davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-05
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. (GA)

On XX/XX/2018 all 3 Credit Bureaus reported a Vehicle loan on my credit report 60 days late ... ... dropped my credit score over 100 points ... .I explained to them that I have never been 60 days late on this account and that it was reporting incorrectly ... spoke with agents at all 3 bureaus on XX/XX/2018 to verify the dispute ... they claim that the creditor responded that it was reported correctly ... saying I was 31 days late and that it reports 31-60 days late on my report! I asked for debt validation ... I asked what is their method of reporting ... they said everything is done electronically which is against the law ... they should have physical documents ... I also asked for the person with first hand knowledge of my account that verified or validated this to the credit bureaus ... to no avail ... ..no response was given ... I asked for a supervisor ... I was put on hold for over 45 minutes ... ..never spoke to a supervisor at the credit bureaus or the creditor ... I want this late payment to XXXX removed immediately ... .It is completely inaccurate and has damaged my personal credit tremendously! I was recently a victim of identity theft and am just starting to rebound ... now this happens! I asked them if they had a copy of the contract or payment history ... they claim that they did ... but the creditor already told me that everything is sent electronically so I know this can't be true!
Consumer complaint received 2018-11-05
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)

On XX/XX/2018 all 3 Credit Bureaus reported a Vehicle loan on my credit report 60 days late ... ... dropped my credit score over 100 points ... .I explained to them that I have never been 60 days late on this account and that it was reporting incorrectly ... spoke with agents at all 3 bureaus on XX/XX/2018 to verify the dispute ... they claim that the creditor responded that it was reported correctly ... saying I was 31 days late and that it reports 31-60 days late on my report! I asked for debt validation ... I asked what is their method of reporting ... they said everything is done electronically which is against the law ... they should have physical documents ... I also asked for the person with first hand knowledge of my account that verified or validated this to the credit bureaus ... to no avail ... ..no response was given ... I asked for a supervisor ... I was put on hold for over 45 minutes ... ..never spoke to a supervisor at the credit bureaus or the creditor ... I want this late payment to XXXX removed immediately ... .It is completely inaccurate and has damaged my personal credit tremendously! I was recently a victim of identity theft and am just starting to rebound ... now this happens! I asked them if they had a copy of the contract or payment history ... they claim that they did ... but the creditor already told me that everything is sent electronically so I know this can't be true!
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX, I have mailed out XXXX different dispute letters to Experian and XXXX yet again i have received an email XXXX XXXX from Experian disregarding my dispute letters yet again. by law this is wrong on all levels. I can't get no loans, new credit, or lines of credit because of the inaccurate information they are housing or may I add illegally furnishing. month after month I try writing them of these things and to my surprise I get turn down or have to result to making complaints of this matter and I'm getting tired of the back and forward with me having to take matters like this to get heard. this is disappointing and a violation of my rights under the consumer law. I will upload the two letters I sent and they response back. XXXX is the only reporting agency that took me seriously and took all negative items off of my consumer report when writing to them of the inaccurate information. XXXX and Experian are not following the rules of the law and delaying me as giving me the run around and now I'm taken legal action against them.
Consumer complaint received 2022-07-25
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. (AL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account Number: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. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  Account Number:XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion has continued to allow unauthorized and fraudulent inquires to remain on my credit report, even though they have been informed via multiple disputes delivered by certified mail and a former CFPB complaint. I recently applied for new credit and was denied due to " too many inquiries, '' and the bank informed me that it would have been approved if there were less inquiries. 5 out of the 9 inquiries that I currently have on my Transunion Credit report were unauthorized and fraudulent. The unauthorized inquires are the following : 1 ) XXXX - XX/XX/XXXX 2 ) XXXX - XX/XX/XXXX 3 ) XXXX XXXX XXXX - XX/XX/XXXX 3 ) XXXX  XXXX - XX/XX/XXXX 4 ) XXXX   XXXX - XX/XX/XXXX ... ..

It is truly disheartening and unnerving when a Credit Reporting Agency, such as Transunion, has utter disregard for Federal Law and the economic harm that can befall a consumer when these Violations of the Fair Credit Report Act ( FCRA ) happen. The FCRA, specifically 1681e ( b ), which requires a credit reporting agency to follow reasonable procedures to ensure maximum accuracy, 1681i, which requires a credit reporting agency to comply with certain reinvestigation requirements, and 1681b, requiring a credit reporting agency to provide a consumers credit file to companies only if it has determined there is a permissible purpose, are important and essential elements of FCRA. However, any negligent and/or willful violations of any of these provisions can cause irreparable financial and economic harm to a consumer. The inquiries mentioned above are obvious permissible purpose violations, and they need to be removed immediately. I have contacted the creditors, I have disputed the inquiries with Transunion, and they now remain as a willful violation FCRA 1681b ( a ) ( 3 ) ( A ). Please remove them immediately permissible purpose violation
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

On XX/XX/2022 I called Equifax because my Credit Score will not display on any of my Credit Reports. I am contacting your agency because this issue was suppose to be resolved in 72 hours but I still don't have a Credit Score from Equifax. Please can you rectify this important issue.
Consumer complaint received 2022-03-30
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. (MO)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2018-11-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Nair & Levin, P.C. (CT)

Nair & Levin Law Offices of P.C. 
XXXX XXXX XXXX XXXX, CT XXXX On XX/XX/2018 they sent a Wage Garnishment to my work for a person who has the same name as me but it is not my debt : the Social Security number and home address of the person they were trying to attach the wages are not mine. A letter was sent to them from my employer stating such.
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IN)

I subscribed to a credit monitoring service through Experian. I have decided I would like to cancel the service. 

