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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-15
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. (FL)

In accordance with the fair credit reporting act, XXXX XXXX  ( account # XXXX ), XXXX XXXX  ( account # XXXX, and account # XXXX ) have violated my rights. 
15 U.S. 1681 section 602 A states I have the right for privacy.

15 U.S, c1681 section 2 : it also says a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-11-04
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. (NV)

I disputed items with Tranunions and XXXX  on XX/XX/2020 and today is XX/XX/2020 and still no reply, its been well over 30 days and I would like for these accounts removed from my credit report.
Consumer complaint received 2019-03-24
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. (NY)

Information is reporting on my credit report that does not belong to me. I have never had a cell phone plan or a credit card. EVER! I only use pre-paid phones. And I have never used a credit card in my life. At the time that these accounts were opened, I was incarcerated. I complained to the FTC and also the FBOP because I am unable to obtain work or ever get a cell phone plan Please remove these items from my report XXXX/XXXX XXXX XXXX  - Opened XX/XX/2018 Balance {$1200.00} XXXX XXXX XXXX - Opened XX/XX/2018 Balace {$460.00}
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XXXX XXXX and XX/XX/2022 there were credit applications made on my behalf. One of them was for XXXX XXXX XXXX. The other was Capital One. And the last one was XXXX XXXX. 
This is NOT me. There should be a fraud alert on my account, but somehow they were still able to apply and get a credit check. The hard inquiries are hurting my credit. I need these taken off asap. Im trying to build my credit but someone is applying for credit cards in my name. I need advice on what to do.
Consumer complaint received 2019-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NY)

US Bank purchased my home mortgage. 
It was a no escrow loan at origination and the original lender did not require flood insurance. 
US bank later acquired the loan and demanded I obtain flood insurance. 
US bank then set up a forced placed escrow that I contested to pay flood insurance. 
US Bank then purchased their own flood insurance at a cost of about 3x the price of my own policy that I was in the process of obtaining anyway. 
I rejected their policy as was my right in favor of my own less expensive policy with he same coverage. 
I believe the policy US bank issued is with their affiliate and US Bank benefited from the transaction financially without disclosing the affiliated relationship to me. 
Despite my securing my own flood insurance US bank refuses to remove the forced placed escrow despite the fact i obtained and maintain a fully paid annual flood policy. 
US bank has permanently raised my monthly mortgage payment by hundreds of dollars per month against the terms of the note I signed. 
US Bank alleges I am in default and have threatened foreclosure, and have instituted aggressive collection action against me. 
I have paid my payments timely every month since inception of this loan based on the amount of the note and mortgage. 
US Bank has not used best practices in dealing with me as their customer and has set up a self serving " suspense '' account to hold my timely mortgage payments and deem them late each month due to what they call a " shortage ''. 
US bank is charging me late payment penalties and penalty interest on the fictional payment that they contrived that I refuse to pay. 
US bank is reporting to credit agencies that I am in default of my mortgage adversely affecting my credit rating despite my timely payments. 

I have exhausted all reasonable attempts to resolve this.
Consumer complaint received 2018-04-27
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. (NJ)

XXXX is reporting a credit card account on my credit that does not belong to me through XXXX, Experian, and XXXX. I did not authorize or had knowledge if this account. Furthermore, once I became aware of it via my credit report I noticed that it is reporting with big questionable errors. It looks fraudulent. It is reporting as XXXX XXXX XXXX account and XXXX account, Please see attached copy of my credit report. I am requesting that this fraudulent account XXXX and XXXX be permanently deleted because neither of them belongs to me effective immediately.
Consumer complaint received 2019-03-24
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. (AZ)

my credit score dropped 30 points when i got a refinane on a car loan paidoff previos loan im never late on payments the credit sites need to restructue there credit reports im very upset reading on other forems people have up tp 60 points on there creit score when getting a new loan unfair can you do somthing about it for all the peole in cludig yourselves send all coment to all the credit sites
Consumer complaint received 2020-01-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (MD)

I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2022-06-15
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)

n accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights to privacy. 

