davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-20
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: EQUIFAX, INC. (LA)

The following companies ran unauthorized credit report on me.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights
Consumer complaint received 2018-04-21
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. (TX)

XXXX XXXX XXXX XXXX stated that I owe Student loans that I can't recall signing for. The student loans are definite a hardship to my credit report. XXXX XXXX XXXX XXXX Practices are illegal and unfair. They garnished my wages without a court order in which is illegal on the Fair Debt Collection Practices Act 15 USC 1692e 807 ( a ) ( 4 ) .They also did not validate the date by sending any written information which violated 15 USC 1692f 809 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ).
Consumer complaint received 2018-04-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

My account was hacked due to XXXX  & Experian breach the accounts that were in my bankruptcy reappeared delay payment the accounts were all deleted and then reappeared I was not notified by XXXX in five days that they were going to re-put what they had taken off back
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (CA)

XX/XX/2022 I called Equifax to demand the inaccuracies to be removed immediately. 
I never made a dispute, I was requesting the incorrect information be removed and the agent told me she will be more than happy to help me with my request, but never removed the items only disputed them. These company are abusing my credit with accounts thats not mines remarked getting added and removed every week dropping my credit score. Equifax has failed to properly investigate these accounts, by law they are to do a thorough investigation and I can say they DO NOT! Us consumers lives are in the hands of people who are not compassionate enough to care about the welfare of human beings.
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to have this corrected. This inaccurate reporting is harming my credit score.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I am writing to bring to your attention the outcome of a recent investigation into inaccuracies in my credit report, conducted by Equifax. The investigation confirmed that certain items in my credit report lack proper documentation and verification, in violation of the Fair Credit Reporting Act ( FCRA ). 

Under Section 611 of the FCRA, I have the right to request the deletion of any inaccurate or incomplete information from my credit file. The investigation has determined that the disputed items do not meet the necessary standards for inclusion in my credit report and should be removed immediately to ensure compliance with federal law. 

I am disputing the following personal information : Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, OK, XXXX Employer : XXXX XXXX Incorrect Name : XXXX XXXX XXXX Incorrect Previous Address : XXXX XXXXXXXX XXXX  XXXX, OH, XXXX Employer : XXXX XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX XXXX, OH, XXXX Additionally, I am disputing the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I am disputing the following collections : AXXXX XXXX XXXX XXXX XXXX  Finally, I am disputing the following inquiries : XXXX XXXX XXXX XXXX XXXX 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 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX Account # XXXX has violated and has discrepancy 's that need to be removed immediately from my credit report. 

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 any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-15
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. (NY)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX data breach and this may be the way my information got into the wrong hands
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX, I looked at my report. I sent a letter to TransUnion on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX XXXX-Account number XXXX XXXX XXXX, XXXXAccount number XXXX XXXX XXXX XXXXAccount number XXXX XXXX XXXX XXXX-Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( i*promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


and according to 15 USC 1681 eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. and according to 15 USC 1681s-2 this is supposed to happen ( A ) Reporting information with actual knowledge of errors 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. 


( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii ) the information is, in fact, inaccurate. 


TransUnion really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case
Consumer complaint received 2018-04-21
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: EQUIFAX, INC. (TX)

