davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (WI)

On XXXX XXXX, 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 XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-27
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. (NJ)

There are 4 inquiries made without my permission. I have since locked my account with XXXX due to identity theft. They are : XXXX XXXX  BANK ( Bank ) XX/XX/XXXX XXXX CO XXXX XXXX XXXX Bank ) XXXX XXXX, XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX CREDIT ( Finance XXXX XX/XX/XXXX I have called XXXX and Transunion regarding these hard inquiries to no avail. I have also called XXXX XXXX Bank and they said they saw no accounts and no credit card applications submitted with my social security as only South Dakota residents can even open an account or apply for a credit card with XXXX XXXX Bank and I myself live in another state.
Consumer complaint received 2024-02-15
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. (NC)

My wallet was stolen during a company party. I advised authorities that my wallet along with some of my personal information was stolen in XX/XX/year>. I recently retrieved a copy of my credit profile and noticed accounts and inquiries that I have no affiliation with or any knowledge. I've stressed to the CRA ( Experian, XXXX, and XXXX ) how stressful this is and its impacting my ability to obtain credit. 
According to 15 USC 1681 I have the right to privacy and furnishing information to my account without my permission is in violation. Also furnishing accounts to profile in the result of identity theft, violates 15 USC 1681 C-2. The accounts that are listed on my credit profile are : XXXX XXXX XXXX and XXXX XXXX XXXX, I have no knowledge of these creditors
Consumer complaint received 2022-10-27
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$850.00}
Consumer complaint received 2022-05-17
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused
Consumer complaint received 2022-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia (NY)

CREDIT CONTROL CORP ( Original Creditor : XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a XXXX  mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and XXXX. Now that I contact this company about this alleged debt there is no response?? 


furthermore CREDIT CONTROL CORP ( Original Creditor : XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
Consumer complaint received 2019-07-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

XXXX I filed disputes re false information on 4 accounts which resulted in sub par credit which has disqualified me from over 85 housing options and explained the urgency of situation since will be homeless as of XXXX. The creditors- XXXX XXXX XXXX , XXXX XXXX, and XXXX XXXX has sent documents and followed up in every way possible. I have done the same. No updates have been added to reports. 
My experience with Experian has been even worse.
Consumer complaint received 2023-07-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (CA)

Discover Card made me pay them for unauthorized charges that I did not make. I have reported that to you before. However, recently, I learned that Discover Financial Services also did an unauthorized " soft '' credit inquiry into my credit on XX/XX/23. That was 5 days before the court trial that I had to attend because Discover Card/Bank sued me for collection of a Discover Card balance, and I sued them back. I ABSOLUTELY DID NOT AUTHORIZE DISCOVER TO MAKE A CREDIT INQUIRY INTO MY CREDIT RIGHT BEFORE TRIAL AND THEY ARE ABUSING THEIR POSITION FOR IMPROPER PURPOSES.
Consumer complaint received 2023-09-29
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. (OH)

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Consumer complaint received 2022-05-17
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cherry Creek Corporate, LLC (WA)

I am/was in the process of looking for a manufactured home and was working with a realtor. He recommended XXXX XXXX with Cherry Creek Mortgage. I had filled out the paperwork and submitted on XX/XX/2022 at XXXX, after filling out the paperwork I realized I was not prepared and needed to work on my debt to income ratio. I notified Cherry CreekXXXX XXXXXXXX on the morning of XX/XX/2022 at XXXX I emailed XXXX at her direct email and asked her not to submit my application that I was withdrawing it until further notice. I received an email from XXXX on XX/XX/2022 at XXXX stating she had sent the application to two lenders and it was declined. I am now getting notices of adverse credit decisions even though I asked her not to do it. Because of this, I am now getting all these offers to pay down debt with various debt resolution companies. This is not right. 

I kept all the emails in the event additional information is needed.
Consumer complaint received 2022-05-17
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. (TX)

XXXX by Transunion is reporting credit history going back 17 years. I applied for a loan through an SBA lender and they obtained this report from XXXX with information from 12-17 years ago that should not still be on my credit report. My current credit score is near XXXX yet I was declined for having this old data on my report, including a bankruptcy filing in 2005. Transunion is getting around this by calling it an " identity report '' instead of a credit report. Are they not required to follow the guidelines of 7 years for most data and 10 years for bankruptcies to fall off the credit report?
Consumer complaint received 2022-05-17
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. (IL)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-17
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. (GA)

XXXX and Equifax are reporting a collection account on me that is inaccurate. I have disputed with the m and they never responded to my dispute but however they did update the comments on my credit report that the account was disputed. There is no way they investigated this because if they had they would have deleted this. 
This account information that they are reporting is wrong and fraudulent. Please have them do the right thing and remove this. 

