davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (NC)

I sent out multiple letters to all 3 credit reporting companies and got ignored and told I hired a 3rd party company which I did not. This act is unlawful and blatantly out of compliance. To tell me I am not who I am requesting information I have already sent off in a CLEAR VIOLATION OF MY CONSUMER RIGHTS. This took well over 35-45 days in order to get a letter telling me that they applaud my efforts, need more documents to verify my identity, or just be flat-out ignored. I will be reaching out consumer rights protection group to see the best way to hold these 3 companies accountable. Here are the accounts that I originally put into question. Personal Information, Negative accounts & also Inquiries that were not made by me! 


1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX 3. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. Pursuant to 15 USC 1681 ( a ) ( 1 ) - This GRAVE error has impacted my belief in your companies integrity and ability to perform the proper procedures and protocol. As a result I no longer trust the information you report on MY BEHALF. I Immediately want this XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

12. Pursuant to 15 USC 1681 ( a ) ( 1 ) - This GRAVE error has impacted my belief in your companies integrity and ability to perform the proper procedures and protocol. As a result I no longer trust the information you report on MY BEHALF. I Immediately want this XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
Consumer complaint received 2024-02-12
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. (FL)

I am reaching out in regards to a XXXX XXXX XXXX XXXX account that is on my report being reported by XXXX, Experian, XXXX inaccurately & without my consent or authorization. which is a violation of the FCRA & Privacy Act Of 1974 under codes to name a few 15 USC 1681 & 15 USC 6802 ( b ). I also never gave the authorization for my non-public personal information to be shared & I have the right to opt out at anytime under codes 15 USC 6802 & 16 CFR 313.7 subsection ( f ). I have already reached out to XXXX XXXX XXXX XXXX in regards to this situation expressing how I never gave them the authorization to share my non-public personal with non-affiliates, XXXX, XXXX & Experian are non-affiliate third parties, which shows violation. 
I am opting out of the XXXX XXXX  account as I never gave the authorization to be reported & it is being reported inaccurately I am confident that this issue would be fixed immediately due to the extreme inconvenience.
Consumer complaint received 2022-10-15
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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, # XXXXXXXX XXXX XXXX, # XXXX /XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, 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.

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Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (TX)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Caliber Home Loans, Inc. (NC)

On or about XX/XX/XXXX i filed bankruptcy and included in the filing, a home i once owned t was therefore relinquished and forfeited. Caliber home loans left the loan open and is still open today even though the bankruptcy was closed in XXXX, and they continue to this day to report the activity on my credit report, included with these comments are actual letters from Caliber admitting they made mistakes and other illegal activity such as keeping the loan open in my name and letting other people service the loan. Caliber home loans has now sold the loan to another company, XXXX XXXX XXXX and failed to disclose any of the information about the bankruptcy proceedings, and they 9XXXX XXXX XXXX ) are now also reporting to my credit as a new foreclosure.
Consumer complaint received 2023-03-24
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: National Credit Adjusters, LLC (CA)

I have disputed an incorrect account that is reporting on my credit report for over four years now it is showing two of the same thing and neither of them are mine I have tried multiple times to have it removed and have also asked for proof on how that account is mine and they can never tell me and XXXX is not helping resolve the issue
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (GA)

The XXXX part of my background check is incomplete. 

The XXXX was dropped to XXXX XXXX and then the XXXX was dropped completely. 

The XXXX XXXX was unfounded, I completed the process they requested of me, so I do not have any XXXX XXXX  on my record. 

I had no problem renewing my US Passport due to no XXXX on my record. 

These two incidents were a matter of being in the wrong place at the wrong time and I should not be punished for this. I am simply trying to get a simple job and I have a college education. Please assist me with this.
Consumer complaint received 2022-07-25
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 laptop was stolen with all my info. And i just got my credit report and see my credit had hard inquires on my report. Which is stopping me from moving forward in life
Consumer complaint received 2019-07-16
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)

Equifax is reporting incorrectly ( 60 ) days late with a balance due on the XXXX & XXXX XXXX partial account number XXXX. ( Please see pages 15 and 16 of the attached credit report. ) This account is paid timely and has never been late. I contacted XXXX & XXXX XXXX for an accounting of payments and they could not provide any documentation to me to prove there were ever any late payments. This incorrect reporting is harming my credit score and these late payments need to be deleted from my credit report.
Consumer complaint received 2018-05-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (OK)

