davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-02
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: Experian Information Solutions Inc. (TX)

I have been trying to get an issue resolved with the bureaus in regards of some accounts that aren't mines, I have been a victim of identity fraud and there has been several situations of unauthorized accounts coming up, the bureaus tell me to send a ftc report to get them remove so they have proof I filed a report. I want these items permanently blocked and removed from my report, I took precautions and blocked my reports added security and fraud alerts for my protection.
Consumer complaint received 2018-11-02
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: EQUIFAX, INC. (TX)

I have been trying to get an issue resolved with the bureaus in regards of some accounts that aren't mines, I have been a victim of identity fraud and there has been several situations of unauthorized accounts coming up, the bureaus tell me to send a ftc report to get them remove so they have proof I filed a report. I want these items permanently blocked and removed from my report, I took precautions and blocked my reports added security and fraud alerts for my protection.
Consumer complaint received 2018-11-02
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. (IL)

There are Student Loans from XXXX XXXX reporting on my credit report. I have tried several times to inform XXXX XXXX these are not my accounts, as well as dispute the information and request verification from the Credit Bureaus, with no success.
Consumer complaint received 2018-11-02
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. (IL)

There are Student Loans from XXXX XXXX reporting on my credit report. I have tried several times to inform XXXX XXXX these are not my accounts, as well as dispute the information and request verification from the Credit Bureaus, with no success.
Consumer complaint received 2017-07-04
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. (NY)

I spoke with XXXX XXXX XXXX corporate office in regards to a debt that is appearing on my credit reports. After numerous phone calls it has been agreed that XXXX XXXX XXXX  would delete the information they were reporting to the 3 major credit reporting agency 's. I was told to re-dispute the account with the credit reporting agency 's again and they will respond to give verification to delete this account off my credit reports. I followed what they said and today I received notification from XXXX credit reporting that the information has been verified as belonging to me and updated. This account does not belong on my credit reports and is causing my credit score to decrease in a negative way. I am submitting this complaint about XXXX XXXX XXXX and XXXX. I last checked and XXXX had removed this account and deleted it off my credit report so they are responding to delete it however XXXX  just keeps updating it and not deleting it off my report along with experian it is still reporting.
Consumer complaint received 2019-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OK)

In XX/XX/XXXX I applied for a home loan modification due to falling behind on mortgage because my wife had XXXX XXXX and lost her job. In XX/XX/XXXX I received a call from Bayview loan servicing to let me know I had been approved and the trial mod pmts would start on XX/XX/XXXX. I called a few days later to ask if i could go ahead and schedule ( 2 ) 1/2 pmts in XXXX to pay for XX/XX/XXXX pmt, i was told yes. I was then sent out the modification paperwork to sign and return, papers stated we would have 3 trial pmts and then it would be approved for first MOD pmt on XX/XX/XXXX. I made each of those trial pmts in the month before the due date. In XXXX i called to make a pmt and the system was telling me i was due for XXXX, there was not way that was correct as i had made the pmt for XXXX in XXXX ( this shows on Bayview 's pmt detail ) They stated at that time they would correct this they had misapplied a payment i had sent in. In XX/XX/XXXX there were 56 transactions made on my acct for them trying to fix their mistake and another 69 transactions in XX/XX/XXXX. As looking down through the pmt history i could see where the due date kept switching from XXXX to XXXX back to XXXX and never being updated to the current month that i was due for. I called several times to Bayview for them to fix the problem each time them stating they would escalate it and correct my credit report. Then after disputing them each time they would send a letter stating they could not retract the credit ratings due to being contractually late ( i was never late on a pmt once we entered the modification ) i have filed disputes with all 3 credit bureaus as well. i again called on XX/XX/XXXX to open another case each time i get a different reason why they can not fix the mistakes they made and update my credit report. we are trying to purchase another home and to get away from this horrible company that continues to do this to hundreds of customers. i have all the payment history from their website showing all the transactions and if you follow it you can plainly see where i made all pmts and a pmt in XXXX was reversed and never posted back. I need my credit report updated from this company and after 2 years of them not complying i will now be taking further actions on the company.
Consumer complaint received 2018-11-02
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. (IL)

There are Student Loans from XXXX XXXX reporting on my credit report. I have tried several times to inform XXXX XXXX these are not my accounts, as well as dispute the information and request verification from the Credit Bureaus, with no success.
Consumer complaint received 2018-11-02
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. (IL)

On XX/XX/2018 I submitted an initial dispute to all three credit bureaus, specifically requesting the validation of debt that I was disputing on my credit report and the removal of such accounts is the proof was not produced. On XX/XX/2018, I sent a second dispute letter to all bureaus reminding them of the fair credit reporting act and their obligations as companies that furnish such information. I have yet to receive any proof of the debts/ accounts I am disputing. The 30 days for each letter has passed and the dispute has not been handled properly under the consumer laws of the FCRA. Each of these debts have been disputed and deleted in the past and keeps reappearing on my credit report, being either sold or charged off each time they are disputed. The specific accounts I am disputing have made it to the collections section of my credit report which is heavily damaging my credit score. The credit bureaus have failed me as a consumer by not ensuring that the information being reported by them is identified correctly. I am requesting that once and for all these accounts be deleted from my credit report.
Consumer complaint received 2017-07-04
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. (SC)

