davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I contacted All 3 credit bureaus about the inaccurate information on my credit report on Early XXXX on more than one occasion. The three credit bureaus are supposed to report the same information, but they are not reporting the correct information regarding late payments for XXXX XXXX. The inaccurate late Payment that has been on my account has stopped me from getting the best rates in the loans and credit cards that I have applied for. It was not deleted. I also called first premier and nothing was changed. The status shows on XXXX and XXXX that I paid as agreed but on Experian it shows that I was late 30 days. That is false and I would like you to verify it and get to the bottom of it, because the bureaus have not been responsive over the years. If after my re-investigation of paragraph ( 1 ) of any information disputed by a consumer, a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Please delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation.
Consumer complaint received 2021-07-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (VA)

Had a car loan with Westlake financial for a XXXX XXXXXXXX XXXX. The vehicle was totaled, and i had the vehicle insured. Westlake took back possession of the totaled vehicle and the vehicle shoyld not show derogatory on my credit.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under the Fair Credit Reporting Act, the accounts listed below has infringed upon my federally protected consumer rights to privacy and confidentiality as outlined in 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

Failure to provide original contract with the original creditor, Inaccuracies being reporting and a list of other violations that are against the law of the Federal Reporting Credit Act. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

These inaccuracies are hindering my ability to secure new credit cards and acquire a home for my family. The presence of these inaccuracies on my credit report is contributing to ongoing financial strain.
Consumer complaint received 2019-07-31
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. (IL)

EQUIFAX investigated into XXXX and adjusted balance to {$0.00} as terms of loan were 24 months long beginning in XXXX of XXXX, however in XX/XX/XXXX the company did three inquiries on XXXX  and made it appear as if I applied for an additional loan however I did not. they utilized my personal information ( social security, name and address ) without authorization and permission conducting fraud I informed the credit agencies to no relief. in XXXX I had EQUIFAX investigated into XXXX  on or around XX/XX/XXXX and EQUIFAX adjusted balance to {$0.00} as terms of loan were 24 months long beginning in XXXX of XXXX and thus completed in XXXX. This past month the balance again appeared to approx $ XXXXso I had EQUIFAX RE-investigate and there was no change. the reporting after the XXXX terms is not accurate I have contacted XXXX  as well as attorney general but no response from creditor and I am telling EQUIFAX to delete this account as did XXXX  and XXXX when they took the time to simply look at terms of the loan of 24 months, however EQUIFAX did not contact me for documentation that there company stated they lost my file.
Consumer complaint received 2019-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (WI)

My loan was transferred to company.

Company issued two insurance escrow payments to incorrect address. I paid the insurance premiums myself for past two years and provided proof of payment.

Company support team members unable to offer assistance keep transferring me and providing no help. Opened 3 support tickets on website that the company closed with providing no help. I sent them proof of payment and requested this year to not send payment to insurance company. Still sent payment to wrong address/lost payment. 

XX/XX/XXXX {$580.00} insurance escrow mailed to unknown location XX/XX/XXXX {$540.00} insurance escrow mailed to unknown location Company transferred my mortgage to another lender providing no support. 

XXXX shows numerous complaints about company improperly managing escrow payments. https : XXXX
Consumer complaint received 2022-02-11
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. (PA)

hi im just making a follow-up on the dispute letter that I sent on XX/XX/2021. its been over 3 months now, I thought I would get a response from your company after 30 to 45 days but it seems like you didn't take it seriously or something. Please reinvestigate the information listed on that letter and remove the negative items, I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted.
Consumer complaint received 2021-04-14
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. (CA)

There are 9 accounts on my credit report that do not belong to me I have been disputing these since XX/XX/2020 but I have heard nothing back I have opened an FTC and filled and have a notarized Affidavit for Identity theft and still nothing is being done I have gotten no emails back or dispute results this is my last resort before I open a police report. 
Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CARD Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2018-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC (IL)

ATG Credit has made 5 false entries on my credit report for accounts that are not mine. I do NOT owe them, nor the original creditor anything. 

I sent them a letter on XX/XX/2018 asking for the following : " What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service '' Additionally, I also requested that no telephone contact be made by them to my home or my place of employment and they are calling my daily at work and home regarding a debt I do NOT owe. 

