davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XX/XX/2024 I found disrepancies on my report with Trans Union, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX the date of last payment says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have disputed this information on my credit report for several months. I have been BEYOND UNSUCCESSFUL in my attempts via phone or certified mail disputes and/or upload on line. 

I have attached that the information continues to verified to which I have attached supporting documents, disputing verification. I have also asked for the method of verification to which I continue to obtain the same verified response. Therefore I am reaching out to CFPB for intervention and a investigation as this is greatly hindering me in moving forward with I need to do for my family with regards to the INACCUARTE REPORTING. 

Based on the information reported on Transunion website, they report that TransUnion reports public record items from local, state and federal courts and other public record sources. If your TransUnion credit report contains a public record item, you may be required to explain it to potential creditors, employers and insurers. Generally, TransUnion retains third-party vendors to collect this public record information and transmit it to TransUnion for inclusion on consumer credit reports. 

Beginning in XX/XX/XXXX and continuing through XX/XX/XXXX, as a result of our implementation of enhanced standards for the collection and timely updating of public record data included in consumer credit reports as part of the National Consumer Assistance Plan ( NCAP ) and as part of a lawsuit settlement, TransUnion agreed to stop reporting civil judgments, state tax liens and federal tax liens on credit reports and will not resume reporting these public record items on credit reports until XX/XX/XXXX, at the earliest. For additional information about the settlement, please visit XXXX TransUnion continues to report bankruptcy public records on credit reports. For bankruptcy public records collected through XX/XX/XXXX, TransUnion obtained information about your bankruptcy from third-party vendor, XXXX. XXXX may be contacted using the information provided below. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX https : //transunionconsumers.lexisnexis.com/ I have contacted XXXX and they are not reporting said bankruptcy that is " verified through a third-party '' per Transunion as the bankruptcy was removed due to fraud as you will see in the attached supporting documents. I have also reported this information to the FTC, XXXX and Attorney General 's Office.
Consumer complaint received 2018-05-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

I contacted the credit reporting agency on XX/XX/XXXX by writing a statement disputing debts ( XXXX XXXX XXXX XXXX and Bankruptcy ) on my credit report. They responded that the debts were " verified '' but did not provide any information on how they were verified as is what is required by the FCRA. On XX/XX/XXXX, I sent a follow-up letter to credit reporting agency regarding the method of verification and according to the FCRA, they have 15 days to respond. To date, the 15 day extension has expired and I have received no response.
Consumer complaint received 2023-03-10
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. (IN)

I am writing to inform you that theirs a negative items on my credit report have passed the statute of limitations and should be removed from my credit report immediately. These item is no longer legally collectible, and their presence on my credit report is unfairly impacting my credit score. 

The negative items in question is : XXXX. XXXX XXXX XXXX ACCOUNT NUMBER # XXXX Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to remove negative items from a consumer 's credit report after they have passed the statute of limitations. 

I have verified that the items in question have passed the statute of limitations in my state, and I request that you remove them from my credit report immediately. Their continued presence on my credit report is in violation of the FCRA and is unfairly harming my credit score and my ability to access credit.
Consumer complaint received 2022-03-20
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. (TX)

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as a copy of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
Consumer complaint received 2021-03-05
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. (GA)

Factual Data Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXXnquiry from XXXX XXXXXXXX, XXXX XXXX
Consumer complaint received 2022-03-20
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. (MS)

The Credit companies are not complying with their own policies in a timely manner. A complaint was mailed on XX/XX/2022 and it's been over 30 days with no resolution.
Consumer complaint received 2018-12-26
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. (FL)

In XX/XX/2018, I submitted a dispute towards unverifiable items on my credit report, asking for proof of Original documentation of the transactions in question. I received neither proof or response in regards to any progress of reconciling and removing the improperly reported accounts.
Consumer complaint received 2019-04-30
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. (NY)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.
Consumer complaint received 2021-07-19
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: SIMMONS FIRST NATIONAL CORPORATION (TN)

Simmons First has been reporting inaccurate information to my credit reporting agency since XXXX of 2016. 

I have never had an account with this company. 

