davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
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. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX Balance : {$770.00} ; XXXX  Date of Inquiry : XX/XX/XXXX ; XXXX Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THE INQUIRIES LISTED BELOW ARE NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

The person who stole my identity must have changed my information because I can't login to view my credit score and correct many issues on my report. And when I call them I get hung up on our I can't get past the automated service to be able to talk to a live representative
Consumer complaint received 2022-12-14
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected :
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I have discovered numerous accounts on my credit report that I did not authorize ; pursuant USC Title 15 1681, these accounts need to be removed immediately. I am writing to employ immediate federal intervention regarding this unresolved, fraud of identity theft on my credit report by : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Equifax Information Services LLC. The fraudulent accounts remain on my report. This negligence violates my rights under the FCRA and continues to inflict financial harm
Consumer complaint received 2022-05-13
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. (MD)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/TransUnion/XXXX  was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX Balance : {$14000.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX  XXXX Balance : {$2800.00} XXXX  XXXX XXXX Balance : {$1200.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$6700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$2800.00} TRANSUNION : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$400.00} AXXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$2800.00}
Consumer complaint received 2022-05-13
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. (TX)

Dear CFPB, I recently received mail from Transunion and notification from my credit monitoring of verified negative account on TRANSUNION. There is still negative information reporting ALLEGEDLY by U.S. District Court in the file TRANSUNION maintains under my social security number. Upon ordering a copy of my credit report, I see an entry from TRANSUNION reporting " BANKRUPTCY : XXXX XXXX, with Reference # XXXX / Closing Date : XX/XX/2017 / Court : U.S. Bankruptcy Court ; I am unaware of this account. I did request an investigation over the course of 90 days with Transunion, however Transunion continues to verify said account without verified, validated copies from the Court associated with this account bearing my signature. In the absense if any such documentation bearing my signature, I demand that this information be immediately delated from the credit file Transunion maintains under my social security number. Transunion continues to state my credit profile was properly investigated but how is that possible if the dates, the Court and names are inaccurate, and the Court clerks and secretaries state they do not share court information with credit boroughs. This is grounds for immediate removal because my rights are being violated. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1691 Section 602 A Section 2 : states a consumer reproting agency can not furnish an account without my written instructions. Also Transunion took more than 90 days to complete my investigation please see attached USPS certified mailing tracking # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-16
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. (CA)

To whom it may concern I looked at my consumer report and noticed fraudulent accounts I request that they be deleted I did not give permission to these accounts to be open Nord have any knowledge of these accounts I have attached our documents supporting claim
Consumer complaint received 2023-10-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (TX)

This car XXXX XXXXXXXXXXXX XXXX XXXX was purchased due to being coerced during a XXXX  XXXX marriage. I am not ever able to speak to a supervisor. Car was removed from credit report but they will not settle with me. I have paid 3x the cars value already and still have 2x the value to go. And now I have to keep making ridiculous payment to keep the car but will not help my credit. 

Charged way too much interest, charges late fees on a payment arrangement during covid.
Consumer complaint received 2022-05-13
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. (GA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXTransUnion XXXX XXXX XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-05-13
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. (MI)

In XX/XX/XXXX, XXXX XXXX XXXX XXXX collection accounts was deleted on my credit consumer report from XXXX and XXXX per my dispute request. TransUnion refuses to remove these negative XXXX accounts to present. After multiple certified mail attempts TransUnion and XXXX XXXX XXXX will not verify or validate these collection accounts. XX/XX/XXXX debt validation and debt verification letters were sent certified to both companies and again could not provide any information to prove this debt. Today is XX/XX/XXXX, my rights have continously been violated. I have all documents saved for legal purposes if necessary. Attached are pictures of the deleted accounts. As stated, I have all records for legal purposes if necessary.
Consumer complaint received 2021-11-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (FL)

I started the re fi loan process with Loan Depot and the person I initially spoke to was XXXX XXXX ( Licensed Lending officer ) who took my information told me I would be able to qualify. I then scanned and emailed all necessary documents to him. This process started on XXXX XXXX. 
Then I get a call from XXXX XXXX ( XXXX  Incubation Manager ) and she was very professional and explained the process and if I had any questions to please contact her. 
On XX/XX/XXXX, I started another correspondence with XXXX XXXX, Senior account Manager who is requesting more documents which I emailed. She then tells me that I need to do a profit and loss statement. I told her I am a sub contractor and don't own a business and I use a 1099. She said a contractor is self employed and she said to look on XXXX profit and loss samples and complete one. Without this the loan could not move forward. I have never had to do anything like this for a refi. I am guessing this is just another attempt at bait and switch tactics. I am asking for the reimbursement of the {$21.00} fee for credit report and emailing and scanning fees from XXXX which amounted to {$34.00}. I told XXXX XXXX to have XXXX XXXX call me on XX/XX/XXXX and I will address my concerns to her, I have not heard from anyone from Loan Depot yet.
Consumer complaint received 2022-12-14
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from 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 uncooperativeness. I'm including the items which still remain on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance : {$0.00} FXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ''
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (OK)