I have contacted transunion and customer service would not help and take care of the negative inquiries reporting to your credit report. They are as follows ... XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX  XXXX Inquiry from XXXXXX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, and XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2018-11-02
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. (MD)

I applied for financing via XXXX XXXX on XX/XX/18. I received an immediate denial letter stating my credit score was XXXX reported by XXXX. I have an Equifax account which shows my XXXX  score being XXXX as of XX/XX/18. I've tried reaching out to XXXX  with no results.
Consumer complaint received 2023-03-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

When I called a representative kindly agreed to have this late payment removed from my account now that it has been paid in full and I have since been on time with all recent payments. XXXX XXXX XXXXXXXX ACCOUNT # XXXX Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) The report contains information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( XXXX ) and the person ( XXXX XXXX XXXXXXXX XXXX Making the report is NOT INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
THE COMPANY HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Consumer complaint received 2023-03-21
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 XXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-07-11
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. (PA)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Im a victim of identity theft and did not make the charge. I ask that the following items be deleted to correct my credit record. I reported the theft of my identity to the federal trade commission and I also have copies of the federal trade commissions identity theft affidavit. Please see attached documents and ID as it contains my full complaint and request.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Consumer complaint received 2019-05-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (MN)

Four months ago I took out a payday loan for {$500.00} from Amplify XXXX. I have paid {$170.00} every month until I asked a loan officer and was told I was paying 400 % interest on the loan. I was not told this when I was approved over the phone after applying online. I have contacted the Minnesota Attorney Generals Office and the Minnesota Department of Commerce who besides their investigation, recommended that I contact you as well. I want my loan dismissed and my money I made payments be returned. The are apparanty owned by a XXXX XXXX XXXX XXXX..they are NOT licensed to give loans in the state of Minnesota. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX . XXXX XXXX Minnesota XXXX I received no loan documents
Consumer complaint received 2018-11-02
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. (FL)

XXXX XXXX  XXXX and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 
13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 
14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 
15. Provide verification from the stated creditor that you are authorized to act for them. 
16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
Consumer complaint received 2018-11-02
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: Experian Information Solutions Inc. (CA)

I have sent two request to remove an inaccurate item on my credit report. Once on XX/XX/XXXX and again on XX/XX/XXXX of 2018 I have received a response both times stating that its valid and verified. On the second letter I requested for them to let me know method of verification because I know that I didnt not have a loan out and the item they are reporting monthly is not accurate and my rights are being violated. I have not been sent anything showing how they verified or investigated
Consumer complaint received 2019-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NV)

XXXX XXXX IS ATTEMPTING TO COLLECT {$290.00} FOR CREDIT CARD CHARGES THEY SAY I OWE ( FROM THE DEPT STORE KNOWN AS XXXX OF FLORIDA ). I DID NOT INCUR THESE CHARGES AND RARELY USED THE CARD. I CLOSED THE ACCOUNT WITH XXXX WHEN I MOVED OUT OF STATE. IN ADDITION, AND MOST IMPORTANTLY, I NEVER GOT A BILL FROM THE DEPARTMENT STORE! APPARENTLY, THIS IS A RESULT OF CREDIT CARD THEFT. AS YOU CAN SEE FROM MY CREDIT HISTORY, I PAY MY BILLS IN FULL AND ON TIME. 
I CALLED THE COLLECTION AGENCY TWICE TO DISPUTE THE CHARGE BUT THEY KEEP SENDING ME NOTICES IN THE MAIL EVERY MONTH.
Consumer complaint received 2023-03-21
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... ... 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 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 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 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: On-Site Manager, Inc. (FL)

Your credit inquiry is damaging my credit rating. Provide full DOCUMENTATION reguarding the circumstances surrounding your review of my XXXX, XXXX, and XXXX credit report. Pursuant to the permissible purpose provisions of the Fair Credit Reporting Act.
Consumer complaint received 2019-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I deposited my paycheck via mobile deposit because my bank USAA has not sent over verification my employer for direct deposit. 

They placed seven day hold on my deposit., i need to pay my bills and they dont care to help. 

i will lost light in my home and no food for my kids without my paycheck
Consumer complaint received 2022-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: MoneyLion Inc. (SC)

The moneylion company, specifically roarmoney, closed my account 2 years ago since XXXX XXXX 2020. I have made several claims and the money has not been released yet. I am currently demanding that my account be reopened since they have blocked an amount of {$5400.00} dollars without any justification, I contacted them several times and they did not give me detailed information, I sent them all the documents required by them and they still have my frozen funds.
Consumer complaint received 2018-05-12
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. (NY)

The credit reporting company has stated that my account for XXXX XXXX XXXX was updated but never once has proven that the debt belongs to me with proof of my signature. They have failed numerous times to provide proof of this debt.
Consumer complaint received 2023-03-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX