davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Unvalidated debt was deleted and than reported again. 
Further requested information has never been investigated, no investigation report has ever been received. See attached correspondence. According to FCRA unverified, unvalidated account must be removed from the inquiry initiated by the customer after 30 days. 
Please see attached letter. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very critical that you please investigate and resolve as this is harmful to my character and is obstructing my capability to obtain mortgage. I was already being denied for car financing and lease. So, in addition to the statutory damages, I will include punitive damages in my legal complaint if this matter fails to be resolved as soon as possible.
Consumer complaint received 2022-10-10
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: EQUIFAX, INC. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I initiated a dispute online with Trans Union. There were several items that were paid and not showing correctly and XXXX items that were paid to the hospital and should not have been reported. Once I received the investigation results the XXXX items that should not have been report were listed as Verified and Not Updated. I called the issuing company and they confirmed that they reported to the Credit Bureau that those accounts did not belong to their company and to contact the original creditor. They sent me a letter stating that as well. I then contacted the Hospital ( original creditor ) they confirm that the account was satisfied. I called Trans Union XXXX to get a better understanding. Today being the XXXX call. I spoke with the initial rep who was having computer problems as was the case XXXX days before. I requested a supervisor who was also unable to help me and requested again that I call back at a later time. I do n't understand why the information was not removed from my credit report. If the creditor did not verify it as their account why was it not removed. I would like the XXXX items removed.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE (MN)

On XX/XX/22 I tried contacting Huntington via chat to downgrade my checking account which is costing me $ XXXX. The chat rep said she could not do it on her own. She was only able to provide me a regular business number to call but could not provide a XXXX  number as requested. I am not able to go into branch due to XXXX XXXX XXXX so I am left with no options to stop getting this fee.
Consumer complaint received 2022-12-03
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. (NY)

I Dispute this account to Experian, XXXX, and XXXX. 
However the credit bureaus said that they have completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to and How did they complete this investigation.
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (FL)

This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am.

1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account.

2. I also want to know who is the original creditor?

3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to.
Consumer complaint received 2024-03-08
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: EQUIFAX, INC. (TX)

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, XXXX XXXX  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 2 out of 3 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 :
Consumer complaint received 2021-04-15
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SUNRISE CREDIT SERVICES, INC (UT)

During a phone call on XX/XX/21 at XXXXXXXX XXXX XXXX  with Sunrise Credit Services , Inc . I requested a copy of the invoice or bill they were calling about because I believed it was paid. The agent continually instructed me to go to their website, which I explained I had first attempted when I received their letter and was taken to a foreign website which I was not comfortable with. She aggressively told me to get on the computer and listen to her. I again stated I wanted a copy of the invoice mailed to me for review and that I didnt want to view it on line as I was not comfortable with their company website, She again told me to be quite and listen to her instructions. I again told her it was my right to request a written copy of the invoice. She loudly told me I needed to listen to her and do as she said. I told her I was going to file a complaint regarding her attitude and she hung up. 
The mailing address of the company is XXXX, NY, but the website www.sunrisecreditservices.com goes to a foreign site. I feel this is a deceptive firm that is not abiding by US laws and regulations.
Consumer complaint received 2024-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (SC)

This dispute pertains to the information reported by your agency under the permissible purposes underline in 15 USC 1681B as well as my request for blocking information related to identity theft under 15 USC 1681C2 I recently attained a copy of my credit report from your agency and have identified The following inquiries account name XXXX XXXX XXXX this inaccuracy such as the account itself the balance delete payment, and the account status is false due to identity fraud on the 15 USC 1681B consumer reporting agency must ensure that the information they report is used for permissible purposes only I am disputing the accuracy of this information as it has a significant impact on my credit worthiness. I request a thorough investigation into the accuracy of this information as required by feeding USC 1681B additionally, I also sent in proof of identification and address to update update my account with my personal information. I have hear nothing back from nor credit union..
Consumer complaint received 2022-10-10
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX ACCT # XXXX, XXXX XXXX XXXX  XXXX ACCT # 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 an account without my written instructions.

