davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX was contacted to settle an account due to a life hardship. They agreed to settle the debt for less and provided the amount and payments to be made over a period of time. In the meantime, I was advised that my balance would be reflected as the amount settled and the payments would reduce the amount. XXXX was contacted in XXXX for settlement a second time in mid XXXX to correct the reporting issue as it has been over 30 days which they advised would be the time needed to report to the credit bureaus. When I contacted them on XX/XX/2022 when the payment did not come out of the account I requested help to report payments being made and that the balance was incorrect. 
At this time the representative advised me that XXXX will not report payments made and that the balance reduction would be for the full amount. This contradicts the agreement that was made and also does not show the monthly payments made. XXXX in addition reports the account as a charge off with no payments being made monthly. This further harms my credit and ability to move forward with my need for credit. In addition they are reporting incorrect information. 
I have reached out to XXXX and all credit bureaus with the information to be corrected.
Consumer complaint received 2022-07-06
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. (NY)

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 XXXXXXXX XXXX XXXX XXXXXXXX ...., 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 a account without my written instructions
Consumer complaint received 2019-06-19
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: EQUIFAX, INC. (AL)

I sent both Equifax and XXXX  a request to provide me the original baring instrument that they had on file proving that they applied the accounts that were truly mine onto my credit file. I stated to both credit bureaus in writing that the FCRA Law Section 609 mandates that their agency have on file at the time of reporting a signed document showing that all accounts listed in my original letter were truly mine. However, both agencies have not provided me any documentation as required by the FCRA Law Section 609 stating that they have verified and have the written instrument showing that the accounts that I had in question belonged to me, which bared my original signature. However, both credit reporting agencies failed to send me the verified document, but instead, they just disputed the account with each creditor and then they lowered my credit score. I have also paid nearly {$8000.00} to one of my creditors ( XXXX XXXX XXXX ) in XXXX ofXX/XX/2019 and Equifax still did not increase my credit score. They lowered it. I have been on the phone with Equifax and XXXX  for several, several hours getting nowhere. Each representative appears to not be knowledgeable of the FCRA Law Section 609. They only offered to dispute the accounts that I listed on the letter I sent them certified. However, I did not ask them to dispute the accounts with the creditor, I specifically asked each Credit Bureau to provide me the proof of the signed instrument bearing my signature which they should have on file proving the account was mine. They have failed to do this and I would like the CFPB to enforce each credit bureau agency to comply with my request and since they do not have any proof that the account is mine to delete it off my credit file. I have attached the certified letters that were sent to both credit bureaus with this complaint.
Consumer complaint received 2021-03-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PROSPERITY BANCSHARES, INC. (TX)

A teller at the drive through at the Prosperity Bank in XXXX XXXXXXXX Tx, used my payroll check to call my employer without my permission to file a complaint about me being " rude '' or " disrespectful ''.
Consumer complaint received 2018-06-30
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)

Report # XXXX states an incorrect social security number ending in XXXX and remove telephone numbers XXXX and XXXX and incorrect name XXXX XXXX XXXX. My name does not carry middle initial.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX Accounts ( one for XXXX XXXX XXXX XXXX for XXXX XXXX XXXX ) were paid in full ; Agent stated it would be removed from credit report upon payment. 

Account was not removed ; status showing open when it should be closed and removed from report. 

Filed a formal dispute, investigation was not truly followed as upon completion, it was still reported with mismatches. Showing open on XXXX and closed on Transunion. Also, with erroneous and mismatched open dates. 

The below laws are being violated : ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

( 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This complaint is from me XXXX XXXX the person not from a third party company or any other person but me this is a real complaint. 
I am the victim of identity theft, i sent in a report and everything that ftc said that i should to get the identity theft removed from my credit but the credit bureaus did not remove any of the accounts that were included in the identity theft.
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (NC)

Upon starting a new service on XX/XX/XXXX, I was informed by XXXX XXXX that I had an existing balance in collections of {$410.00} from electric service at a previous residence. I didn't know about that balance, and promptly paid the {$410.00} balance plus a {$100.00} deposit for the new service at my new residence. 
I later received collection calls from Online Information Services regarding the {$410.00} balance. I spoke with XXXX ( phone : XXXX ) at OIS on XX/XX/XXXX about getting the balance off their records as it was paid in full. On XX/XX/XXXX I mailed copies of the statement showing the {$410.00} charge to the new account, brought forward from the old account via my SSN, and the payment that was made to XXXX  the balance out moving forward. All of the hard copies showing all of this was mailed to : Online Collections XXXX XXXX XXXXXXXX XXXX, NC XXXX I am still reveiving periodic phone calls from OIS to collect, and every time I explain that I have already paid the balance, AND have sent them proof. 
In XX/XX/XXXX I filed Chapter XXXX Bankruptcy, and included this " phantom '' balance in my filing, hoping to get the collections to stop once and for all. The Bankruptcy was discharged on XX/XX/XXXX. 

Today, XX/XX/XXXX, I received yet ANOTHER call from OIS trying to collect the balance. I informed the caller that I had filed Chapter XXXX and the debt, which was not owed to begin with, was wiped out in the bankruptcy. She still asked for proof the debt was paid. 

