davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2022-06-14
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. (FL)

I have sent several Disputes to XXXX, Experian and XXXX about the inaccurate items on that are reporting on my credit reports last sent XX/XX/XXXX. I requested documentations to proof and verification of these reporting 's. I still have not received the fact findings of the accounts. 

The credit bureaus stated that my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-21
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. (NJ)

Received an alert via XXXX XXXX credit monitoring that there was a new hard inquiry on my credit report for a credit account i did not apply for from XXXX XXXX XXXXXXXX XXXX. Trying to stop this before it turns into a fraudulent account but i guess this is why identify theft is a big business, since i have to jump through XXXX hoops and have called XXXX different XXXX numbers and still have no help or way to stop this.
Consumer complaint received 2018-04-23
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. (WI)

I have contacted XXXX  and Equifax on several occasions informing them there are several hard inquiries listed on my credit report dating back to 2016 that I did not authorize. I have spoken to over a dozen US reps as well as reps from other countries over the last 4 months. I have explained that my identity has been stolen 4 times over the last 7 years. I placed a fraud alert on each of my reports which are now expired. 

Based on my report there are also several duplicate inquires from the same company around the same time. I asked what is the procedure for disputing inquires that have not been authorized by me? I have been told inquires can't be deleted. I need to send letters to over 20 places listed on my report and have them remove the inquires. I explained that would be very time consuming to write letters to over 20 companies for unauthorized inquires. I also explained these inquires have damaged my credit as well as caused me to be charged a higher interest rate. 

I called and spoke with another rep today and explained to him I will be filing a dispute considering I have been in circles trying to get this resolved and deleted from my report. The last rep I spoke with today from XXXX stated if I get a letter from the CFPB they will delete the records from my report. I will also need to attach a letter requesting the deletion. 

The file number for the XXXX dispute is XXXX. I was told to send the information to the Consumer Contact Department. The turn around time would be 5 days to review and delete. Please delete these unauthorized inquires from my report.
Consumer complaint received 2022-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent several Disputes to XXXX, XXXX and Transunion about the inaccurate items on that are reporting on my credit reports last sent XX/XX/XXXX. I requested documentations to proof and verification of these reporting 's. I still have not received the fact findings of the accounts. 

The credit bureaus stated that my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-23
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. (TX)

I reviewed my report and saw so inquiries that I had not authorized. They are not mine and need to be deleted. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove them.
Consumer complaint received 2021-11-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC (TX)

In XXXX, I had taken out a loan with XXXX XXXX 's, although the interest rate was a bit high the payments were around {$50.00} and were very manageable. A life event came up and I needed more funds so they presented me with an offer to refinance since I was already near payoff, I went ahead and jumped on the offer and took out another loan. Once more after the 2nd time I needed to borrow additional funds - by this time my loan was paid off so I decided to reach back out to XXXX for a loan however, the name had changed to Uprova  but I figured it would be another affordable loan. I called Uprova over the phone while driving to see about getting another loan and was approved - I agreed to receiving the loan because I thought it would be affordable with a manageable loan payment ( like with XXXX ) but I was completely wrong! Instead, my interest rate is XXXX XXXX!!! I borrowed {$1300.00} and by the time I finish paying them back I will end up paying {$3900.00}. After realizing this I called the company ( in XX/XX/XXXX ) but they stated there was nothing they could do. Since it is the holidays I reached out to them today ( XX/XX/XXXX ) and they stated they could change the number payments i have remaining from 5 to 4 and reduce my payment from {$210.00} to {$180.00} ... not much help at all but I will take what I can get. I am so upset that a company would take advantage of an individual knowing I was on the road and unable to read or review what I was signing up for. I would like to be credited back the money they have taken from me. I know loans have interest but 400 % is ridiculous. I continue paying this because I don't want my credit to be impacted but this company is clearly taking advantage of consumers. I'm reaching out to the CFPB for help with this matter...
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX : Account # XXXX, has violated my rights. This company continues to report a XXXX day late payment to Experian and XXXX from XXXX of XXXX 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 



I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Consumer complaint received 2022-10-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC (TN)