I already tried to reach out with the Credit Bureaus regarding these collection issues with but is still not being resolved.
Consumer complaint received 2022-02-16
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: EQUIFAX, INC. (TX)

No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 )
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

I had spoken with Discover Bank Credit on XX/XX/2022 as I was notified that an inquiry was done in my name for a credit card on XX/XX/2022 ( I called because I did not make this inquiry and wanted it removed from my credit report ). The banker informed me that there was no inquiry in my name and that I had nothing to worry about. On XX/XX/2022 I received a credit card from Discover bank that I did not apply for.
Consumer complaint received 2022-02-16
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. (AL)

I sent a letter to transunion with a ftc report stating that there are unauthorized inquiries on my credit report. Transunion has responded saying it appears it was from a credit repair company. I am not a credit repair company. I sent a letter and ftc report because I am a victim of identity theft. My information has been compromised. I was a part of the XXXX breach. I want these inquiries removed immediately. This is hindering my life and finances. I have attached a new ftc report and I demand these inquiries be removed immediately.
Consumer complaint received 2021-06-14
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. (LA)

These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 45 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report. It has been 45 days, so they should be erased immediately.
Consumer complaint received 2022-07-01
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. (NV)

Auto loans or leases Total balance : {$16000.00} XXXX XXXX XXXX Balance {$16000.00} Updated on XX/XX/XXXX I started a lease with XXXX XXXX for a XXXX XXXX XXXX XXXX on XXXX XXXX. By XX/XX/XXXX there was a serious retread tire problem on this new vehicle and I almost had a serious car accident. This happened within the first 30 miles of driving this vehicle. 

To make a long story short, The XXXX XXXX Elder Law Attorney sent the dealership 1 letter and I was given the option of being release from the loan and by XX/XX/XXXX this auto loan was resent. All docs were signed and my deposit was returned buy XX/XX/XXXX. Release of liability and other DMV docs are attached. 

I called XXXX XXXX Friday, XX/XX/XXXX to find out why the XXXX loan is still on my credit report, they told me that the account was closed out and it would take 3 business day to be corrected on my credit report. XXXX XXXX Loan is still on my credit report and my XXXX has already denied me for a car loan. Moved here ( XX/XX/XXXX ) to XXXX, NV to work but can not work until I get an Auto. This credit auto loan with XXXX XXXX is closed on their end but is creating a problem plus hinders me from buying a new vehicle. Please help me, I am a senior and do not need this headache.
Consumer complaint received 2022-10-10
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. (NC)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2021-03-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IL)

I called the LVNV on XX/XX/2021, trying to figure out where the debt was coming from. I spoke with a representative who told me it was for XXXX XXXX, and I owed them XXXX dollars. I explained that that is incorrect, seeing as I have the final bill and I owed XXXX at the account closing time. She told me that my final bill was XXXX dollars, and we bickered back and forth. She asked if I wanted something verifying the mail 's debt, and I said yes : I have yet to receive anything In the mail. I reported them to XXXX, and somehow they verified the obligation to them, but not me. On XXXX, they moved the account from Open to Closed without any explanation, and also on XXXX, I was informed that the debt has yet to be valid. However, I have not received anything showing that I owe a debt to LVNV.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Onity Group Inc. (CT)

We were in the process of refinancing when our title company when we learned that GMAC recorded a lien in error in XX/XX/XXXX. We had resend within our rights and a few days later we closed with GMAC and that lien was recorded as well. 

We are working with the title company XXXX XXXX  XXXX at a XXXX Connecticut and theyre stuck and not able to remove this error of a recorded lean which is not on our credit report. GMAC was Bought out by XXXX  who has since been bought out by PHH
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (TN)

I have suffered with the XXXX Virus 2 times. XX/XX/XXXX and again recently XX/XX/XXXX after taking the XXXX XXXX XXXX. BSI Has refused to offer mortgage assistance or a forbearance to me so I can keep my home from foreclosing. Received foreclosure letter from foreclosure attorney dated XX/XX/XXXX but received it in the mail. XX/XX/XXXX, XXXX.The Tennessee law states I was to receive 30 day notice prior to the foreclosure sale of which it is only a few days prior to the sale date. I was affected by XXXX and we have been under a foreclosure moratorium since XXXX of XXXX. BSI customer service is rude, unwilling to help homeowners and they disregard federal laws moving forward with foreclosing on homes. I'm a elderly woman who has filed bankruptcy several times to keep my house from foreclosing and keep a roof over my head. I have requested mortgage assistance several time, BSI will not work with me. I Need Help
Consumer complaint received 2022-07-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-06-14
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. (MI)

On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2021-06-14
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. (MI)

On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.