Ever since XX/XX/XXXX I've probably called XXXX XXXX  at least XXXX times XXXX, is the number that I've been told to call and talk to about my account that is temporarily frozen, and it always goes to voicemail, and I've left dozens upon dozens of voicemails and never received a call back my money account currently holds a balance of {$99.00} I've even had customer service escalate a detailed complaint to the Department to try to get some response and to email me or leave a voicemail if not answered none of which of those things have happened.
Consumer complaint received 2019-03-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TOWNE MORTGAGE, LLC (VA)

XXXX Mortgage has been terrible to work with. My grandmother passed away in XX/XX/XXXX and she had an interest only HELOC since XXXX originally with XXXX XXXX. When she passed, her house was willed to my uncle and my mother. XXXX told us to continue to make the payments. Then in XX/XX/XXXX I went to make the XXXX my mothers behalf at a local branch and they told me the account was frozen and with an attorney and would not allow me to make the payment. I then had to hire an attorney ( which did nothing but charge me XXXX ) to try to help us. They told me that we were behind and made up all these charges we had to pay by XX/XX/XXXX. I paid them XXXX plus they want us to pay another XXXX in attorney fees plus we had to pay our own attorney fees. I thought we had everything worked out and the very next bill I received, has a default rate of 8.25 % on it which I was promised would be lowered by the time of the next bill and was not. Everything they have said or done has been false. They said my grandmother was late on all these payments while she was still alive. Well then why wasnt that handled while she was alive? Why wait so long. They are unfair and couldnt produce anything to prove this. I still did the right thing and paid what tgey asked and we are still having issues. They also made my mother solely sign a forbearance agreement and did not make my uncle sign or even agree to it.
Consumer complaint received 2019-03-22
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. (MI)

The following inquiries are not mine : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-13
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. (AR)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my credit file, incorrect informations was found in my reports. The TransUnion, XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : ( Inaccurate Name : XXXX XXXX ; Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX Late Closed : XXXX XXXX Balance : {$0.00} ; Charge off : XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$420.00} ; Collection : XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1400.00} ; XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1200.00} ; Inquiries Included In Dispute : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX )
Consumer complaint received 2022-05-13
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to EquifaxXXXX XXXX  XXXX XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2019-04-26
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. (IN)

On XX/XX/2019 I discovered that XXXX XXXX checked my Equifax credit report without my permission. This was a hard inquiry on my Equifax report. I did not authorize this. I demand that Equifax and XXXX XXXX & Equifax remove this from my report immediately.
Consumer complaint received 2023-04-04
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. (CT)

I have paid and contacted the company to get the account removed. They said they reported it already and that's all they can do. I asked to provide documentation that they did that so I could send to the bureaus and they did, I sent it and no change.
Consumer complaint received 2022-05-13
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. (TX)

I, XXXX XXXX XXXX, am victim of identity theft and attached below is my FTC identity theft report. i fully authorize this notice and compliance. i have also mailed all respective CRA 's my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, identity theft : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL INQUIRIES PLEASE LOOK AT ATTACHED DOCUMENTS FOR PROPER INSTRUCTIONS THANK YOU
Consumer complaint received 2019-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank Of America ( The creditor ) agreed to delete this account from all the three credit bureaus XXXX XXXX & XXXX. The charge off was paid off & theres no payment is owed to the creditor. Before the charge off was submitted to all three credit bureaus XXXX XXXX & XXXXx. I was making direct installments payments to the creditor ( Bank Of America ) &  unfortunately once the credit card was paid off they reported it as charged off account.
Consumer complaint received 2022-05-13
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. (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$670.00}
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I have been diagnosed with XXXX  and have recently been medicated by XXXX. I'm now aware I'm defaulting my report!! 
I have not been taught the impact of my freedom as a human being is being impeached by various crediting agencies and national records due to my previous I inability to conform to modern society I feel that all the infor6 compiled in last 10 years either has been sold or not imposed one properly I have an inappropriate oty to budget in a complicated society This is proven by all research into the diagnosis given to me following the trauma imposed one as a child of a government who told me what is best for me!! Please an you otherwise seek to free me from the debt I've been otherwise forced to get to be able to live in my life I'm not a XXXX