This company is stating that i owe them {$1900.00}, which i do not, this needs to be removed from my credit bureau, as soon as possible.
Consumer complaint received 2021-03-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MD)

On the beginning of XXXX I applied to refinance my house, I received a call from XXXX XXXX from Quicken Loan and On XX/XX/XXXX he sent me the approval for FHA loan with 2.25 % after I sent him all the papers work that he asked for. 
After that Quicken Loan wasted my time and basically doing nothing to go ahead on processing my loan, and every time someone call me from Quicken Loan they are all RUDE and unprofessional. 
They asked about a deferred balance in my renter property, and I told them that deferred balance, done in XXXX and I sked them that they can call the XX/XX/XXXX and have three way call to approve it, but I believe the employees at Quicken Loan were too lazy to do their job. 
On XX/XX/XXXX, I received a call from Quicken Loan and I spoke with XXXX XXXX and he was very rude and unprofessional and kept rushing me, and in the end he said there is nothing that he can do to find out if the deferred balance happened on XXXX, and he said that he can cancel my loan and he sent me the following email : Hello XXXX, We have been trying to reach you in order to proceed with your home loan. Unfortunately, due to regulations, we can no longer keep your loan in process. Your loan will be withdrawn today and the deposit will be processed if applicable. 

Please give me a call at XXXX XXXX XXXX XXXX, XXXX if you would like to revisit your opportunity to refinance. 

Sincerely, XX/XX/XXXX, XXXX XXXX XXXX XXXX Now Quicken Loan wasted my time and my chance to lower my interest to 2.25 %, and Quicken Loan put me in emotional stress because of the two months wasting my time the the way Quicken Loan treated me with rude ways.
Consumer complaint received 2023-03-10
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. (TX)

Experian removed 1 of the XXXX XXXX  accounts, but the other account where the original creditor is XXXX XXXX is still reporting. Please refer to complaint XXXX since I have already tried to get this resolved. I do appreciate Experian conducting an investigation and removing the other account. Unfortunately, this account has the same account number as the other collection that was reporting which is inaccurate. Also, I have no liabilities with XXXX whatsoever. The balance being reported is incorrect. Please remove this account from my credit report immediately. I have attached the cfpb complaint for reference.
Consumer complaint received 2022-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC (FL)

In XXXX I got many health problems but I don't remember what is this about there's two or three of this collection company trying to call every time they can I don't know where they get my information bit the was an old debtor from I don't remember much about XXXX of them after I couldn't pay they started to increase even double it up the amount that's why I tried to paid them but in most of the cases it was too much XXXX in was bad for everyone but they never cared that's what I remember about any of my old accounts that they are 15 or plus years
Consumer complaint received 2023-03-10
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. (IN)

I recently reviewed my credit report and noticed that the account I had with XXXX XXXX Auto loan is marked incorrectly and with Negative charge off! I paid off this loan entirely! 

I submitted my dispute letters to all the credit bureaus and XXXX  XXXX ( see enclosed ) and they clearly violated my rights as a consumer. I paid this loan off since XX/XX/2021. 

This has caused defamation to my creditworthiness, credit standing, credit capacity, XXXX  XXXX was required to notify me no later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation.

I requested the statement of accounting so they can prove i still owe them because i have my proof of payment. This charge off is inaccurate and needs to be removed immediately and marked as PAID IN FULL!
Consumer complaint received 2023-03-10
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. (CA)

My fico credit score is fluctuating alot. I just purchased a vehicle and they submitted several credit inquiries and made my credit score lower by XXXX points. I don't understand the extreme fluctuation of my credit score. I did have a bankruptcy in XXXX, but I have paid off my loans and closed accounts but my credit rating is still very low. Can you please explain this or help me fix this issue. I have a full time employment and home mortgage and utilities bills and some credit cards, but everything is up to date. Let me know if you need additional information from me like SSI #, etc.
Consumer complaint received 2018-05-08
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. (NC)

3 account from XXXX XXXX found in my credit report which I do not know or had business with. I file dispute with Experian and it appeared two of the accounts are deleted. One account still remains in my report and do not know the reason they keep one and delete the others. 
If two account for the same company were deleted I need to know why the third one still there? 
The company has been damaging my credit report since last year without my knowledge.
Consumer complaint received 2023-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

I started receiving collection notices for an accident with usaa on a car that I have never owned or driven. I filed a complaint with the state insurance commissioner and they got the insurance company to cease collection efforts. then the collection agency started calling again. I have proven to the insurance commissioner that i was not the driver in the accident. what else can be done complaint number and response from dept XXXX Posted By : State Posted On : XXXX XXXX, The company responded that they were ceasing recovery efforts from you. Can you please upload a copy of the latest documents. I will forward this to the company in a follow up inquiry letter. Thank you.- XXXX XXXX XXXX XXXX XXXX XXXX. 

