davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
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. (TX)

Upon securing an updated copy of my Credit Report, I hurriedly checked to see if the items I previously disputed were removed. I am disappointed to see that there are minimal changes made on my Credit report. Even though I'm grateful for the efforts done by the Equifax Credit Bureau, the XXXX and XXXX Credit Bureaus had done nothing to correct my Credit file. Despite the letters I have been sending to the Credit Bureaus, only the Equifax Credit Bureau had done the right thing to remove the fraudulent items from my Credit File. I previously sent a letter to the Credit Bureaus on XX/XX/XXXX hoping that the Credit bureaus would take the initiative to remove the items that resulted due to the theft of my Identity. I am submitting this complaint through the CFPB to remind the Credit Bureaus of their duty to comply with the FCRA regulation section 605b and delete the fraudulent items completely from my Credit File. Once again, I am urging the Credit reporting agencies to remove the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX ( XXXX Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance Owed : {$690.00} XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-03-23
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. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-11
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I called Kohls / Capital one in XXXX of this year to settle the account. I offered a payment if they would do a pay / delete deal and they agreed. I paid the settlement amount but they did not delete the account from the credit bureaus as agreed.
Consumer complaint received 2023-03-23
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. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 2 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and 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 XXXX XXXX XXXX
Consumer complaint received 2018-11-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (PA)

on XX/XX/2018 i was purchasing two vehicles from XXXX XXXX XXXX   XXXX meeting. on this day the car dealership had took my XXXX XXXX XXXX as a trade for XXXX the deal was i would get back XXXX and be walking away with 2 cars a XXXX XXXX XXXX and a XXXX XXXX XXXX with the title to the XXXX  and the XXXX was to be financed. 

This is only the beginning of everything.. so let 's start with when i got home that night i had a chance to sit down and finally been able to review the loan documents they financed my XXXX at XXXX when the agreed upon price was XXXX so when i noticed that the loan was not what i agreed upon i immediately called my Loan holder because XXXX XXXX would not answer the phone or this person wasn't available the moment please call back ... so after the first day of being ignored i went back to the dealership where i went to also question the huge scratch down the side of my vehicle that was not there at time of purchase. when i arrived the sales man goes oh you're here about the huge scratch aren't you XXXX said he's not fixing that ... my reply oh well no actually that's one of the things ... so needless to say after asking AGAIN to  speak to someone no one was magically available to take this matter or they where all gone on vacation .... 


so here we are 6 months later fighting GM financial have had my credit XXXX because of this couldn't refinance my house because i couldn't pay the car loan and accept responsibility for it ... well GM financial is another one i will be putting a complaint in against so to anyone looking for a car PLEASE GO SOMEWHERE ELESE OTHER THEN THIS FRAUD DEALERSHIP THEY LIE RIP YOU OFF AND DONT CARE!!! STAY AWAY FROM XXXX the car salesman he IS XXXX AND DIRTY AND DOWN RIGHT A LYING PEROSN
Consumer complaint received 2023-03-23
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)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-14
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: Source Receivables Management LLC (CA)

XXXX  has been non-compliant with removing the unverified account SOURCE RECEIVABLES MANAGEMENT XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that SOURCE RECEIVABLES MANAGEMENT was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2017-12-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC (IL)

In 2014 my debit card with XXXX was compromised and the issue was corrected. There is a letter from the company, case with Illinois Attorney General, and affidavit. This matter was resolved years ago and I owe nothing. This was theft and a debit card. This company almost three years later is reporting false information to XXXX and XXXX. They have been falsely reporting a closed matter on my credit report for two months. I was never given proper notice that this debt was being reported until I checked my credit report today
Consumer complaint received 2018-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NJ)

Discover card was clearly provided the tracking number in dispute case number : XXXX, in regards to a used black belt that the merchant sent me for purchase price dispute of {$19.00}. XXXX tracking number XXXX was clearly returned to the merchant on XX/XX/18, at XXXX XXXX, signed by XXXX, delivered in XXXX, IA, the home office location of the retailer. As of today, retailer neglected to process the credit. Additionally, Discover card could have taken 30 seconds to type in the above tracking information to show that the item was returned to the retailer. Rather, Discover card relied on the original proof of delivery provided by the retailer which is irrelevant.
Consumer complaint received 2022-07-12
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. 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 below : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-06-10
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. (GA)

Reporting on consumer report XX/XX/2016 in the amount of {XXXX} ; {XXXX}. I have notified the bureau of an unauthorized items reporting on my customer report.
Consumer complaint received 2018-11-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MS)

Wells Fargo Home Mortgage systematically aided in the foreclosure of my home ( XX/XX/2016 ). Over the course of my illness ( XX/XX/XXXX-XX/XX/XXXX ), I repeatedly attempted to get either a modification and or payment reduction on my home mortgage. The assistance that I did receive from Wells Fargo was anything but fair and judicial aid and support. Instead of a reduction of any type, my monthly mortgage note was increased. Additionally, I inquired with Wells Fargo to see if I was one of the 625 individuals affected by the so called " glitch '' which lead to so many of our homes being foreclosed on, I was sent correspondence informing me that my home foreclosure was not affected. Over the course of seven years, I suffered XXXX/XXXX  and other debilitating illness. My income as an XXXX was affected, and I aggressively pursued help from Wells Fargo in the form of written request for mortgage modification, and the lowering of my monthly payment. Wells Fargo 's modification approval resulted in the demand for higher provisional payments that would systematically result in my inability to make such high monthly payments. My complaint against Wells Fargo is for their egregious mortgage practices which ultimately lead to the foreclosure of my home. Additionally, to add insult to injury ; to state that my home foreclosure was not affected by their so called " glitch '' which inevitably took homes from hard working individuals like myself. I have been the victim of a mortgage company that clearly steals not only money from Americans, but rob individuals of their hopes and dreams of becoming home owners.
Consumer complaint received 2023-03-23
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. (NV)

I see that the accounts on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 : XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$230.00}
Consumer complaint received 2017-11-11
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. (FL)

On or around XXXX XXXX, 2017, I sent a letter asking TransUnion to remove several inquiries because I did not recall authorizing them. They sent a letter back denying my request.
Consumer complaint received 2023-03-23
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)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting 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 recently reviewed my consumer report and I noticed that there were two late payments on my account with XXXX XXXX Credit Card that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for the erroneous information reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered because of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX Credit Card for the month of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! 

Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ID)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-12
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. (TX)

Upon securing an updated copy of my Credit Report, I hurriedly checked to see if the items I previously disputed were removed. I am disappointed to see that there are minimal changes made on my Credit report. Even though I'm grateful for the efforts done by the XXXX Credit Bureau, the Experian and XXXX Credit Bureaus had done nothing to correct my Credit file. Despite the letters I have been sending to the Credit Bureaus, only the XXXX Credit Bureau had done the right thing to remove the fraudulent items from my Credit File. I previously sent a letter to the Credit Bureaus on XX/XX/XXXX hoping that the Credit bureaus would take the initiative to remove the items that resulted due to the theft of my Identity. I am submitting this complaint through the CFPB to remind the Credit Bureaus of their duty to comply with the FCRA regulation section 605b and delete the fraudulent items completely from my Credit File. Once again, I am urging the Credit reporting agencies to remove the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX  XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-12
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. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX {$630.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is incorrect on both XXXX, and TransUnion. My correct name is XXXX XXXX XXXX. 
My address on both XXXX and TransUnion is incorrect. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Any previous addresses need to be deleted. 

Lastly I am Retired
Consumer complaint received 2023-03-23
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. (CA)

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$49000.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$0.00} 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 XX/XX/XXXX