davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-20
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)

15 U.S.C 1681 Section 602 A state I have a right to privacy. 

15 U.S.C 1681 SECTION C MO CONSUMER REPORTING agency may make any of the following items of information and other adverse item information other then records of convictions of crimes.
Consumer complaint received 2023-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

My automatic payment was returned as I didnt have enough funds in my checking account. I received no notice or warning of this after it happened. I only became aware of the situation nearly a month later when logging into the online portal for another reason. At this time, I contacted Carrington, who stated that I was not behind on payments and was not in default in any way. I inquired about making up the missed payment, and was advised that it had been corrected. 

A week later, I received notice of intent to foreclose from Carrington. I contacted them again at which point I was notified that while I was not delinquent, they did consider my payment later and that it would be reported to the credit bureaus. I asked again about the status of my account and was told I needed to make an additional payment to bring the account current. 

During this time, I was in the process of obtaining a debt consolidation HELOC, which has now been denied because Carrington reported me as have a late payment after telling me just a week before that I was not in arrears. As a result, I am now in a very bad situation where I no longer qualify for any type of loan because of their record on my credit report and am now being told I have to pay a double payment or theyll continue reporting me as late each month forever.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

went to a car dealership shopping for a car on XXXX. The car salesman did not have permission to run my credit report with 10 + different companies. I requested for these inquiries to be removed, I have also filed a complaint with identitytheft.gov.
Consumer complaint received 2023-04-10
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please eliminate this account in my file : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/ Balance : {$91.00}. Also, I never stayed at any of this addresses so please remove them : XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
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. (NJ)

Transunion XXXX XXXX XXXX XXXX PA XXXX Subject : Final Demand for Compliance with Opt-Out Request Pursuant to 15 UCC 6802 Dear Sir/Madam, I am writing to you regarding a matter of utmost importance concerning my consumer rights and obligations under the Uniform Commercial Code ( UCC ). As per my Opt-Out Notice pursuant to 15 UCC 6802, I have formally requested the removal of reported information from XXXX XXXX XXXX from your records . 

Despite multiple requests made by me, XXXX XXXX, Transunion Credit Bureau has failed to comply with my lawful request to remove the reported information from XXXX XXXX XXXX XXXX It is evident that your refusal to adhere to my request constitutes a clear violation of both my consumer rights and the UCC law. 

I hereby issue this final demand for Transunion Credit Bureau to immediately cease and desist from any further delay or refusal to remove the reported information from XXXX XXXX XXXX in accordance with my Opt-Out Notice. Failure to comply with this final demand will leave me with no choice but to take legal action against Transunion Credit Bureau for blatant violation of my consumer rights and the UCC law. 

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate steps to rectify the situation. Please acknowledge receipt of this final demand and confirm your compliance with my Opt-Out Notice within 10 Days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-20
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. (VA)

I have an Auto Loan through XXXX XXXX and have noticed inaccurate late payment reporting 's on my credit report. Upon finding these discrepancies I immediately disputed the late payments through the credit bureaus individually that reported incorrectly and no correction was made. Per section 312 of the Fair and Accurate Credit Transaction Act it is required by law to issue guidelines for furnishers regarding the accuracy and integrity of the information about consumers furnished to consumer reporting agencies ; prescribe regulations requiring furnishers to establish reasonable polices/procedures to implement the guidelines ; and issue regulations identifying the circumstances where a furnisher must reinvestigate a dispute about the accuracy of information in a consumer report based on a direct request from consumer. Furthermore, my rights were violated after requesting an investigation to rectify these inaccurate reporting 's and no changes were made. 
Listed below are the following incorrect reporting 's listed on my credit report that need to be corrected to appear as On Time Payments. 

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 2023-08-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I wrote a letter about false information on my credit report and more than 45 days later I still havent heard anything back. I think my complaint is being disregarded and that I am being victimized. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations. within 30 days is cause for immediate removal of all those allegations from my credit report. Given that it has been more than 60 days, they should probably be deleted. I demand that this account be terminated right away or else I pursue you for the anguish you put all my life. The Equifax Data breach exposed my information well as, and is feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 1 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2021-10-18
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. (AL)

I requested my Clarity Consumer Report and file and received the file in XX/XX/2021. 
I wrote a letter to dispute the consumer report mailed XX/XX/2021 as it had inaccurate information and violated my privacy. I received a letter dated XX/XX/2021 in response to my dispute saying that the information was deleted or corrected and a revised copy of my credit report was enclosed. the only enclosure was the Alabama Code, summary of my rights, and remedy for identity theft which lead me to believe that the report was deleted in its entirety. On XX/XX/2021 I receive another letter saying that the information was deleted or updated and that no action was taken on my disputed accounts because it was determined to be frivolous and that i clearly needed to identify why the information in my file was inaccurate. My file was attached to this letter unchanged along with the previously listed attachments. I never gave Clarity Services my express written permission to share my personal information or banking information. the information contained in this report violates 15 USC1681b, as well as 12 USC 3403 just to name a few.
Consumer complaint received 2023-09-13
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: EQUIFAX, INC. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$3500.00}
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERISAVE MORTGAGE CORPORATION (WA)

There was an unknown hard inquiry that showed up on my credit report from XXXXXXXX XXXX XXXXXXXX XXXX XXXX/Amerisave Mortgage on XX/XX/22 XXXX I was never in the market to purchase a home, nor did I give authorization for this unknown company to pull my credit report to obtain a home loan.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Mr. Cooper Group Inc. (GA)

