davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-06
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)

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 XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  : XXXX XXXX XXXX via XXXX Credit Bureau, has violated my rights. 
XXXX XXXX  : XXXX XXXX, has violated my rights. 
XXXX XXXX  : XXXX XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without any written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the reports 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 2021-11-06
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. (GA)

To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 

XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$780.00} There are no contracts, no valid claim ... accounts were settled with original creditors, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Consumer complaint received 2019-03-21
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. (WA)

I sent investigation requests to the credit bureau back in XXXX. They were supposed to sent the results within 30 days, but I have not received responses.
Consumer complaint received 2024-03-03
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. (CA)

XX/XX/year> a fraudulent account reported on all 3 credit reports that I had no knowledge of. Im a victim of identity theft and Im submitting the documents to have all accounts blocked off my credit reports and also stop XXXX XXXXXXXX XXXX for attempting to collect a debt
Consumer complaint received 2022-05-06
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: WELLS FARGO & COMPANY (SC)

I received a Letter from Wells Fargo dated XX/XX/2022 denying me a credit card. ( Application XXXX ) In the letter was information from XXXX about my negative credit rating ( XXXX ) and delinquencies on payments. 
1. I never applied for this credit card. 
2. My credit rating has always been in the high XXXX or low XXXX. 
I checked with XXXX on XX/XX/2022 my credit score was XXXX ). 
3. I contacted Wells Fargo four times by phone informing them I did not apply for their credit card and to immediately cancel the fraudulent application. 
4. The result of all four phone contacts is that Wells Fargo has not cancelled the application. 
5. If Wells Fargo does not cancel this fraudulent application but instead categorizes it as being denied for credit issues while using erroneous, incorrect information it will appear on my credit report as being denied. 
6. Wells Fargo obviously furnished XXXX incorrect information from a fraudulent application that was not my correct information. 
7. I received a letter and five page Declaration of Fraud form from Wells Fargo. The form asks me to investigate whether or not this is a fraudulent application. Additionally the form threatens me with criminal prosecution if I submit a false declaration. 
8. I am unclear why and how I am responsible for investigation of this fraudulent application. Particularly since it was Wells Fargo that submitted erroneous, falsified information about me to XXXX. I have never experienced this level of arrogance, and unprofessional behavior from a service company that charges fees for their services. I have been a professional government official for 50 years and have never witnesses this level of incompetence.
Consumer complaint received 2022-10-18
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: Experian Information Solutions Inc. (KS)

Experian reported a hard inquiry from XXXX on XXXX/XXXX/2022. I didnt recognize this and called the associated number in credit report XXXX. Call goes in circles through a touch tome prompt not letting me get anywhere because I dont have an account with them and my ssn isnt recognized. After 20 minutes I finally got to a live person and was transferred to XXXX XXXX. I stated my issue then our call was disconnected and I am unable to get back to a live person. I am looking for more information and want them to provide me with support for the credit pull so I can determine if I need to take additional identity theft prevention measures. 
I called Experian and they could not help and directed me to XXXX.
Consumer complaint received 2022-05-06
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. (SC)

I have reached out to XXXX with account number XXXX and talked to them about the issue with my account as reported by the 3 Credit Bureaus. They have advised me that they will remove the late status on my accounts however, as I reviewed my recent report, the late status is still reported. I am not sure how the Bureaus came up with this remark. They have failed to investigate properly. Also, the comments do not confirm to the payment history that is being shown in my report. Please update the status of this account immediately.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

The following inquiries and personal information were inaccurate and unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Bureau 's investigation. I have already addressed this issue to the Bureaus but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries and personal information that should be removed : Addresses XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, OH XXXX Employer XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The following items are found to be erroneous in my credit report. I would like to seek your help to have these items blocked from reporting in my credit report. All the accounts listed below were closed and fully paid to the creditors but the Bureaus kept on reporting the same accounts without supporting documents submitted to me. Besides, they have failed to contact me about the issue which I have already addressed to them in my previous letters. Have these items removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC (PA)

