documented by TransUnion. Possessing an in-depth knowledge of the Fair Credit Reporting Act ( FCRA ), I insist that this discrepancy be addressed immediately. 

On XX/XX/2022, Destiny wrongly reported a late payment on my account, numbered XXXX This notation, as conveyed to TransUnion, starkly conflicts with my personal records and infringes upon my rights under 15 U.S.C. 1681m ( a ) as I received no mandated notice of this adverse information.

Drawing upon 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), I now demand, not request, an immediate investigation into this egregious error. If you can not validate this derogatory entry within the statutory 30-day period, I expect without delay its complete removal from my TransUnion credit report. Anything less would be a blatant disregard for the regulations that govern your operations.

Furthermore, during the course of this investigation, any and all references to this dubious entry on my TransUnion report should be amended to " paid as agreed. '' This provisional action is not only logical but essential to shield my reputation from unwarranted damage.

Enclosed, you'll find the contested segment of my TransUnion credit report. I suggest you treat this as priority.

The importance of accurate credit reporting can not be over emphasized. Understand this : I am prepared to take every necessary action to ensure my rights under the FCRA are staunchly defended. The onus now rests on you to promptly rectify this issue with TransUnion. 

Your immediate attention and decisive action are not only anticipated but demanded. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Enclosure XXXX TransUnion credit report segment dated XXXX
Consumer complaint received 2022-04-22
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. (MI)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 


XXXX Account : XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account : XXXX XXXX Account : XXXX
Consumer complaint received 2016-05-09
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION (FL)

When I opened an account with Regions Bank the put me in an " opt In '' status without asking me. Opt in means that the keep paying your debit charges even though you have no overdraft protection. As with a normal debit card it will refuse the charge if there re insufficient funds, they call this " opt out '' which should be the default like all debit cards. Now I have accumulated XXXX in NSF charges. They did not give me a choice as to " opt in '' or " opt out ''. why would anyone chose to pay a XXXX overdraft fee for a XXXX debt charge. They are a rip off.
Consumer complaint received 2016-06-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Weinstein & Riley, P.S. (TX)

I have never had a business relationship with the creditor. Collector filed a law suit, for which I did not receive written notifications to appear in court to defend myself. The collector sent notifications to a previous address I no longer have access to and compromised my privacy. The collector obtained a court order to freeze my bank accounts by misrepresenting the facts. The lack of access to my bank accounts has created a hardship causing me to default on my daily commitments ; both personal and in my business due to lack of access to my bank accounts. This type of harrasment has created excessive stress and has disrupted my job, which is the only way I have to support my family.
Consumer complaint received 2017-01-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (SC)

Reporting on my credit reports and they have removed the account and then added it back a few weeks later. They have been unable to verify any information. They agree to delete and then I see they put it on there again. And I dispute again and again ...
Consumer complaint received 2023-07-28
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. (IN)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX , IL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$6400.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX.
Consumer complaint received 2022-01-09
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: JPMORGAN CHASE & CO. (CA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 

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 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Equifax is violating my FCRA rights. I have submitted several disputes on some fraudulent accounts on my credit file, and they keep on not doing their jobs properly. I requested for XXXX to delete these fraudulent accounts XXXX XXXX  ( CLOSED ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Account Number XXXX XXXX Account number : XXXX XXXXXXXX XXXX XXXX  ( CLOSED ) Account Number XXXX XXXX XXXX ( CLOSED ) : Account number : XXXX XXXXXXXX XXXX XXXX XXXX  : Account number : XXXX And I was told that these accounts are verified as accurate. I did dispute these accounts directly with the companies and i received a letter saying they are investigating, and I should hear them soon, but somehow the credit betray has already concluded their investigation, and are verifying as accurate. I am using my FCRA section 609 rights to ask for original signed contracts with these accounts, because I know I did not sign a contract with any of these companies. I have mailed a letter regarding this concern to XXXX already, and I am uploading the copies on here as proof. 

These are fraudulent accounts, I XXXX XXXX did not sign any contracts with these companies. I would a fair, and proper investigation done and these accounts deleted right away. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised i am also requesting the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.