I was late on my mortgage for a few months. The months that I was late was reported on my credit as delinquent for those specific months. Now Im on a forebearance paying back what I owe spit into XXXX months and paying my regular mortgage. Although those months have already been reported delinquent, they are not giving me credit on my credit report for my current regular payments that I have been making since XXXX of this year. They are still reporting as delinquent.
Consumer complaint received 2023-07-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

XXXX XXXX -- person me and my friends knew in a local gardening group in XXXX on XXXX was hacked and pretended to be selling XXXX XXXX  tickets. This person created a XXXX account that resembled their husbands name and asked to send money and sent fake photoshopped tickets. the hacker then deleted the account and started sending money in XXXX to other accounts that had XXXX friends and looked like were just created. XXXX was the XXXX account name. price was XXXX sent from my bank. I contacted XXXX immediately after sending this because I realized the tickets were photo shopped and a scam and they said they would report it to the fraud. However, they said that now I have a debt of {$750.00} that I owe and that they can't do anything about it.
Consumer complaint received 2021-02-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have been disputing CONTINUOUSLY since XX/XX/XXXX, to have the dismissed bankruptcy removed from my credit report. I kept getting responses that the account was accurate however, it can't be since it no longer legally exists! On XX/XX/XXXX I still continued to dispute the Bankruptcy with the bureaus however this time, they never responded! I sent another follow-up on XX/XX/XXXX regarding the same item. To this day, XX/XX/XXXX, I have yet to get a response from the bureaus of what they are doing with my account!
Consumer complaint received 2023-08-20
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. (SC)

In accordance with the Fair Credit Reporting Act. The list of inquiries has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXXXXXX 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 15 USC 1681 section 602 A 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 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make aany 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 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MO)

Every time I pay it seems like the total amount due goes way up. I have asked multiple times to lower the monthly payment. They tell me and then force me to do a forbearance and then when it 's over their like it will then be lowered. When it is time to pay and the forbearance is over, the monthly payment due is doubled. I have XXXX children and a XXXX that I take care of and it seems like I am struggling as it is let alone paying a ridiculously high payment that just keeps going up.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC (CA)

On XX/XX/2021, I submitted several financial accounts to EARLY WARNING SERVICES , LLC. Early Warning Services HAS INFORMED ME THAT some banks or financial institutions have answered my disputes REMOVING THEIR REPORTS. HOWEVER, EARLY WARNING SERVICES , LLC DOES NOT WANT TO PROVIDE ME THE RELEASE LETTERS. This morning XX/XX/2021, I made an appoinment with XXXX, who is an employee in that business for tomorrow XX/XX/XXXX at noon. This afternoon, XX/XX/2021, I was informed by phone that THERE IS ANY APPOINTMENT FOR TOMORROW, AND THAT I AM NOT ALLOW TO GO TO PICK MY LETTERS UP IN THAT BUSINESS. IN SHORT, EARLY WARNING SERVICES , LLC DOES NOT WANT TO PROVIDE ME THE RELEASE LETTERS FROM XXXX XXXX, XXXX XXXX, XXXX XXXX  ( TWO ACCOUNTS ), SO FAR. EARLY WARNING IS RETAINING ILLEGALLY THESE BANKS RELEASE LETTERS THAT HAVE BEEN SENT TO EARLY WARNING SERVICES SINCE ALMOST ONE MONTH AGO. I AM AFRAID EARLY WARNING IS PLANNING TO CONTINUE REPORTING THOSE ACCOUNTS ILLEGALLY.
Consumer complaint received 2018-04-19
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: EQUIFAX, INC. (AZ)

I am a victim of identity theft and been a victim of identity theft for over 11 years. I filed a police report with the XXXX County Sheriffs Office in regards to the following fraudulent and unauthorized accounts, and credit inquiries listed on my Equifax, XXXX and XXXX XXXX credit report : XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX   unsecured personal loan, XXXX XXXX XXXX XXXX credit card, collection account : XXXX XXXX XXXX, and XXXX XXXX XXXX  unsecured personal loan account # : XXXX for {$7500.00}, credit inquiries : XXXX XXXX and XXXX XXXX. The accounts are all fraudulent, arent mine, and dont belong to me. The police report case number is # : XXXX.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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  Account Number : XXXX and the rest.
Consumer complaint received 2023-05-23
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. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2019-04-15
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)

It is obvious that you dont have any proof on file to verify that these accounts belong on my file. When we go to litigation you will be required to produce the documents you used to verify these items through the discovery process and since you dont have any documents in your files verifying that these items are valid then that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be entitled to damages.
Consumer complaint received 2019-04-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (IN)

awhile before, unrecalled number, date, time, i received a call from what i believe scammer, who gave little information! 
then, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX ( XXXX ) XXXX ( XXXX ) XXXX XX/XX/2019 reported to collections account on my credit report, and intrusively observed all my information and invaded my privacy! 
Didnt verify any debt, pertaining to what, from whom, from origin! 
no rights, no contact, besides phone, of which, by phone, debt collector very quickly hung up, without answering any of my questions! 
XXXX paid by XXXX Credit card XXXX XX/XX/2019 settled {$1200.00} claimed debt for {$570.00} and deletion off of my credit report!