davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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.

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.
Consumer complaint received 2022-10-15
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. (NY)

XXXX XXXX XXXX XXXX was place an on my credit report without my consent. 
According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

Equifax Dispute My name is NOT : XXXX XXXX XXXX I have NEVER lived at : XXXX XXXX XXXX, XXXX XXXX XXXX nor XXXX XXXX XXXX, XXXX, OH Hard Inquiry - XXXX XXXX  on XX/XX/XXXX is an unknown inquiry XXXX XXXX  - closed XX/XX/XXXX - XXXX balance XXXX XXXX - closed XX/XX/XXXX - XXXX balance XXXX XXXX  - closed XX/XX/XXXX - XXXX balance XXXX XXXX XXXX - XXXX - closed XX/XX/XXXX - XXXX balance ( XXXX ) XXXX XXXX XXXX - XXXX - closed XX/XX/XXXX - XXXX balance ( XXXX ) XXXX XXXX XXXX - XXXX - closed XX/XX/XXXX - XXXX balance ( XXXX ) XXXX XXXX XXXX - XXXX - closed XX/XX/XXXX - XXXX balance ( XXXX ) XXXX XXXX XXXX - XXXX - closed XX/XX/XXXX - XXXX balance ( XXXX ) XXXX XXXX XXXX - XXXX - closed XX/XX/XXXX - XXXX balance
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 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.

And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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.
Consumer complaint received 2022-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX was place an on my credit report without my consent. 
According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-12-01
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. (TX)

XXXX XXXX has send me a letter stating the account is not delinquent but the servicing company XXXX bank hired bXXXX XXXX XXXX is reporting incorrect information to the credit bureaus and reducing my credit scores. Documents showing the same are attached.
Consumer complaint received 2023-02-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to code 15 USC 1681 ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.I never gave written permission to anyone to put account XXXX XXXX XXXX XXXX on my credit history but it's showing on my transunion. Now I have a debt I don't know what it is and it's not from me. I have a right to privacy, I never gave written consent.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The collection agency advised me they informed the credit bureaus more than 45 days ago the item should not be on my credit report. Yet another example of an FCRA violation against me. As is the practice my credit score is lowered without cause. When I complain about the collection item not being removed it is then removed and the score put back to the incorrect score that was just lowered. My FICO score was lowered stating my credit debit ratio went from 19 % to 24 %. Now this is the same credit score that was paid down well below 30 % and the bureaus never increased my FICO. I ask the again who is advocating for me. I am one of probably millions of XXXX and XXXX  people that this systemic method of keeping some people restricted by unethical, unfair practices with regard to credit. XXXX XXXX advised XXXX was to be deleted 45 days ago.
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One has been spamming me with their ads for almost 2 weeks... often as many as 3 ads per DAY! 
Their ads do NOT have the delete or block option available ... .so I see their UNWANTED garbage and must delete each ad ... ..enough OF this already. I want those ads STOPPED... .permanently.
Consumer complaint received 2021-07-22
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. (FL)

The collection agency advised me they informed the credit bureaus more than 45 days ago the item should not be on my credit report. Yet another example of an FCRA violation against me. As is the practice my credit score is lowered without cause. When I complain about the collection item not being removed it is then removed and the score put back to the incorrect score that was just lowered. My FICO score was lowered stating my credit debit ratio went from 19 % to 24 %. Now this is the same credit score that was paid down well below 30 % and the bureaus never increased my FICO. I ask the again who is advocating for me. I am one of probably millions of XXXX and XXXX  people that this systemic method of keeping some people restricted by unethical, unfair practices with regard to credit. XXXX XXXX advised XXXX was to be deleted 45 days ago.
Consumer complaint received 2022-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TN)

My house loan contract says if I can pay of mortgage to 20 % of loan value the pmi will be cancelled as long as the the house was accessed to not drop below value. I saved all year to get to this point. I have requested and sent them XXXX $ fee for bpo as they requested. They sent me back an email saying that they refused to even evaluate or to remove PMI because I had not done significant upgrades to the house. Nowhere in the contract is anything mentioned about upgrades. I think this is dishonest and basically theft. The loan is managed by loancare. This is the last email I was sent " Unfortunately, we will not be able to proceed with your request. XXXX XXXX requires significant upgrades in order to proceed because your loan is under two years old. I have attached their guidelines for you to review. You may have to copy and paste if the link if doesnt open. Please be advised that once the loan is two years old, the list is no longer required to proceed. You will be refunded the {$100.00} paid for the BPO. ''
Consumer complaint received 2024-02-28
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Credit report agencies Trans Union XXXX XXXX Bankruptcy filing in error back in XXXX, never saw the light of day. 

All three agencies claim to have received verifications of public records from their correspondence with the bankruptcy court. 