Obtained solar from a XXXX XXXX sales person at our home. We signed on a XXXX  to run for us to get a loan with XXXX XXXX  and it didn't approve. We signed nothing else and he said he would run it through others and said we were approved through Goodleap. Our solar was installed early XXXX and has never ever worked properly yet Goodleap released the entire loan amount to XXXX  before they even completed the project or had the system working properly. We were told what the payment would be but never received the actual loan papers until we called and complained. Upon receiving these we discovered our information was inputted by the sales person via the original docusign we completed. We also were told that our payment would stay stable if we applied the 26 % tax refund we would receive on the system to our loan. Afterwards we found out that it simply is a tax credit and our loan would go up over XXXX unless we paid a lump sum of over XXXX before XXXX payment. XXXX  and Goodleap the lender knew these promises and practices were not true and used shady sales and lies to sell us a subpar system that is way under valued for what we paid. We have to have another company service us which will also cost us money and Goodleap takes no responsibility for their practices. We have a at most XXXX system that will cost over XXXX due to overpriced products and predatory lending practices.
Consumer complaint received 2018-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NY)

I received a bill and numerous phone calls from XXXX XXXX. I explained that I know nothing about the debt and to please send me proof of it. They claim it was from XX/XX/XXXX and the debt is for {$1000.00} from XXXX. The bill says I could settle for {$350.00}. I have now asked 4x for  proof of debt to no avail. Today I saw it was on my credit report and account opened XX/XX/XXXX. This is total nonsense. I have had XXXX for as long as I can remember. I need assistance. Thank you
Consumer complaint received 2019-03-21
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: EQUIFAX, INC. (WA)

I sent investigation requests to the credit bureau back in XXXX. They were supposed to sent the results within 30 days, but I have not received responses.
Consumer complaint received 2022-05-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (CO)

At best, Better mortgage has been negligent. At worst, we are victims of malicious intent. 
After pre-approval, Better waited until the day of our financing deadline to look at our file. When they couldnt resolve the issues, issues that we had communicated early and assumed were handled, they decided to deny us. 

Our timeline : XX/XX/XXXX - Preapproved to purchase a home up to {$640000.00}. 
XX/XX/XXXX - We provided our contract to buy to Better Mortgage, with deadlines. 
XX/XX/XXXX - We clarified an income question on a call with our loan officer and were assured that we were still well-qualified for the home. 
XX/XX/XXXX - Financing deadline. 
XX/XX/XXXX - Better Mortgage reached out with the same question we clarified on XX/XX/XXXX. Better Mortgage asked us to extend our financing deadline. The seller refused. 
XX/XX/XXXX - Better Mortgage advised us that there is not a path forward and to pursue our application with other lenders. 
XX/XX/XXXX - Our target closing date. 

Our financial picture did not decrease in any way. It actually improved- we paid off credit card debt and saw our credit scores increase. 

Better Mortgage systematically was unreachable ( 4 day lead time to speak to our loan officer ) and did not communicate problems to us until the day of the deadline. They failed to process our information. We leased our apartment to new tenants. Our earnest money ( {$6100.00} ) is forfeit after they failed to meet deadline. We do not know where we are going to live after XX/XX/XXXX. 

We suspect Better Mortgage is denying us because they either do not want to honor our rate lock, or because they were delayed in our application, they do not want to honor their BetteXXXX Closing Guarantee, which promises $ XXXX credit at close if XXXX has to delay our closing date.
Consumer complaint received 2022-05-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (TX)

Hyundai motor finance charged me the sales tax as part of the lease end buy out payment and are not issuing me any receipt for the tax. This makes me to pay sales tax again. 

I have been calling them for a month and they keep saying they sent request to back office and the only option. was told is to call back after 5-8 business days. 




With no hope with XXXX, trying to see if I can get help.
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

This matter pertains to the Equifax credit reporting agency. The problem is this - my credit file has been entirely deleted. It is not accessible by myself or other creditors, and it's been this way for the last 6 weeks or so. When I first discovered that pertinent information was missing from my file, I called Equifax to report it. Shortly after I called, my credit file was completed deleted - there was no information on it. I have repeatedly called Equifax about this problem and they continue to do nothing. I even called the corporate office and they told me that nothing could be done. Two days ago, I applied for a mortgage with a credit union and they've informed me that nothing came back from Equifax, that the file was blank.
Consumer complaint received 2021-11-06
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: Experian Information Solutions Inc. (GA)

Please respond to my complaint. I am authorizing that I am XXXX XXXX XXXX. Please do not mark this as a duplicate. I sent Experian, XXXX and XXXX a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries and the method of verification to be sent to me. I have attached the FTC ID Theft Report & proof of service. The FTC ID is # XXXX. 
As of today XX/XX/2021, I have not received any proof of validation or any written Method Of Verification from Experian. I have fully investigated my rights in this matter. This is in violation of my consumer rights under Section 611 ( 6 ) ( a ) of the FCRA, which states that a consumer reporting agency shall provide written notice to the consumer of the results of the reinvestigation no later than 5 days after the completed reinvestigation. It also violates my rights under Section 611 ( 7 ) of the FCRA that states a description of the reinvestigation procedure shall be provided no later than 15 days after receiving a request from the consumer.
Consumer complaint received 2022-11-19
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. (CA)

I ordered a copy of my report in Identity IQ and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / Experian / XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of these listed accounts below. I believe it was reported in error. 
XXXX XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2019-03-21
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: Experian Information Solutions Inc. (FL)

The last 23 hard inquiries are Unauthorized Credit Inquiry Identity theft Police Report # XXXX Last attempt before lawsuit. 

Dear Sir / Madam I recently obtained a copy of my credit report from XXXX, Experian, andXXXX. It indicated that 25 credit inquiry was made! 
However, these inquiries were not authorized and I was victim of Identity Theft Therefore, I am writing to dispute the last 23 inquiries and have it removed from my credit report IMMEDIATELY, the police department has done the investigation. 

Please have these inquiries removed from my credit report. 

Please forward any documentation that you may have in regards to the removal of these credit inquiries. 



Thank you for your prompt assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: NRA Group, LLC (MA)

Receiving daily telephone call ( s ) from XXXX XXXX XXXX identifying themselves as from an attorney 's office and I am unable to decifer the name after asking 3 times. They ask me to confirm that my name is " prior married name ". I ask what they want and they repeat the question. I responded yes and they hang up. 

The next call from that number was asking me if I was a different name - my maiden name which I recently change to. When I asked for clarification, they hung up. 

I have received a total of 6 calls in approx 2 days. They never divulge what they want after attempting to verify my name ( s )
Consumer complaint received 2022-05-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I sent a letter dated XX/XX/2022 with accompanying documents to all three credit bureaus via Certified Mail asking to change my name and XXXX XXXX  ( where applicable ) in all of their systems. I specifically requested that my name be reflected in my credit information, including my online accounts as neither credit bureau lets you update it yourself or online. I spoke with each credit bureau separately to get the current instructions to update my name and XXXX XXXX in their system and included every piece of information they asked for in this letter and I made the same specific requests I listed above in my letter. I also included copies of my court order approving my name/XXXX XXXXr, my driver license, a pay stub, and a bank statement. None of the bureaus let you go through the dispute process to do this. About a month or two later ( unfortunately, I don't remember the exact date. ) I got a random credit report in the mail with zero explanation of my dispute. I saw that my legal name was listed in my report and that was it. To date, I have not received a single piece of information about my dispute, what was done about it, conclusion of it, etc. I have no idea what is going on with my information. When I log into my online accounts, it still has my dead name on my accounts and it is very frustrating and distressing to see it when it should an easy fix. Throughout this process, I have received random emails about a " dispute resolution '' from XXXX with a reference code to log in and access the information. Every single time I try to read this alleged " resolution '' it always says that it can not provide with the information. It is absurd. The credit bureaus have integrated all other changes to my contact information from my banks, yet refuse to update my name when I updated it with my banks. I feel discriminated against as a XXXX person that my information is being treated differently than other consumers. I am baffled and incensed that three major credit bureaus can not manage to provide direct, decipherable information when they require extremely sensitive and private information from consumers. For example, I have been trying to submit an online dispute on XXXXXXXX XXXX website for the past week and a half and the webpage doesn't work, so the only option is to call them, which is impossible and useless. Consumers have the right to submit disputes, especially in ways that are accessible to all consumers.