Also -- please note they have 30 days from the date of my request to provide validation per the FCRA which has long since passed. I sent it certified mail so I know they did receive it.
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (LA)

I was originally approved with avail credit of $ XXXXon Chase Sapphire card. Yesterday I received notice from them they decreased my available credit. I have always paid them more than minimum payment .. on time no lates .I called Chase today. The rep told me that on a credit review the decision was made to reduce available crediit. I asked the rep why, since no lates more than min. Paid every month. She said the credit review determined this? No reason given. I told herthis change could potentially reduce my credit score. She advised me they dont care aboout credit scores. For someone that has been trying to fight bad credit score my whole adult life ... I do care .This is UNFAIR. If I had paid late or missed payments by all means reduce the available credit. This will only result in hurting my credit scores .Available credit cut almost in half. It makes me wonder why consumers try at all. This is a huge setback for me is all. No resolution from them except to say not their concern. So UNFAIR, as they had no reason for this
Consumer complaint received 2024-03-07
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. (MD)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-21
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. (OH)

Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (SC)

I have three promotional balances with XXXX 's XXXX. The promotional terms are 6 months, zero interest if paid in full. The first promotional balance was due to be paid in full on or before XX/XX/2018. The remaining balance, {$35.00}, was listed on the XXXX statement. I contacted Customer Service to inquire on the process to apply payment to the promotional balance. I was informed that I would need to make the minimum payment for the statement ( {$30.00} ) by the due date XX/XX/2018 and the remaining promotional payment amount ( {$35.00} ) by its due date, XX/XX/2018. I was further advised that I would need to contact Customer Service after the promotional balance payment to have the amount applied to the appropriate balance. I completed the three steps : -paid minimum statement balance by due date, paid promotional balance by due date and contacted Customer Service through the XXXX XXXX XXXX. XXXX, the card issuer, has now refused ( twice ) to apply the promotional payment. In addition, they have declined to provide my account details although I have requested confirmation in writing on three occasions. Instead, they send responses to me with the general policy for payments and balances. If the payment is not applied accurately, I will incur deferred interest charges. I have submitted the payments on time and am hoping to ensure the terms are honored.
Consumer complaint received 2022-03-21
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. (GA)

I contested the following information included on the attached files with TransUnion and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much XXXX XXXX XXXX XXXX because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. TransUnion has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Consumer complaint received 2021-04-14
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. (GA)

I am writing this in order to clarify unknown accounts that appeared in my credit report. I checked my credit profile to make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. SO its not ok if I have misleading accounts in my credit report therefore please delete them and try to make it as soon as possible. Thank you
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please REMOVE the following inquiries due to the XXXX  and XXXX XXXX DATA BREACH. You must PROTECT my information & not allow people to use my personal information to apply for credit in my name. I have attached all of the inquiries.
Consumer complaint received 2022-10-10
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. (WI)

On XX/XX/2022 I sent out letters challenging incorrect information on my credit report In accordance with the Fair Credit Reporting Act XXXX XXXX : Account number : XXXX, XXXX. 
XXXX : Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX ASSOCIATES Account number : XXXX XXXX XXXX XXXX ASSOCIATES Account number : XXXX 15 U.S.C. 1681 SECTION 602 A States I have the right to privacy 15 U.S.C. 1681 SECTION 604 A SECTION XXXX also states a consumer reporting agency can not furnish an account without my written instructions. 

The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer, I demand the following accounts be DELETED from my consumer credit report immediately. 

The Publishing of such inaccurate and incomplete information has severely damaged my personal and credit representation of myself and has caused severe humiliation, Emotional distress, Mental anguish, and lower FICO Scores The term " identity theft '' means fraud committed using the identifying information of another person. By you reporting my personal information, accounts that are not accurate and are misleading. You are actively committing fraud by having these items on my consumer report because I never gave the credit reporting agency permission to report my information I have yet to see a response on my investigation sent which is another violation & its been way over 60 days.
Consumer complaint received 2024-03-07
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. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$160.00} XXXX XXXX Balance : {$2900.00} IXXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX : {$520.00} XXXX XXXX XXXX XXXX : {$550.00} XXXX XXXX XXXX XXXX : {$980.00} XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-12-03
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)

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 2019-06-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I cant remember exactly how much because this was last year. I remember needing to take out more loans because I didnt have any money after paying them back
Consumer complaint received 2022-12-03
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. (NY)

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 2022-03-21
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. (NY)

Both youre agency and XXXX XXXX are in violation of the US laws listed above and are grounds for me to seek legal action. Furthermore, this account charged off XX/XX/2017 and was immediately satisfied. I have also attached a letter from my county attorneys general in which it states according to the FCRA any satisfied charged off account can only report on any individuals credit report for 5 years in the state of New York, which means youre agency is also in violation of the law. I feel like im being taken advantage of and I demand this account be removed from my report immediately.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I made an complaint about several inaccuracies on my credit report and have yet to receive any response or results and it has been well over 45days. i have not been cintacted i have also provided proof