Following their prescribed procedure, I called the XXXX number and followed the prompts, which include entering my Social Security Number, ZIP code, numerical portion of my address, and my date of birth. The system then announced " you do not have a subscription with us. Goodbye '' and ended the call. 

I have called back several times and tried to reach an actual person. Their system appears to be impervious to such attempts. 

How can I stop them from taking my money every month? I see no way to do so.
Consumer complaint received 2022-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2018-11-05
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. (OH)

Starting from XX/XX/2018 Transunion has continued to incorrectly report my two accounts at XXXX XXXX XXXX as closed by my request. I have disputed this information as incorrect multiple times, do to the fact the accounts are not closed, to date they are still reporting incorrect. I also called my credit card company who verified the status is incorrect. In return this is impacting my credit score.
Consumer complaint received 2022-03-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I have disputed the late payment status reported on XXXX XXXX XXXXaccount I have disputed the late payment status reported on the account with the credit bureaus for months to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/2018 my payment of {$25.00} to XXXX XXXX XXXX was posted and bounced back on XX/XX/2018. This was because my wallet was stolen, and my bank account number had to be changed. XXXX locked my account, and I was unable to pay online or in store with my card. I did not want to post a payment through the phone as my credit card was just stolen and I was concerned about identity theft. I spoke with numerous customer reps at XXXX who assured me my online account would be fixed. My account was not reactivated until I was forced to pay the account via phone. Finally, on XX/XX/XXXX I agreed to pay the balance over phone as no other options existed. 

Since that date, XXXX has reported my payment as late, and all of my attempts to rectify the situation via customer service has ended in either being hung up on or told theres absolutely nothing they can do. At this time, XXXX has 1 ) reported my payment to be 60 days late despite my best efforts to pay them, 2 ) charged me a late fee, 3 ), 4 ) been unwilling to accept any fault in this matter, and 5 ) unwilling to update my credit report despite their fault in this matter.
Consumer complaint received 2018-11-05
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. (SC)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made.. The accounts have nothing to do with me..I am a victim of identity theft and the account is not my responsibility, please remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX   XXXX ( Original Creditor : XXXX ) XXXX
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have disputed the late payment status reported on the account I have disputed the late payment status reported on the account with the credit bureaus for months to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-11-05
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. (GA)

I have disputed the late payment status reported on the account I have disputed the late payment status reported on the account with the credit bureaus for months to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-11-05
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. (GA)

I have disputed the late payment status reported on the account I have disputed the late payment status reported on the account with the credit bureaus for months to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2022-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2018-11-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUMMIT FUNDING, INC. (MI)

Monday, XX/XX/2018 To whom it may concern, I have a mortgage with Summit Funding Servicing. My loan was transferred to Summit Funding Servicing in XX/XX/2018. I have had to contact them at least one time per month, beginning in XX/XX/2018. To encapsulate, for three of the five months that my loan has been with Summit Funding Servicing, I have had to call them to point out that they had made the error of withdrawing double escrow payments. I am reporting Summit Funding Servicing because per customer service the error will be made monthly and will not be corrected unless I call monthly. Also, I truly believe that other consumers may not be aware of this error or the need to contact Summit Funding Servicing monthly to ensure that the error is rectified.

My monthly mortgage payment totals {$1400.00} out of that {$410.00} goes toward escrow. Monthly, the Department of HUD Mortgage Insurance receives {$140.00} from escrow leaving a remaining balance of {$270.00} to go into my escrow account to pay for my taxes and homeowners insurance. However, Summit Funding Servicing is taking the Department of HUD Mortgage Insurance payment of {$140.00} from both my initial payment for the month, which is always documented in the payment history, and an additional {$140.00}. There is never a formal record/documentation of the second {$140.00} that was removed, just missing money from my escrow account that is meant for my taxes and homeowners insurance. Meaning Summit Funding Servicing takes {$280.00} until I call and review my account with one of the customer service employees. When I called, on XX/XX/2018 I told a Summit Funding Servicing customer service representative and her supervisor that I would be reporting them and on XX/XX/2018 my account was updated to state that the additional escrow payment was withdrawn on XX/XX/2018 ; although, I had not made XXXX 's payment, yet. 
I want you all to not only rectify my situation, but to do a full investigation to ensure that other consumers are not being cheated. I should not have to call my mortgage company monthly to have my account corrected. I should be able to go online and obtain an up-to-date, accurate copy of my payment history that includes any additional funds, or withdrawals ( i.e. tax and/or homeowners insurance payments ).  Also, most months I pay extra money towards my escrow, and principal as well. However, it is never reflected in the month that I paid it, my account reflects the additional funds in the following month instead.
Consumer complaint received 2018-11-05
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made.. The accounts have nothing to do with me..I am a victim of identity theft and the account is not my responsibility, please remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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 XXXX XXXXXXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This Account payment dates are different and not acurrate please remove