davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-14
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. (DC)

I am in the process of getting a house and I have found several violations on my credit report by the credit agencies. It is my understanding that I should have been contacted within 30 days of resolution to my letters that I have sent to the credit bureaus. It has been over 60 days and I have still not been contacted. The violations that I am a victim of are affecting my personal life and goals and I demand the violations be deleted from my report.
Consumer complaint received 2023-09-07
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Bankruptcy XXXX  XXXX Reference number : XXXX and Bankruptcy XXXX XXXX Reference number : XXXX
Consumer complaint received 2022-10-08
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: EQUIFAX, INC. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-14
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. (WI)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-06-14
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. (NY)

I am a victim of identity theft as I have notified Transunion already. I XXXX XXXX  Give authorization to TransUnion to proceed with my claim of Mortgage fraud, as per Transunion request.
Consumer complaint received 2021-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On or about XX/XX/21 there was a collection account added to my credit report. So I immediately disputed the item to the two credit agencies that they were on. XXXX  updated and removed the item in two days, since I sent them the proof of payment. 
The same day I submitted a dispute with Transunion, and uploaded the same information I sent to XXXX. Every few days I would check on the status of the dispute, it will always say in process and it will take about 30 days to complete. Today I login to Transunion to check for the status and its gone, just disappeared and had to file a whole new dispute again and start over from the beginning. I feel like I shouldnt have to wait another 30 days for this to be resolved since they are the ones who made the mistake. I was looking to make a large purchase but have been stuck now waiting on Transunion, XXXX  fixed it ASAP why cant Transunion.
Consumer complaint received 2022-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (NC)

On XX/XX/XXXX I entered into a loan agreement with XXXX XXXX XXXX XXXX XXXX. As part of this loan it was mutaully agreed once the principle hit 80 % of the loan or below ( see attached PMI Disclosure signed by all parties marked as exhibit A ). The PMI would be cancelled upon request and verification of the Value. ( See PMI Removal information request sheet marked as exhibit B ) and the ( Appraisal work sheet showing an appriased value of {$400000.00} thousand dollars marked as exhibit C ). Note all I needed was {$390000.00} value according to Arvest Central Mortgage inital responce. ( attached as exhibit B ). 

On XX/XX/2022 I was denied PMI removal ( see attached exhibit D ) Arvest moved the criteria without a mutual agreement. Note now they want 75 % principle. This is in best case unfair and in the worst case fraudulent and preditory in nature. I would like Arvest to honnor the agreement I made with XXXX home Mortgages as they have agreed to service the loan with the same terms and conditions. 

Please Feel free the ask for anything else you need.
Consumer complaint received 2022-07-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Hi XXXX XXXX XXXX my Last 4 SSN # is XXXX. I am just trying to make a follow up on the letter that I sent to you on XX/XX/2022, I was expecting to get a response but I havent. I am attaching a copy of the letter that I sent to you last time hoping you would take action and investigate this issues on my report.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC (NJ)

Didn't recieve enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested Transworld Systems INC to provide verification according the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification with an original signed consumer contract to which they have repeatedly responded with nothing more than a statement that shows a balance of {$1600.00}. Not what they are required by law to use to legally verify a debt.They continue to be in violation of section 611 non-compliance and have caused severe damage by contuing to report to the 3 credit  agencies.
Consumer complaint received 2022-03-21
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: SYNCHRONY FINANCIAL (SC)

I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm = physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, elsewise delete the alleged inquiries
Consumer complaint received 2020-02-14
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: Experian Information Solutions Inc. (NY)

After reviewing my most recent credit report. XXXX XXXX, XXXX  and Experian currently reports multiple inaccuracies and unverifiable information onto my credit profile without permissible cause. 

The following inquiries are inaccurate and unverifiable : 1 ) XXXX XXXX- Date reported- XX/XX/2019 ; reporting without any permissible cause, no credit has been extended. Please remove this account at once 2 ) XXXX date reported- XX/XX/2019 ; reporting without permissible cause, no credit has been extended. please remove account at once. 

3 ) XXXX XXXX  XXXX- Date reported, XX/XX/2019 : reporting without permissible cause ; no credit or loan has been extended. Please remove this account. 

XXXX- date reported XX/XX/2019 ; reporting without permissible cause ; no credit line or loan has been extended. Please remove this account.
Consumer complaint received 2019-06-19
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. (CA)

Disputed an old record on my Experian account, from a separation/divorce. Account was from 1996, a total of {$2900.00}. This was on my account as resolved. I sent in a dispute to get it removed, as its the ONLY negative record on my account. After the investigation, which resolved NOTHING, Experian dropped my credit score 36 points for a closed/resolved account! All I wanted to do is get an old record off. 
Unacceptable automated responses, and nothing more. 

VERY UNHAPPY, as this is the only negative item on my account and it was resolved/closed years ago!
Consumer complaint received 2020-02-14
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: EQUIFAX, INC. (NY)

After reviewing my most recent credit report. XXXX XXXX, Equifax and XXXX  currently reports multiple inaccuracies and unverifiable information onto my credit profile without permissible cause. 

The following inquiries are inaccurate and unverifiable : 1 ) XXXX XXXX- Date reported- XX/XX/2019 ; reporting without any permissible cause, no credit has been extended. Please remove this account at once 2 ) XXXX date reported- XX/XX/2019 ; reporting without permissible cause, no credit has been extended. please remove account at once. 

3 ) XXXX XXXX  XXXX- Date reported, XX/XX/2019 : reporting without permissible cause ; no credit or loan has been extended. Please remove this account. 

XXXX- date reported XX/XX/2019 ; reporting without permissible cause ; no credit line or loan has been extended. Please remove this account.
Consumer complaint received 2018-05-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Knight Adjustment Bureau (UT)

I purchased a vehicle with my husband in XX/XX/2012 from XXXX XXXX XXXX/XXXX XXXX. At the time it was purchased it spent 2 of the 3 months in their shop due to issues with it. When I finally had enough I was told to surrender the car and that I would not be responsible for the remainder of the debt. I begin driving to the location to surrender the vehicle and the transmission went out. I told them such. they sent a tow truck who I lead to the car and surrender it to them. I heard nothing else. XXXX XXXX XXXX has gone out of business and the owner has reopened under a new name. I heard nothing further regarding the vehicle per our agreement until this time when the owner changed his name and presumably sent a bunch of old debts to collection. Suddenly I have Knight adjustment Bureau sitting on my credit report for a car that was # 1 a lemon, and # 2 the contract was fulfilled on. I have reached out to them via their website, their phone number, the XXXX, and disputed with every credit bureau to this I have received no response. I would just like it removed from my credit report as it is not a valid debt.
Consumer complaint received 2022-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XXXX XXXX had been taken ill and I sent in a payment to XXXX XXXX XXXX the payment was sent back due to an error I explained that I had been ill and had put it in the portal and there was an error that put me now behind. I was explained by the servicing company that I could make a payment plan through a Covid program under the cares act. I had made an agreement that I have kept and made all the payments. XXXX continues to report erroneous reporting and is not correct all payments are and have been made correctly XXXX continues to report erroneous information which is damaging my credit at this time.
Consumer complaint received 2021-06-14
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)

This letter is a follow-up to my original letter regarding an inaccuracy in your credit reporting, regarding the entry being reported under. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX -- -- I don't live here. Please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX -- -- I don't live here. Please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX -- -- I don't live here. Please remove. 

XXXX Date of inquiry : XX/XX/2019 -- -- - I don't recognized this inquiry. Please remove it from my credit report.
Consumer complaint received 2020-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Metro Collection Service Inc. (CO)

I left a month early on my lease and I had discussed this with the front office and they said that it was okay and that they had another person to lease it to. Since then I have been contacted to pay a debt of XXXX and then I recently received a notice that i owed almost XXXX. I have tried disputing this with the bureaus because the amounts have grown when they should have been nothing to start with and now they are absorbant. Even charging me for court costs for something that has never gone to court even. Please help me to resolve this issue.
Consumer complaint received 2020-02-14
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)

Experian has caused me to be denied credit by reporting a low Fico score of XXXX as of today. The other two reporting agencies are reporting a score of XXXX. 

I disputed an entry for collections from XXXX XXXX. It was removed from the other two agencies and remains on my Experian report and they failed to verify the information as accurate. 

Ive disputed it again but the damage has already occurred.
Consumer complaint received 2022-03-21
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Guidance Alum LLC (CA)

This company contacted me by email after government release information on XXXX student loan agencies, they promise to step in and make full payments as of XX/XX/2021, and by XXXX of 2021 I myself had my own loan discharge and no thanks to the company who made no payments to the student loan nor have I received any refund of the {$780.00} taken from my bank account. Wire fraud is a crime and if this continues all education institutions will be questioned..do n't answer any phone calls making promises that can only hurt your future Guidance XXXX a month evidence is attached.
Consumer complaint received 2020-02-14
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (MD)

I paid 4 for Google play cards {$100.00} each I got scammed I guess and when I realized the scam stopped payment on the Google play cards before I could stop payment I guess two of them were used I have two that have not been used but I still can not retrieve the money. I find it insane that there is no refund and still when I first stop payment all four cards were good so I believe that the people who's scammed me use the cards but wouldn't let me use the cards and the information that you have to give to use the cards only I have. So if the information needed to use the card is the information that I have and only I have this information how come it can't be used by me but can be used by someone else?
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AR)

In XX/XX/XXXX I applied for a home loan. My XXXX  and XXXX  score were XXXX prior to application. In XXXX they would only increase my score by 1 point in consecutively and not monthly. It shouldve been above XXXX. I have not missed or been late on any debts for 6 years prior. And, the agencies were recommending several credit cards, home mortgage companies and commending me for paying my bills on time for the past 48 months. The reporting agencies dropped my score from XXXX to XXXX. When I attempted to resolve the discrepancies with the agencies, I was literally laughed at and told I needed to pay for my scores. When I said I would not, the XXXX  agent said there was nothing else to be done and my scores remained bad. 
I have encountered age and race discrimination : age because Im XXXX ; race because of my skin race- XXXX XXXX XXXX I have suffered retaliation related to my race, and the XXXX XXXX XXXX XXXX. Surely there are laws against these acts against the consumer. Ive worked very hard to be a person of integrity, and having my FICO score drop 172 points because of my skin color is not acceptable. There are others The negative and old accounts are still present and they wont remove them. They thwarted my ability to purchase a home with low interest. There is a fourth agency along with Experian, XXXX  and XXXX  whose name I dont recall, who is reporting information thats more than 20 years old as well. My next step is to hire an attorney and sue the agencies which would annihilate my down payment on a home.
Consumer complaint received 2022-02-15
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. (KY)

Listed below are hard inquires reporting on my credit report that were not authorized by me. I have reached out to transunion numerous times to have these removed and they have yet to respond nor remove them. 
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 XXXXXX/XX/XXXX 2021
Consumer complaint received 2021-06-14
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: Onity Group Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-14
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: EQUIFAX, INC. (TN)

XXXX XXXX XXXX is in violation of FCRA 15 USC 1681a ( 2 ) ( B ) and has furnished this information to a consumer reporting agency to hurt my character. 15 USC 1681a ( 2 ) ( B ) falls under the exclusions section, exclusions define what aren't supposed to be included in a consumer report. It reads ... any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; this account was allegedly extended and is not supposed to be included. XXXX  is also in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) which is also under the exclusion section for what is to be excluded from consumer reports and it reads ... report containing information solely as to transactions or experiences between the consumer and the person making the report ;