This is harassment at this point.
Consumer complaint received 2023-01-13
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: ALLY FINANCIAL INC. (TX)

On XX/XX/XXXX I applied for a car loan and had XXXX companies run a credit check on my report. This was not a problem as I approved it. However, after securing a loan the same day, I have not given my approval for any further credit inquiries. On XX/XX/XXXX I received an alert on my XXXXXXXX XXXX XXXX that I had XXXX new inquiries on my credit, XXXX from Ally Financial, which was XXXX of the XXXX institutes that had previously already ran my credit on XXXX XXXX. So this was the second time they ran my credit and I did not approve it. I have not tried to apply for a loan since XXXX XXXX. The second inquiry from XX/XX/XXXX was from " XXXX XXXX XXXX XXXX '' and it happened around the same time as the Ally Financial inquiry. I made a phone call on XX/XX/XXXX to Ally Financial and they had absolutely no record of making this inquiry. They could not help me in anyway. Then I called XXXXXXXX XXXX XXXX  to dispute these inquiries and they had to make an account for me because apparently they could not find me in the system. I had them freeze my credit so that nobody else can check my credit without me lifting the hold. Then I called XXXX, and they said I could not file for a dispute on these inquiries until I received a inquiry deletion letter from the creditors who ran my credit without authorization. So I called XXXX XXXX, assuming that was the institution that the abbreviations stood for. They also did not have anyone who could answer any of my questions and did not seem to know anything about the inquiry, like they didnt have records of it either. They instructed me to write an email to XXXX to request they dig into it and find out about my inquiry. I sent them an email on XX/XX/XXXX at XXXX XXXX XXXX XXXX  and have yet to hear back from them. Today, XX/XX/XXXX, I have just received another alert from my XXXX XXXX stating I had yet again another hard inquiry on my credit by XXXX XXXX XXXX XXXX. I did not approve this inquiry either. I don't know what to do from here. My credit keeps taking hard hits and I can't do anything to stop it and no one seems to know anything about it.
Consumer complaint received 2021-04-15
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: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-07-06
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. (IN)

I am writing to the CFPB due to not hearing anything back from the bureaus in regards to a account on my credit report! I have asked them to verify for months and send me where this is coming from. I even wrote the creditor. I need help identifying this account to see what it is. This account is affecting my credit report and I want to get this taken care of if this is indeed my account! No response makes me wonder where its coming from and what has been sent to verify it.
Consumer complaint received 2022-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NC)

The CBE group, XXXX, and XXXX, ( outside collection, claims I owe {$1100.00} for cellular, I do not owe any bill, I will sue for damages if this continues, I will not tolerate harassment by phone or mail, Im warning for this to stop with a cease and desist.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I sent letters to each bureau on XX/XX/2023. I attached the FTC report as they requested. I have sent a follow up letter on XX/XX/XXXX and still no response with updates of fixing the inaccurate accounts on my credit. There was also no verifying information or how they investigated these accounts that are still reporting. The items that should have been investigated and eventually removed are : XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX MIDLAND CRED ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2022-07-06
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. (FL)

I received copy of my credit report, and i saw accounts which are not belong to me. 
I believe, that i was victim of identity theft, someone used my personal information and applied for all these accounts, i'm not responsible for all these debts.
Consumer complaint received 2022-07-06
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. (FL)

I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX 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 my written instructions.
Consumer complaint received 2021-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IA)

On XX/XX/2020 my home was damaged by the derecho. My insurance company gave me 2 checks and listed my mortgage company ( Freedom Mortgage ) as a co signer of the checks. The first check for {$33000.00} ( siding damage ) was sent to Freedom Mortgage ( FM ) they endorsed it and returned it to me. The second check ( retaining wall ) for {$52000.00} was sent to Freedom Mortgage for endorsement, but instead they took the check and returned {$6500.00}. Giving me {$40000.00} to work with. 
At the time they assured me I could get the balance in 5 days with each 25 % of progress. 
The retaining wall was mostly complete of XX/XX/XXXX. I contacted FM They said they needed to send an inspector. It would take 5 work days. I reached out after the 5 days they had no idea what happened to the inspector, but I could send photos and they would accept that. 
Flash forward after calling several times a week usually spending more than 2 hours talking the Loss Draft Department. On XX/XX/XXXX the agreed to send a partial payment of {$11000.00}. TO prove they were going to send it they gave ma a tracking number for a XXXX  XXXX delivery. That envelope has not shilled yet. 
I discovered that they never requested the inspection, until XX/XX/XXXX. The inspector came out and said the work was 95 % complete. They sent that to FM. FM told me they did not believe the inspection report. 
Several more calls on XX/XX/XXXX, they said they were going to send me my full payment of XXXX $ XXXX. And, the same tracking number would be used. As of this morning, the envelope has not been shipped.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

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 2019-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2018-06-30
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: HYUNDAI CAPITAL AMERICA (GA)

XXXX XXXX XXXX continuously failed to report payments made on time to XXXX, however they will promptly report a late payment. 

This is the second time I have had this issue with them. 

They either need to report monthly or remove my account from the credit bureaus
Consumer complaint received 2022-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IN)

On XX/XX/2022 consumer contacted Equifax via certified mail to dispute & request removal of XXXX XXXX XXXX Account being reported on consumer 's credit profile. This has impacted consumer 's credit worthiness, accuracy, and credit score, taking 36+ points from score causing damage to my score. XXXX & XXXX responded to consumer via mail on XX/XX/2022 stating they agree to request that their tradeline related to the account be removed and deleted from the credit bureaus. It has been removed from XXXX, but not XXXX and Equifax. Please remove XXXX XXXX XXXX account from all consumer reports and update credit profile with accurate deletion of account associated with the name XXXX XXXX XXXX