There is a collection amount of {$250.00} on my Consumer Credit Report of which I have NO knowledge of its origins. The amount is reported twice from two different agencies with separate dates : 1st Report : XXXX XXXX Date Opened : XX/XX/XXXX Last reported : XX/XX/XXXX Account Balance : {$250.00} ( XXXX ) 2nd Report : XXXX XXXX  Date Opened : XX/XX/XXXX Last Updated : XX/XX/XXXX Account Balance : {$250.00} ( XXXX ) I am an XXXX XXXX  ( XXXX XXXX  ) service member and I was stationed in XXXX, XXXX when these erroneous account ( s ) were created. I did not have an account with either company during this time. This appears to be a fraudulent account. Prior to those dates I was forward XXXX  in support of XXXX XXXX XXXX in the XXXX XXXX. So I can not comprehend how this is shown up on my credit report. Thank you in advance for your assistance with this matter.
Consumer complaint received 2021-06-15
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 — Their investigation did not fix an error on your report
Company: Continental Collection Agency, Ltd. (CO)

There are 2 separate collection companies attempting to collect on behalf of the same creditor on my credit report. I have attempting to dispute this debt multiple times with the original creditor, prior to the collections phase unsuccessfully as the information is not correct. I have also tried to dispute with the 1st agency that reported a collections record under my name as well as the second agency. Regardless of the fact that the debt information that is being reported is inaccurate. I know that it : duplicate reporting of the same debt constitutes inaccurate credit reporting which is a violation of the FCRA. I am unable to get help from either the original creditor, the debt collection agencies or the 3 major credit reporting agencies to which I have submitted multiple disputes. Please help me, as each agency has continuously made monthly reporting updates and balance increases. This is illegal collection activity. 

CNTNTL COLL - This one was reported first. Both are on behalf of XXXX XXXX XXXX Other Loan Past due : {$5400.00} Collection/ Chargeoff Other Loan XXXX XXXX XXXX Past due : {$3800.00} Collection/ Chargeoff
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My Credit Union reported 2 of my accounts as late for XX/XX/2019, however the information was incorrect and they have since corrected the information with XXXX but XXXX XXXX XXXX Equifax has not been corrected. According to the Credit Union they do not report to XXXX XXXX & Equifax, however the 2 accounts show as delinquent with both reporting agencies.
Consumer complaint received 2021-06-16
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)

Hi I am a consumer who reached out to Transunion about 13 loan accounts that were reporting on my consumer report without my written consent pursuant to 15 USC1681 b ( 2 ) Transunion did removed the tradelines from my report on XXXX XXXX I have a right to privacy, and no consent is IDENTITY THEFT. publishing this information has for years caused my Transunion report to have a lower score, and also affected me from being able to obtain certain things at a lower rate. Is so frustrating that these bureaus have the power to do this to consumers it is fraud, it should be more done to stop this invasion of privacy. Pursuant to 15 USC 1681n ( a ) Transunion violated my consumer rights and is liable for XXXX each violation I have invoiced this organization in reference to my remedy. I will pursue more legal action if I do not get a response back from Transunion for the suffering and also the fraud that was taking place. Deletion is admission and Transunion never had my written permission to furnish this information. I do not have the account number Transunion has removed the accounts, the accounts were under fed loan, and I will attach an exhibit that I also provided to Transunion I have sent an invoice demanding payment for violating my federal rights. 15 USC 1692 fair debt practices act references individual privacy 15 USC 1692 ( A ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. Transunion was reporting 85,376.00 worth of an alleged debt without my permission, and I demand that they respond to my invoice with payment I have also attached exhibits that I sent to Transunion .The accounts that were deleted was 13 fed loan accounts
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AL)

