davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a complaint Case # XXXX and the claim was closed before i received my credit report. XXXX is still reporting incorrectly to Trans Union and possibly XXXX. 


At the end of XX/XX/XXXX I contacted XXXX XXXX  via phone and in the process the customer service rep asked me to verify personal information. I was asked to verify my birthdate and when I replied XX/XX/XXXX the rep refused to continue the call because I did not answer correctly. I called back and spoke with a different rep and was informed that there were multiple ways to verify a customer account and the birthdate didnt need to be verified to continue discussing the account. At that point I was concerned I had this account since XXXX Shortly after XX/XX/XXXX I received a letter notifying me that the Mortgage Origination Date was corrected on XXXX for tax year XXXX and I would receive a copy via mail. I immediately called XXXX and spoke with XXXX XXXX and she informed me that my case XXXX was being handled by XXXX XXXX and gave me his direct contact number XXXX XXXX XXXX which did not work. While on the phone with XXXX I checked my credit report for all 3 credit bureaus and discovered that TransUnion did not have XXXX XXXX  reported at all only XXXX XXXX. I refinanced and had a first loan with XXXX XXXX and a second line of equity with XXXX XXXX  in XXXX. I refinanced the first loan with XXXX XXXX  in XXXX and the loan was paid off but I still had the second loan with XXXX XXXX. TransUnion had no record of XXXX XXXX  which explained why my credit score was 30 points lower than XXXX and XXXX. I immediately initiated a dispute with TransUnion and they responded swiftly XXXX XXXX XXXX stating there is nothing they could do because the account never appeared on the report. I then submitted another complaint disputing XXXX XXXX  instead of XXXX XXXX after speaking with a manager at TransUnion to get XXXX to respond so they could discover the error with my XXXX XXXX. TransUnion responded XXXX XXXX XXXX to the second dispute and I still had not heard from XXXX XXXX.
Consumer complaint received 2022-08-27
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: Radius Global Solutions LLC (TX)

There is someone else using my information! There is a XXXX XXXX with her husband name and credit coming on my report! What is going on! She is using my credit! There is fraud! 
Help plz XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 2023-02-24
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: Experian Information Solutions Inc. (MS)

I have contacted credit bureaus XXXX, Experian, and XXXX about false inquires on my credit report impacting my credit in a negative way, however they still have not removed said inquiries and information form their reports. Ive called and sent letters and am still waiting. I want them to remove these inquiries and false information!!! XXXX XXXX XXXX inquiries on XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX, XXXX on XX/XX/XXXX.
Consumer complaint received 2021-08-17
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: Early Warning Services, LLC (MD)

Early Warning is currently reporting inaccurate and misleading information on my consumer report. They do not have permissible purpose or my written consent to furnish or share this false information. This is hurting my reputation and credit worthiness. I have asked for verification multiple times and they responded back to me that they do not have access to the account documentation surrounding this alleged account there for they are unable to provide copies of any documents or any verification. If they are unable to verify the accuracy and completeness of this allegation against me i demand this to be removed from my consumer report immediately.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # 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 an account without my written instructions
Consumer complaint received 2022-08-27
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. (SC)

I am a victim of identity theft. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX have all obtained my non public Identifying information through fraud & identity theft. I have never contracted with any of these companies. This also serves as notice for all of the credit reporting agencies to list a few but not limited to Experian, XXXX, & XXXX. Please remove these fraudulent account or be held liable for willful breaking of the law.
Consumer complaint received 2022-08-27
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. (AR)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and the credit reporting agencies havent notated is as disputed. They cause me to loose out on offers due to reporting negative inaccurate items and not notating it was disputed. 

I sent them multiple of letters concerning my credit reports. 

As a consumer it is my right for them to follow FCRA laws.
Consumer complaint received 2021-04-13
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AR Resources, Inc. (FL)

An entity called me claiming to be AR Resources, a debt collection company, from a restricted number and left a message. 

I called the number on that message and immediately the operator started berating me to get my personal information, including my SSN.

I did not give this to them and called the listed corporate number for AR resources : they confirmed that it was not them, and it is likely an impersonator looking to pose as debt collectors.
Consumer complaint received 2021-04-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Betterment LLC (MN)

0n XX/XX/2021 I made a withdraw from my brokerage account for the full balance. I have been with this company for over 10 years no problems thus far. Until I made this one I received a response from them telling me they could not verify my bank accounts and to please upload an id. Now why after working with this company for over 10 years would this problem come up? 

0n XX/XX/2021 the information to verify my identity " ID Upload was requested '' With the ultimatum of your withdraw is on hold until we receive this information. In a day and age where we are trying to not have identity theft this information is being requested after being a customer for 10 years?
Consumer complaint received 2022-08-27
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: Affirm Holdings, Inc (AZ)

in accordance with the fair credit reporting act XXXX  has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-02-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (LA)

I sent a transfer to one of my suppliers in XXXX. my bank XXXX  XXXX   sent the funds to hsbc XXXX XXXX. using hsbc usa as the intermediary. hsbc usa has not release the funds not have they answered multiple attempts to locate or recall the transfer. it was sent the XXXX of XXXX and I still do not have any information. My bank and myself have tried multiple times by email and phone to get information on this transfer and we have not gotten a response in over 20 days. After the transfer in question i sent another transfer the day after and it went through correctly. So my transfer information is correct. to recap. we sent one that was held and sent another the following day that went through successfully. they have the exact same information.
Consumer complaint received 2022-08-27
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. (MI)