Policy Insurance Card ID Number UNKNOWN Type of Policy Unknown Employer or Plan Sponsor Policy Number In what state was this policy purchased? 
Type of Insurance Automobile Specify if Other Claim Claim Number Date of Loss XXXX Other Party Other party 's name XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA Other party 's policy or claim number XXXX Complaint Details Detail of Complaint I RECEIVED AS NOTICE THAT USAA IS MAKING A CLAIM ON MY MOTORCYCLE INSURANCE THROUGH XXXX. THEY DECLINED COVERAGE AS THIS IS A MOTORCYCLE POLICY AND EVIDENTLY A CAR WAS BEING DRIVEN. I HAVE NOT BEEN IN ANY ACCIDENTS DONT EVEN KNOW WHAT THE DETAILS OF THIS EVENT ARE. XXXX SAID OUR VEHICLE WAS A XXXX XXXX OR SOMETHING. I DONT OWN A CAR LIKE THIS. tHEY ARE NOW SENDING ME TO COLLECTIONS AND I WILL INCLUDE THE REQUEST FOR PAYMENT IF THERE IS A PLACE ON THIS SITE TO UPLOAD Describe what you would consider to be a fair resolution to your complaint THEY NEED TO FIND WHO WAS ACTUALLY INVOLVED IN THIS ACCIDENT OR OWNES THE VEHICLE INVOLED
Consumer complaint received 2021-07-19
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: LEXISNEXIS (CA)

There is an unauthorized inquiry on my credit report from XXXX XXXX on or around XX/XX/2019. I did not give XXXX XXXX permission to pull my credit.
Consumer complaint received 2020-08-01
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. (AR)

Earlier this year there some fraudulent accounts appearing on my Equifax credit report, one being from a company called XXXX XXXX. After sending in several disputes and supporting documentation, Equifax removed the fraud related accounts including the XXXX XXXX account from my Equifax Credit Report. As of XX/XX/XXXX I received notification from my Equifax credit file that the XXXX XXXX has reported back on my credit report which is a violation of the Fair Credit Reporting Act in regards to sections 605b, 609, and 611.  This information has been blocked and included on both an identity theft and police report and should not be reappearing on my credit report.
Consumer complaint received 2024-02-08
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. (GA)

While I was in college, there was a data breach at our admissions office. I was later informed that I have had my personal data used. I was informed to start pulling my credit report for issues. I waited for a while and noticed 2 accounts I did not apply for. I filed a incident report and submitted it to the credit bureaus and lenders. But still have not helped me resolve the issue. I need help to remove these items. Please see the following : XXXX XXXX XXXX balance : {$00.00} opened : XX/XX/2022 XXXX XXXX XXXX : {$110.00} oened : XX/XX/ XXXX XXXX
Consumer complaint received 2023-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MT)

In XXXX I used my care credit card on XXXX XXXX for my dog. XXXX. I had XXXX XXXX and XXXX made it so I couldn't pay it. Last year my son passed in a car wreck I finally got clear enough to think contacted care credit who tells me the acct was written off. I check XXXX XXXX  and see this XXXX debt for this care credit debt that care credit has written off. They are showing it was incurred XXXX which is inaccurate. I dispute it and through the process of this I get a collection notice from another collection agency trying to collect this XXXX for XXXX. XXXX claims the debt is right I dispute again because I ow care credit not them, the dates aren't right and they have another collection agency trying to collect the debt for them while they are trying to collect on a debt care credit has written off. I can scan the original debt paperwork from XXXX XXXX XXXX  and the collection notice from the place XXXX hired. Just let me know if needed. I am on my phone or I would upload now.
Consumer complaint received 2020-08-01
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

I sold my husbands vehicle I was given 3 money gram money orders of {$500.00} each I went to Walmart to cash them 2 went through fine the 3rd was declined the clerk told me it might be because of having to many & to try another day. Yesterday went to try to cash it was still declined the clerk told me to use it here put in the reference number and it will tell me why it was declined so I just did it and it didnt really tell me why. I dont understand its a Walmart money order funds have been paid why cant I cash it
Consumer complaint received 2020-12-16
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. (GA)

I don't know anything about this account and would like if you can send me any type of proof or information which shows that I owe this money and who I owe it to? I want you to mark these account as disputed because I do not know anything about this account.
Consumer complaint received 2023-03-25
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX 's # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  XXXX XXXX, Account name : XXXX XXXX  # XXXX, Account name : 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 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.