IN REGARDS TO : XXXX XXXX-XXXX XXXX XXXX   XXXX XXXX TEXAS XXXX THIS ACCOUNT IS NOT MY ACCOUNT AND I AM NOT PAST DUE ON MY CHILD SUPPORT. I DISPUTED THIS ACCOUNT ON XX/XX/XXXX THROUGH CERIFITED LETTER LETTING THEM KNOW AS WELL AS EQUIFAX THE ACCOUNT WAS NOT ACCURATE AND MY PAYMENTS HAVE BEING MADE ALWAYS ON TIME. I WAS INFORMED XX/XX/XXXX THAT THE ITEMS WERE REMOVED FROM MY CREDIT REPORT. NOW I DISCOVERED THAT THE ITEM HAS BEEN REINSERTED ONTO MY REPORT. IN ACCORDANCE WITH THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT SECTION 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) requirement relating to reinsertion of previously deleted material. ( ii ) Notice to the consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I RECEIVED NO SUCH NOTIFICATION. THIS IS A VERY SERIOUS VIOLATION OF THE FCRA, AND I RESERVE THE RIGHT TO PURSUE LEGAL ACTION FOR YOUR BLANTANT DISREGARD FOR THE LAW. EQUIFAX AND THE ATTORNEY GENERAL 'S OFFICE SHOULD BE ASHAMED OF THEMSELVES. INVESTIGATE INTO THE MATTER. YOU HAVE ME MIXED UP WITH SOMEONE ELSE MAYBE THE NUMBERS OR NAMES GOT CROSSED, OR SIMPLY A HUMAN ERROR.
Consumer complaint received 2018-04-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo offered to us, and many other families in Florida, a Disaster Relief Program after Hurricane Irma. My husband was the first one to take the call. They offered three months payment-free - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - as a courtesy for those dealing with the aftermath of the hurricane. When my husband specifically asked how that amount would be repaid, the representative told him they werent sure at that point, but it would definitely NOT affect our credit. When we called at the beginning of the year to resume payments, they told us our Disaster Relief went through the middle of XX/XX/XXXX and we were resume payments at that time. Since then, we have paid every month, despite no access to the online payment portal. We have to call our Disaster Relief representative to make the payment, but she is never available and when messages are left, she rarely returns them. Apparently, the amount relieved during the Disaster Relief Period is being placed into a loan that will need to be repaid, which is fine. But I only know that because we considered refinancing in order to take advantage of our better credit at that time and we had to use the myloantracker system to manage the process. That refinance loan was dropped unexpectedly and without any communication from Wells Fargo. We had to seek them out for a reason and when we finally got the answer, it was because It wasnt fiscally reasonable for them at that time. Back to the Disaster Relief, the myloantracker system hasnt been updated and there is no communication from our representative. I tried to fax, share, and email a document I needed to submit, and sent several emails to our representative asking if she had received it with XXXX reply. This makes us very anxious. I finally was able to upload it to myloantracker when I hadnt been able to do that before. With NO COMMUNICATION from Wells Fargo, we have no idea what is happening with our house or mortgage. Our worry is that we will go into default and we desperately dont want that to happen as we have XXXX small children. A search of Wells Fargo Disaster Relief Complaints will uncover many people who were told the same things and are going through the same issue.
Consumer complaint received 2022-07-21
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. (MI)

In accordance with the fair credit reporting act XXXX  accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX  : Contacted company multiple times about late payment not being late. 
_____________________________________________________________________ XXXX XXXX XXXX XXXX XXXX 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 U.S.C 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 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Im XXXX, I needed to remove judgment liens on my home. I was told by lawyer I had to file bankruptcy so i did in order to to remove them. I was never aware of the process called reaffirming mortgage loan with lender, as a result the lender reported my loan as delinquent and included in bankruptcy instead of reporting payment status ; paid as agreed. Also, XX/XX/XXXX all XXXX  credit agencies marked I was delinquent from approximately XXXX through XX/XX/XXXX which has a negative mark. However, I never missed a payment nor was I ever late and I have about XXXX pages from the lender showing all payments on time, yet no one/company will remove the negative mark for XX/XX/XXXX. I also noticed that the agencies did not receive payment history several months prior to XX/XX/XXXX which shows I was delinquent or derogatory. 

All three credit agencies and the mortgage company XXXX. XXXX has not only defamed my name, they also are fraudulently reporting incorrect information about my payment history and status. 

I have disputed this claim about XXXX times a year written in different ways in hopes they would understand their errors. To date, they, XXXX XXXX still will not acknowledge their errors, therefore the XXXX agencies are still reporting Im XXXX for that mortgage. 
I sold that home and paid in full to the lender on XX/XX/XXXX. Ive been trying to get another home loan which has been difficult due to this mortgage lender reporting false information. Because Ive been defamed, and credit score has lowered due to this reporting error my quality of life has diminished to living in a rv and homeless. I deserve to have my quality of life back and these companies are destroying my XXXX an XXXX XXXX as a result. 

Please force them, XXXX XXXX to report correct information as I paid as agreed from XXXX through XX/XX/XXXX which was when I paid them in full, to remove the negative mark on XX/XX/XXXX and add all payments as positive, on time and never missed a payment so all XXXX credit agencies have the correct information to change the false information about the payment history for that loan.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The reason for my writing is to inform you that this company is being unreasonable and not adhering to the law. I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.XXXX  XXXX XXXX # XXXX, Opened Date XX/XX/XXXX, Original Creditor XXXX XXXX  XXXX XXXX XXXX , High Balance {$1500.00}. 2. XXXX XXXX XXXX, ACC # XXXX, Original Creditor XXXX XXXX , Opened Date XX/XX/XXXX, Balance {$190.00}. I am attaching the dispute letter/documents I sent to this company on the XXXX and my FTC report, in case they need to reference or review.
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREAT LAKES (TX)

XXXX XXXX XXXX XXXX stated that I owe Student loans that I can't recall signing for. The student loans are definite a hardship to my credit report. XXXX XXXX XXXX XXXX Practices are illegal and unfair. They garnished my wages without a court order in which is illegal on the Fair Debt Collection Practices Act 15 USC 1692e 807 ( a ) ( 4 ) .They also did not validate the date by sending any written information which violated 15 USC 1692f 809 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ).
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/information below : XXXX XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to have this corrected. This inaccurate reporting is harming my credit score.