I opened a credit card with XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. All payments were paid as agreed every month except for XX/XX/XXXX. This was due to a medical emergency that I experienced that put me in the hospital for XXXX and a half weeks. I was unable to make arrangements with XXXXXXXX XXXX XXXX due to my hospitalization.
Consumer complaint received 2022-08-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted 1 ) XXXX XXXX dated XX/XX/XXXX 2 ) XXXX dated XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX dated XX/XX/XXXX Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted 1 ) XXXX XXXXXXXX dated XX/XX/XXXX 2 ) Bank of America dated XX/XX/XXXX 3 ) XXXX XXXX dated XX/XX/XXXX XXXX
Consumer complaint received 2022-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXXXXXX XXXX XXXX XXXX  / {$9400.00} / XX/XX/2022 XXXX XXXX XXXX {$3200.00} / XX/XX/2022 XXXX / {$1200.00} / XX/XX/2022
Consumer complaint received 2022-08-27
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: EQUIFAX, INC. (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor.ay not treat a payment ona credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2019-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been trying to reach a live person to speak to at XXXX  credit reporting agency. The only number I have to contact them is XXXX. A recording keeps coming on asking to push 1 for fraud information and 2 to order your credit report. It is impossible to speak with someone. I have disputed in writing several times incorrect information on my XXXX credit report. I can't even get online to submit a dispute. I have a report number but the website won't allow me on. I have disputed an account ( XXXX XXXX XXXX XXXX XXXX ) that is showing as negative on my report. This information is INCORRECT. I've had several combined loans years ago with XXXX XXXX XXXX XXXX XXXX and have paid the balance in full. It's reporting as a write off which is completely wrong. Having this wrong information is hurting my credit score. XXXX has deleted the account I do not understand why XXXX  and transunion are still reporting this. I contacted XXXX and was told they received there response to the investigation and it will be deleted off my credit report. The same response should have been received to XXXX  and transunion as well. Another account I have is XXXX XXXX dept store. It is showing as a late payment back from XXXX. This is also incorrect! I have never been late in paying XXXX again XXXX has corrected it but experian just keeps updating the same information. The last one is XXXX  XXXX XXXX. There are fraudulant charges on that account from XXXX. My credit score is being affected due to wrong information reporting. I am submitting this complaint because XXXX  doesn't care to take the time for the consumer and do a true investagation. My credit is most important to me and I am aggravated that you can't even speak to a live person to dispute these accounts again. I also have disputed them as I mentioned earlier in writing several times. One time they gave me a wrong PO Box number and my letter was returned to me.
Consumer complaint received 2021-06-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (TX)

Hello I am sending this complaint because we have had the worst experience with this company. Based on my research this company has a 1.4 review score online. Everyone is complaining about the same issue. Not being able to get the proper customer service when needed. There also seems to be a high turn over within the company. I spent up to 4 hours today trying to reach a representative to get help with my loan to only be transferred around through their automated system. Even the website is so vague you can barely get information. The email address is also blocked. The company that I am sending this complaint against is LoanCare Mortgage Company. I do not understand how this company has not been investigated yet and how a company that has so many complaints and a 1.4 review is still in business. We were in Forbearance from XX/XX/2020 to XX/XX/2020 and this company does not seem to have all of there documentation to show when our forbearance started and ended. We were told that our forbearance was from XXXX to XXXX but that is not accurate. So we are trying to resolve this by asking for the original forbearance agreement that we never received but we can not reach anyone in forbearance. This department does not seem to exist, instead you just get a never ending automated system. The Refinance Reps will tell you they will transfer you to a Forbearance Representative but you never get to speak to a human only an automated system that gets you no where.
Consumer complaint received 2020-09-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (CA)

I have savings account with American Express bank ( routing # XXXX ). On XX/XX/2020, they denied my withdraw due to the number of times exceeded their allowed limit. Then I spoke with a supervisor XXXX ( employee no XXXX ) asking for withdraw citing that XXXX XXXX XXXX on XX/XX/2020 has new regulations which removed number of withdraw times limit. XXXX left to talk with higher officer. Came back and told me that they have decided to do their own rules and not allow me to withdraw until the next cycle time.
Consumer complaint received 2019-01-07
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. (OH)

Federal law requires that you provide mechanisms to make sure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading, or incomplete, 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 2019-01-07
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. (OH)

Federal law requires that you provide mechanisms to make sure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading, or incomplete, 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 2020-09-16
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. (OH)

was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX  CARD. The dates were XXXX, XXXX XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN and I believe I can use some help with the removal of the late payments I am currently full current yet the late marks are killing my credit score I coulduse some accommodation to help protect my credit. The CARES Act calls these  agreementsaccommodations.
Consumer complaint received 2022-08-27
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: EQUIFAX, INC. (TN)

This is NOT a Duplicate report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX has violated my rights. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX Account # XXXX XXXX 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 2019-01-07
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. (OH)

To Whom It May Concern, The reason for my dispute is i HAVE repeatedly asked for proof of claim or documentation for the alleged accounts on my credit report.

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA.

Also, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OH, allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  is held liable as well for defamation and in the state of OH a creditor is who collects their on debt is considered a debt collector under FDCPA.XXXX XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX XX/XX/XXXX XXXX ) citingXXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX   XX/XX/XXXX writ dism 'd w.o.j. ) I also believe that this business is not registered to operate in the state of OHIO.

I expect this collection account to be removed from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Consumer complaint received 2020-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (LA)

Reported on my credit as a loan that I never requested or had for ( {$2400.00} ) IQ Data International ( XXXX XXXX  XXXX XXXX, Wa XXXX ) Original Creditor : XXXX XXXX XXXX  ( XXXX, La ) Total : ( {$3000.00} )