On XX/XX/XXXX I contact XXXX XXXX about a fraudulent bank wire, between my account at XXXX XXXX and Chase Bank for the purchase of XXXX truck in the amount of {$3900.00}. XXXX XXXX replied they will ask Chase Bank to conduct reverse wire transfer and Chase Bank replied it will take 90 days to conduct a fraudulent investigation. On XX/XX/XXXX my bank XXXX called and notfied me that Chase Bank have completed their investigation and fought the transaction was fraudulent but could not return my money do to there were no funds in XXXX XXXX XXXX  account. I ask XXXX XXXX and Chase Bank can they help me out with this situation and they both refuse to
Consumer complaint received 2019-07-16
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CNG HOLDINGS INC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX calling me in regards to an old debt. I had already requested verification of debt months ago and they refused. A gentleman by the name " XXXX XXXX '' states he is the in house lawyer, threaten me that he was going to come to my place of business, using foul language when I asked him for proof that he was indeed a lawyer. Calling my family members after I have already made contact with them and providing them with my personal matter.
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX I NO LONGER LIVE HERE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX XXXX   XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2016-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I spoke to a loan officer ant my local bank about a refinance of my mortgage. We started the process. I was told I would get an interest rate of 3.5 % and my closing costs would be financed into the loan. My officer would than ignored my repeated attempts to reach him. The original loan close date and rate lock date came and went, but the rate lock was extended by the loan processor. When my loan officer finally get back in touch with me he said the rate had gone up to 3.9 % and I would now have to bring {$3500.00} to close. I then reached out to his manager who said he could still get me 3.5 % but I would now have to pay 2.375 % in points in order get the rate that I was told I could have in the beginning and now I would have to bring about {$2400.00} to close. My credit has not changed over the 3 months that this process has taken. Interest rates have increased since I started this process, now I can not even go to another bank because of the time that this loan officer and bank has wasted. Because of this fact I agreed to proceed with the new figures to see what the final numbers would look like. Since then my wife received a student loan disbursement. We put most of it into our savings account. I had also been putting some money into the same savings account in anticipation of needing more cash to close. Now they are telling me that I can not use the money that I put out of our checking account into savings for my cash to close money. The amount of money I put up would be enough to cover the closing costs, even if we did n't get the disbursement. I feel like they are trying to discourage me from closing this loan because rates have gone up and they do n't want me to have the lower rate that I was promised in the beginning of the process. I also feel as though they have been deceptive from the beginning of the loan process. They keep moving the goalposts on me every time I meet XXXX of their requirements or agree to new terms.
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (TX)

In reference to the errors discovered on my most recent credit report, I am writing to formally file a complaint. I looked into it thoroughly and found that your agency had failed to report a number of items that were questionable, invalidated, unverifiable, and inaccurate.

These errors have not only caused severe distress but also violate my rights under the Fair Credit Reporting Act, which mandates that all information on my credit report must be reported 100 % accurately. It is unacceptable that your agency has failed to ensure compliance with this fundamental requirement.

Furthermore, I have identified specific accounts that are in clear violation of 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). These accounts are not reporting information accurately and are further exacerbating the adverse effects on my creditworthiness and financial well-being. 

I demand immediate action to rectify these inaccuracies and bring my credit report into full compliance with the law. I have attached copies of all letters previously sent to your agency regarding this matter for your review and reference. 

Failure to address this complaint promptly and effectively will leave me with no choice but to escalate this matter further and seek appropriate legal action to remedy the damages caused by your agency 's negligence. 

I expect a timely response detailing the steps taken to address and rectify the inaccuracies on my credit report.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (TN)

I do not know how this works, but I need it done or somehow corrected. My name isXXXX XXXX, XXXX XXXX XXXX XXXX TN XXXXMy SS XXXX DOB XXXX. I had some issues with my income being affected by the COVID-19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. US DEPT OF ED XXXX # XXXX, # XXXX accounts are reporting on XXXX, XXXX The was 30,60, 90 DAYS LATEsince requested assistance due to the pandemic. I found a few accounts that I have never done any business with these companies and the accounts do not belong on my report : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. 
I have some issues with the misspelling of my name, my correct spelling is XXXX XXXX. Please remove any other variation of my name they are not correct. The following addresses do not belong to me please delete them : XXXX XXXX XXXX NC,XXXX XXXX XXXX XXXX XXXXNC,XXXX,XXXX XXXX XXXX XXXXSC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC,XXXX,XXXX XXXX XXXX SC,XXXX