I have called the bankruptcy court and was informed they " DO NOT '' report to credit agencies. I have asked to have that in writing and now have in my possession a letter from the Federal Bankruptcy XXXX XXXX XXXX XXXX Florida, clearly stating that what all three credit reporting agencies are claiming their correspondence with Court is a fabrication.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The collection agency advised me they informed the credit bureaus more than 45 days ago the item should not be on my credit report. Yet another example of an FCRA violation against me. As is the practice my credit score is lowered without cause. When I complain about the collection item not being removed it is then removed and the score put back to the incorrect score that was just lowered. My FICO score was lowered stating my credit debit ratio went from 19 % to 24 %. Now this is the same credit score that was paid down well below 30 % and the bureaus never increased my FICO. I ask the again who is advocating for me. I am one of probably millions of XXXX and XXXX  people that this systemic method of keeping some people restricted by unethical, unfair practices with regard to credit. XXXX XXXX advised XXXX was to be deleted 45 days ago.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my Transunion credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. The following inquiries are as follows : XXXX XXXX XXXX, XXXX F 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. If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Consumer complaint received 2022-12-16
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. (KY)

On my credit report XXXX XXXX charged this account off XX/XX/2020 Now they are reporting it as 90 days late payment since the charge off. They just added all this late payments when I disputed this account last month. Therefore it seems to be retribution and I cant even contact XXXX  XXXX. They have sold the debt to a collection agency so Im not sure how they are reporting 90 day late payment after they charged the account off. Im trying to settle this account but they are making it extremely difficult.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

BACK IN 2017 SOMEONE STOLE MY PERSONAL INFORMATION AND GOT A LOAN FROM XXXX XXXX XXXX. AS OF RIGHT NOW THIS ACCOUNT IS CLOSED AND IT HAS BEEN PAID SATISFACTORILY BUT SINCE THIS IS A FRAUDULENT ACCOUNT AND IT WAS NEVER MY ACCOUNT I WANT THIS ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. I HAVE CONTACTED THE XXXX XXXXXXXX XXXX NUMEROUS TIMES, I HAVE EMAILED THEM NUMEROUS TIMES, I HAVE SENT THEM MY IDENTITY THEFT REPORT AND NOTHING HAS BEEN DONE. I HAVE NOT RECEIVED ONE EMAIL RESPONSE FROM THEM. I AM KINDLY ASKING TO HAVE THAT FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. THANK YOU
Consumer complaint received 2024-03-05
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. (UT)

I am responding to the recent investigation findings, expressing my disagreement and emphasizing the importance of complete accuracy. I am dissatisfied with the extent of efforts made to contact the creditors responsible for reporting the information on my credit report. Consequently, I am requesting further information regarding these specific items categorized by bureau : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX$11000.00}. I am requesting the removal of all late marks associated with these accounts, asserting that I have consistently made timely payments. Furthermore, I urge you to conduct a thorough reinvestigation into the payment history of these accounts to verify my assertions, as I am confident in their accuracy. Please ensure that the payment history is updated accurately. As previously stated under the provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, I am requesting a reinvestigation and update of these disputed items. Kindly provide me with the names and addresses of the individuals contacted. You are allotted thirty ( 30 ) days from receipt of this letter to complete these actions, unless notified otherwise in accordance with 15 U.S.C. Section 1681i ( 5 ) ( A ). It should be understood that failure to verify within this timeframe constitutes non-verification, requiring prompt updating according to Section 1681i ( a ).
Consumer complaint received 2023-04-09
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)

i'am writing to dispute several accounts on my credit report in accordance with the fair credit reporting act the following accounts : XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX, SC XXXX phone number ( XXXX ) XXXX. 
XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX TX XXXX phone number ( XXXX ) XXXX. 
XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX phone number XXXX. 
XXXX XXXX XXXX account number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX phone number XXXX. 
XXXX  XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX phone number ( XXXX ) XXXX, has violated my rights. 
15 U.S.C 1681 section 602A states i have the right to privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnished a account without my written instructions.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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 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 XXXX XXXX XXXX
Consumer complaint received 2019-07-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC (TN)

I was referred to this company through XXXX XXXX which I took to be a reputable company because of the referral. I was skeptical because I have a chapter XXXX filed 3 years ago and sub par credit. 

I was granted a XXXX dollar loan which I expected to be a high interest loan. My complaint is that on top of the accrued daily interest they charge me they added XXXX dollars to the balance from day one. 

In looking at their terms more closely their rates and fees are not fair and are considered predatory in giving loans to someone who frankly cant afford to pay it off and I feel that is their game which ends up in collections where the balance due will balloon with fees.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (CO)

I am a victim of identity theft. I first became aware of this in XXXX of 2022 when Radius Global Solutions ( a debt collection agency ) called me about an XXXX XXXX account that was opened in my name in XXXX XXXX, NV with balance of {$840.00}. My credit report indicates that was for services from one of the two following addresses : XXXX XXXX XXXX, XXXX XXXX, NV XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX Both of these addresses are on my credit report and I have disputed them. 
There is also a Nevada phone number listed on my credit report : XXXX and I have verified with XXXX that an account was opened in my name using that phone number. 
I have never lived in Nevada and have never had a Nevada phone number and I have never had an account with XXXX. 
Radius Global Solutions bought this delinquent debt from XXXX and contacted me in XX/XX/2022. I explained to them that I have never lived in Nevada, owned property there or had an account with XXXX. Radius Global Solutions continues to report this fraudulent information to the Credit Bureaus and it has destroyed my credit. I want this removed once and for all. I have repeatedly tried to contact the company to no avail. I have never received anything in writing regarding this and only today have been able to get a reference number from Radius Global Solutions. However they were unable to help me resolve the issue, as all their staff work in XXXX and can not give me any information other than the reference number.