This complaint involves the XXXX XXXX This loan was obtained for a solar system through XXXX XXXX. Our system was promised to save our entire power bill and we were told our power company would even buy back our excess. This was a lie, our state does not buy back power. Our system, {$70000.00} doesn't produce enough power to cover more than $ XXXX per month of our power bill. Our system was installed on our steep roof, facing east. It will never get more than three hours of sun per day. It sat for six months not functioning while Goodleap made us make payments because XXXX 's installation continued to fail inspection. XXXX said they would remedy the situation of our lack of production for months and never did, then shuttered their doors. Meanwhile, the system is not producing and we have absolutely no warranty on these expensive panels as promised in our contract. 

Since XXXX has shuttered, we are now reliant on Goodleap, who has no interest in remedying our situation. Their attitude has been completely condescending and they said that we signed a contract and we were responsible to pay either way, and have had the nerve to threaten us with legal action. I suppose the contract only goes one way. We stopped taking their phone calls because they were rude and threatening. There is a lien on our home and we don't even have s copy of the contract we supposedly signed with them. They never mailed us one document except threatening letters when we told them we would not pay until we got a system that functioned as we were sold. 

I didn't finance {$70000.00} to save {$30.00} a month. Goodleap is complicit in XXXX 's fraudulent solar system sales.
Consumer complaint received 2021-11-23
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. (FL)

Hello, I have called XXXX XXXX XXXX  on numerous occasions in regards to my account. On my credit report, it is showing that my account is closed when in fact my account is open and accruing interest fees. I called many times, submitted disputes with each of the credit bureaus and to no avail. The disputes I open, are closed within a matter of days, and closed with the following " closed at consumers request '' I called in a couple of years ago to cancel my account due to how they were treating me when I wanted to dispute a charge that was on there incorrectly. I ended up speaking with a supervisor who convinced me that it kept my account open, the charge would be handled appropriately. 

Since then, it has been reported that my account has been closed when in fact it is still open. This is very inconvenient for the simple fact that I have a closed account on my credit report which affects my score in a negative way when my account is open and active.
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (NV)

Sent letters to all three Credit bureaus XXXX XXXX, Experian, and XXXX. 
The accounts came back as verified. These are not my accounts.
Consumer complaint received 2020-12-15
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC. (FL)

I received a letter in the mail from a new Collection agency called XXXX XXXX XXXX XXXX. I previously sent in a complaint against Exeter Finance who also had XXXX XXXX XXXX sending letters requesting a different amount that is reflecting on my credit report. I would like this account to be deleted with all credit bureaus. The amount that is being reported is {$6700.00} but now the new Collection agency is asking for {$3600.00}.
Consumer complaint received 2022-06-14
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. (NV)

Sent letters to all three Credit bureaus XXXX XXXX, XXXX, and Equifax. 
The accounts came back as verified. These are not my accounts.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (ME)

I have a number of issues currently with Equifax. 

- on XXXX I ordered a paper copy of my credit report. I paid {$5.00} for this report. I was told it would take 5-7 business days. When I spoke to an Equifax representative on XXXX, they stated that it had been mailed I would receive it shortly. It is now XXXX - XXXX business days later - no report. 

on XXXX I called Equifax because suddenly my ENTIRE credit file disappeared and an address from another state was appearing attached to my name and SSN. After numerous attempts to get this correct all that has been done is an update of my current address. It is now XXXX and my file is still completely blank. My entire credit history has vanished and no one at equifax seems to be able to explain why or is even vaguely interested in fixing it ( I had one CSR tell me that no, in fact, I did not have any credit accounts otherwise they would be showing up ). 

- after the security breach was finally made XXXX, I went to the security web site to see if I was impacted and when I could sign up for credit monitoring. I was told that yes, I was impacted and that my date to sign up would be XXXX. After registering, I would receive an email to complete enrollment. Today is XXXX and I have yet to receive any word on further enrollment. Given that my one complete credit file is now blank and equifax is taking 5 business days to provide some modicum of monitoring service, I have grave concerns that my credit history with Equifax is even existent. 