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 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This complaint is regarding a medical collection account on my credit report from XXXX XXXX XXXX. 
Under Section 611 ( 5 ) ( A ) of FCRA any account and all information pertaining to it should be promptly deleted if it can not be verified. 
I have sent XXXX letters to Transunion starting XXXX of XXXX asking to see verifiable proof ( hard evidence going all the way back to the original creditor, not verification from third-party database ) regarding this account. ( my first letter was on XX/XX/XXXX ). 

Under the FCRA, unverified accounts must be removed if Transunion is unable to provide a copy of verifiable proof. Their response was that the account is mine, without any hard evidence going all the way back to the ORIGINAL creditor and without verifiable proof. 
On XX/XX/XXXX I sent my second written request to them asking for a description of the procedures used to determine the accuracy of this account. But instead I received the same response- verified- without any documentation as asked. 
On XX/XX/XXXX of XXXX I sent my third written request to Transunion, asking them again to delete this account because they did not provide copy of any documentation ( hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Also, they did not provide the method of verification as required under section 611 ( a ) ( 7 ).

Again section 611 ( 5 ) ( A ) of the FCRA states that any information which can not be verified with proper documentation to be promptly deleted. 
On XX/XX/XXXX I sent my XXXX written letter to Transunion because the account is still on my credit report unverified. I did not receive copy of any original documentation for this account and no method of verification was provided. 
The account is still on my credit report. 
Also this account is on my report without a hipaa authorization. the medical collection does not have my hipaa authorization on file. 
All my letters have been sent certified mail with return receipt and signature on them. Also all letters were signed by a notary agent before sending them.
Consumer complaint received 2019-03-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (WI)

I purchased this truck through CREDIT ACCEPTANCE CORP after I filed for bankruptcy the vehicle loan was not included in the bankruptcy. I found out that CREDIT ACCEPTANCE CORP decided on their own to list the vehicle financing in the bankruptcy. I called the finance company and tried to explain that the vehicle was not included in the bankruptcy but the finance company wouldn't listen and has listed the loan on my credit report as closed and isn't reporting any payment information thus affecting my credit negatively. They now require me to sign a reaffirmation document which I should not have to sign because the loan wasn't included in the bankruptcy.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Regarding the reliability and correctness of your most recent inquiry into these accounts that are showing up on my credit report, I have concerns. I thought the item was not being reported legally, therefore last month I asked for an investigation. A few days ago, I received a letter informing me that you had stopped looking into my credit reports because you thought I had employed a third-party credit repair company. I think this is a flagrant violation of the FCRA as well as a stall tactic on your part to give you another 30 days to comply with my initial request.
Consumer complaint received 2022-06-13
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I never communicated with Capital One ( Auto Finance ) on XX/XX/2022, XX/XX/2022 or XX/XX/2022, XXXX XXXX XXXX on XX/XX/2022 or XX/XX/2022, XXXX XXXX XXXX or XXXX XXXX on XX/XX/2022 ( violation of 15 USC 1028 and 15 USC 1029 ).
Consumer complaint received 2022-06-15
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. (GA)

In accordance with the Fair Council Reporting Act, these following account numbers have violated my rights : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. 

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

15 U.S.C 1681 section 604 A Section 2. states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-15
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: AUTOMOTIVE CREDIT CORPORATION (PA)

I have filed complaints a couple other times against Automotive credit corporation. They were not reporting and were not reporting correctly to my credit profile on the XXXX accounts. They came back saying XXXX they updated the accounts to the bureau but had an issue reporting to XXXX. After that they stated XX/XX/XXXX they updated everything through XX/XX/XXXX. However as you can see on my credit report is still showing as later or XXXX days past due and not updated on payments for XX/XX/XXXX, XXXX, XX/XX/XXXX and now XXXX. All XXXX bureaus reflect nothing no payment at all good or bad. Status of the accounts are not updated as well
Consumer complaint received 2021-04-13
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. (TX)