Disputed account listed below : XXXX XXXX ( Original Creditor : XXXX AT XXXX ) Account # : XXXX
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I made a purchase for furniture from bed bath and beyond on XX/XX/2022. I received the merchandise on XX/XX/XXXX. I returned the two tables and chair without even opening the box as I found a set cheaper elsewhere and dropped it off at XXXX on Tuesday XX/XX/XXXX. Tracking number XXXX which they provided me themselves. I did as they asked and the tracking never updated. Ive enquirer many times directly to the company to look into it as XXXX told me that they have to open an inquiry on the package. Nothing has been done. Ive been told by reps that I would receive a refund. Then told I wont as the item hasnt been delivered. To then being told Id hear from the warehouse team which I never did. Ive contacted them countless times and they do not help at all. Terrible customer support. I did everything on my part to return the item and now I am out of money because of it. And so I did poured with capital one and now they reversed the charge so Im XXXX.
Consumer complaint received 2022-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (GA)

I have been speaking to a XXXX XXXX in the lost mitigation department at Shellpoint. 
I was denied a forbearance in XXXX and was told that there were not any other options for this loan. I was never told of programs that could possibly help me. 
I called XXXX XXXX to tell her at the beginning of XX/XX/XXXX that I was going to be applying for the mortgage assistance. She told me that there was a foreclosure about to happen but it was on hold because of title issues. She told me that I needed to do a reinstatement for the mortgage assistant application and that she would be sending out the letter for me to use this. When I received the reinstatement letter in the mail, it had a date of when I had to settle the amount past due on the loan or they were going to foreclose on the property on XX/XX/XXXX. My application for the assistance was received and I called XXXX XXXX to let her know, she told me that they no longer had the loan. She stated that the loan was foreclosed on XX/XX/XXXX and given back to the bank. The contact from the mortgage assistant is ready to approve my application but Shellpointe never sent me a foreclosure notice only a reinstatement letter. The application will not go through without this notice of foreclosure. This whole process seems wrong to me, the reinstatement was done because of the mortgage assistance application. Though its on a timer? This was way out of my control at this point.
Consumer complaint received 2022-05-17
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. (AZ)

XXXX XXXX XXXX without my authorization pulled my credit report on XX/XX/1921. This is illegal and a violation of my consumer rights and harassment. FCRA. 
DO NOT RUN MY CREDIT EVER AGAIN=harassment and illegal deceptive practices is Consumer Fraud. NO MORE INQUIRIES!
Consumer complaint received 2022-10-27
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)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (GA)

i never paid late insurance paid loan off also i had gap insurance through the creditor. they processed payment late. also its showing on my credit report XXXX  months late and it was a charge of that is incorrect. i have disputed this before on XXXX etc. multiple times and the creditor refuses to correct. they contacted me saying i owed on it still in 2019 when balance was paid in full creditor is in violation of u.s.c code 1681b u.s.c code 1681s-2 u.s.c code 1681 section 604a. i want late payments and incorrect information removed immediately.
Consumer complaint received 2022-10-27
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00}
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My XXXX  loans were previously held with XXXX before they were transferred to XXXX in 2022. XXXX XXXX  is still reporting them as active to all XXXX credit bureau 's. I can't get through to XXXX because you need to have an active account and I have tried by phone, email and botchat but it will not let me proceed. I have tried having the credit bureau 's do an investigation but they continue to keep the balance of XXXX  on my account an addition to XXXX. This is doubling what it says I owe for my XXXX  loans. I am getting no where in trying to get this information accurately updated.
Consumer complaint received 2022-05-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

The company XXXX XXXX has been attempting to collect a debt from a credit card I obtained when I was unmarried. I worked as a bartender and lost my job and became behind on all bills during Covid-19. They served my husband with the court documents when I wasn't home. The credit limit for the card was {$3000.00} and they are requesting I pay {$4200.00} because of late fees, etc. They have submitted a judgement to try to hold my husband accountable for this debt as I got married in XXXX of XXXX. We had a mediation and the company did not accept my lump sum offer of {$1500.00}. They are willing to settle for {$2900.00} ( after supposedly speaking with their client XXXX XXXX  ). They did not notify me that they had declined my lump sum offer. They also stated I could make payments for the total amount {$4200.00} with no negotiation. I have been settling other debt with companies for less than half of what I owe. They again, declined my offer. The website makes you agree to certain terms and conditions before you can log in to see your account. They submit paperwork with XXXX XXXX listed but they clearly bought this debt and are trying to get as much as they can, in the most incessant ways. The terms and conditions aren't listed. Their business practice is aggressive, unethical and shameful.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

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
Consumer complaint received 2019-11-20
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Student Loan Financial Assistance (OR)

In one day I have gotten 3 phone calls from a school loan reduction comp ... I have never had a loan for school ... all numbers are listed below. I get these all the time and when I ask to talk to someone with the Ref # they give me they hang up. 

XXXX ref # XXXX XXXX XXXX XXXX XXXX ref # XXXX Thank you for taking care of this issue. More needs to be done about false calls.