Due to this shoddy handling of sensitive protected information, I am currently unable to apply for any credit as a comparison on my reports between the other two CRAs and Equifax would show grave discrepancies, all due to Equifax 's incompetence. I have also been denied credit which I believe is solely due to Equifax mishandling of my file and incorrect information ( in this case, no information ) and a wrong address being reported. 

Also, aside from this complaint, and joining any class action law suit I can against Equifax I will be filing a separate, individual lawsuit for FCRA violations as clearly they are unable to maintain accurate and complete records.
Consumer complaint received 2018-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

Was called around the beginning of XX/XX/XXXX about said I owed a debt to XXXX XXXX XXXX XXXX. Asked for verification of said debt received a letter around XX/XX/XXXX asking for ssn # and an account number to said debt. I dont have this account number and do not feel comfortable giving out my ssn # due to recent fraud that was on my credit report. The amount of the Debt was for XXXX.
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: ALLY FINANCIAL INC. (TX)

I helped my son get a auto loan with Ally Financial Auto XX/XX/XXXX I was principle on loan and son was co-signer, son was not prompt in payments so I took over payments XX/XX/XXXX or XX/XX/XXXX. I paid on time always with auto pay from my bank but I had never received a single statement or communication from Ally. on XX/XX/XXXX I saw online that payment was {$650.00}, I paid the {$650.00} with auto pay. When I went to look at Ally account XX/XX/XXXX account said no record of vehicle and I could not see vehicle account. The auto pay send {$650.00} on XX/XX/XXXX when I went to look at Ally account XX/XX/XXXX I still could still not see account then first week of XX/XX/XXXX I was notified that Ally had reported non-payment to Credit Bureau, I again tried to see account but was still locked out. I called Ally and was told first that I missed several payments when checking Bank I saw I had never missed a payment. I asked Ally what was up as I could not see account, never received a single statement, or communication of any sort and they informed me they only communicate with Co-signer per his telephone request and he had filed Bankruptcy so I was locked out of account and they do not send any type correspondence with principle who had paid for 3.2 years. Ally informed me I should have monitored account they locked me out of since they did not communicate with me and they had no responsibility to communicate with me regarding account or my credit. I was never notified of any discrepancy, received no communication in 3.5 years and was not allowed to see account they told me I should have monitored and still can not see?!
Consumer complaint received 2018-04-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (TX)

We have a mortgage with Ocwen that matured XX/XX/XXXX. Ocwen notified us that we still had {$29000.00} of unpaid principal. We disagreed with that amount. Ocwen would not budge. We hired a firm called XXXXto handle an arbitration to either reduced that amount or the 10 % interest rate.This was XX/XX/XXXX. We paid {$2700.00} although we were told ito retain them was {$1700.00}. They assured us that they could take care of it before the maturity date. They didnt. And we were billed an additional {$500.00} twice. Now I cant get them on the phone. I have email, text, fax with no response. Can you help us. I dont know whether to file bankruptcy or go back to Ocwen. My husband is on XXXX, I have XXXX  and XXXX and this need to be taken care of. I dont know what to do.
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

XXXX/XXXX - Last reported XX/XX/XXXX - Charged off / Closed - Last payment XX/XX/XXXX - Credit Limit Equifax is falsely reporting the above credit card, I have tried disputing it with Equifax however they will not remove this account as it has been paid in full since XX/XX/XXXX to the collection agency that bought this debt. 

Equifax Dispute information : CREDIT FILE : XX/XX/XXXX Confirmation # XXXX
Consumer complaint received 2024-02-29
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. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

1 XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-06-14
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. (CA)

In XX/XX/2022 I disputed an account with TransUnion and XXXX about inaccurate information. I sent in court documents stating that I do not owe Any type of debt. The account was sold to a debt collector that's not even on my credit report. I'm not sure how TransUnion is verifying correct information when I'm sending straight facts of documentation.. I have new information from the original creditor asking u to delete this account as of XX/XX/2022 XXXX XXXX account XXXX
Consumer complaint received 2022-06-14
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. (CA)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-10
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: Experian Information Solutions Inc. (FL)

In accordance to Consumer Fair Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.