I have few accounts on my credit report that is not belongs to me. Im XXXX person getting assistance from the state I dispute those accounts and the credit report cant remove it. Account are been placed different times or have been in my credit for more than 8 years
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The bankruptcy needs to be removed from my report. The bankruptcy case was filed in error. The case never entered judgement. The case was closed by the Judge. The trustee was cancelled. No money allocated. Judge order signed XX/XX/2018. Case # XXXX XXXX says they have been getting data from XXXX XXXX who is reporting I went through a bankruptcy. This is false. There was never any judgement. The judge closed the case XX/XX/2018. XXXX XXXX has been reporting false info. for years. I would like to sue for the false reporting. The case was filed in error and the Judge closed the case. I NEVER went through any bankruptcy judgment.
Consumer complaint received 2022-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

I HAVE REQUESTED A COPY OF THE ORIGINAL PROMISSORY NOTES FOR THIS ACCOUNT AS I KNOW THAT THE BALANCE IS GROSSLY INACCURATE. MOEHLA NOR THE XXXX HAS PROVIDED THE REQUESTED INFORMATION
Consumer complaint received 2022-06-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (NC)

I wrote to XXXX XXXX to get verification of account i have no knowledge of but XXXX XXXX said it was accurate and updated. I have not opened an account of any sort on XX/XX/2022 so i know this information is incorrect. My address is now with this company because XXXX XXXX has you to put it in for your dispute. I have never opened any account or have any knowledge who CBE is to do business with. My report states that they are the original who I started this account with but I have not. XXXX XXXX would not show me the original copies I asked them to produce on XXXX XXXX but XXXX XXXX did say it was accurate, how and I didnt do business with anyone on this date. I like this removed from my credit report it is causing me harm and injury.
Consumer complaint received 2020-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

aHello, I have student debt with FedLoan Servicing, the agency with whom I had to enroll to be in the PSLF ( Public Students Loan Forgiveness ) program. My account # is XXXX. FedLoan has been extremely poor in all aspects of their management of these loans, but the primary concern is that they continue to make inaccurate counts of my qualifying payments towards the PSLF program. I had a hand count done in the past showing each individual payment that counted and those that did not towards PSLF. FedLoan denied many of these payments saying that they were several cents from the full billed amount. I provided them with records from my previous servicer, XXXX XXXX, showing that these payments had in fact been paid in the full billed amounts at the time, and I have requested a recount. FedLoan has ignored my many requests for another hand count, and they have ignored the records that I supplied to them. They sent me a bill due in XX/XX/XXXXof last year, and I paid it when the bill became available in XX/XX/XXXX. They  considered that " paid ahead, '' and now they are telling me I am in " paid ahead '' status because I paid that bill directly through their website a few days early. These are completely their errors, all of them, and they can not be relied upon. I would like an outside agency or ombudsman to count my payments individually using the records I provided, since FedLoan does not manage their own information in any accurate way. Thank you.
Consumer complaint received 2022-06-15
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)

The bankruptcy needs to be removed from my report. The bankruptcy case was filed in error. The case never entered judgement. The case was closed by the Judge. The trustee was cancelled. No money allocated. Judge order signed XX/XX/2018. Case # XXXX Equifax says they have been getting data from XXXX XXXX who is reporting I went through a bankruptcy. This is false. There was never any judgement. The judge closed the case XX/XX/2018. XXXX XXXX has been reporting false info. for years. I would like to sue for the false reporting. The case was filed in error and the Judge closed the case. I NEVER went through any bankruptcy judgment.
Consumer complaint received 2022-06-13
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. (GA)

Each time I call this company I am advised that the issue will be corrected and it never does. I called the company regarding an error in their billing system where I had made a debit card payment and it never was applied to the account. After numerous calls they finally posted payment to the account but in the mean time the account was flagged as lat which is not correct. This company has violated Fair Credit Reporting Act by reporting inaccurate information. I was in the process of purchasing a home was denied due to the erroneous mistake of this company. I filed a complaint with the XXXX. I contacted them on XX/XX/2022 and I requested a manager and a lead name XXXX called me back and stated it was an error because I changed my payment date the system was apply 2 payments to the month of XXXX and it will be corrected and will make the correction on my credit report. Fast forward today all my reports are reporting inaccurate payment history and different payment history. According to the FCRA the creditor must report complete and accurate information to each bureau and therefore this company violated this act by report different payment history to each bureau. Im not making payments for this company to destroy my credit. 

Account Number for Bureaus : XXXX