davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-27
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: Conn's, Inc. (TX)

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXXXXXX XXXX XXXX  loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any XXXX LOANS. 


The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from my credit report.
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (PA)

I just noticed that somebody has been stolen my identity. I want all these items removed my credit report immediately. I attached my FTC REPORT # XXXX According to FCRA Law, this agency was to remove and block the fraudulent accounts within 4 days of receiving my dispute letter, but over 45 days has passed and they still have not removed these items. that is a violation of my consumer rights. this company needs to remedy this violation with proper consideration that does not break the law. Also I feel like my privacy has been infringed upon by this agency sharing my bankruptcy details, this is a very private matter to me. Bankruptcy is nt a public record under 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit report.
Consumer complaint received 2017-03-31
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PROPEL FINANCIAL SERVICES LLC (TX)

I have sent in overpayments. The amount due plus extra to be applied to principal only. However they apply the extra payment to interest and principal, not the principal only. In  XXXX  there was no payment due per the statement but I still sent in {$100.00} to be applied to principal and they applied it to the interest not a single   XXXX   was applied to the principal balance.
Consumer complaint received 2021-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consolidated Recovery Group, LLC (MA)

I XXXX XXXX have a serious complaint to post with the Consumer Financial Protection Bureau ( CFPB ). A debt collection agency known as Consolidated Recovery Group has posted a collection against my personal credit reports, when all of the charges were posted with XXXX XXXX XXXX through a corporation known as XXXX XXXX XXXX. I have no ownership with this corporation, I am just the bookkeeper/secretary. However, there was never a personal responsibility agreement with XXXX XXXX XXXX from XXXX XXXX. The only agreement was with XXXX XXXX XXXX. In addition, my understanding was that several payments were made from a former client with multiple stolen credit cards. It took a great deal of time for these cards to be reversed from stolen identity theft. That is not a responsibility from XXXX XXXX, an individual with a bookkeeping position. Consolidated Recovery Group has by posting a collection to a non-responsibility individual, working for a Massachusetts Corporation. They are in serious violation of my rights under the Fair Debt Collection Practices Act. By connecting this debt to me personally, they are essentially developing a phantom debt to me personally, whereas the stolen use of credit is a federal crime and should be filed with the Federal Bureau of Investigation. Consolidated Recovery Group is in violation of their subscriber agreement with all three major credit bureaus, XXXX XXXX  and XXXX XXXX Respectively. Accordingly, I demand that this collection that shows an original balance of {$54000.00}, now shown as {$100000.00} be deleted immediately. This collection process is highly illegal and must be discarded, purged from all of my credit reports, and returned from Consolidated Recovery Group to XXXX XXXX XXXX. This debt posting is causing severe damage to my overall creditworthiness. DELETE THIS ACCOUNT PERMANENTLY!!! 
XXXX XXXX
Consumer complaint received 2022-04-11
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: Resurgent Capital Services L.P. (PA)

The FIRST DATE OF DELINQUENCY REPORTED BY THE ORIGINAL CREDITOR XXXX was XX/XX/2016. lvnv illegally re-aged this outdated debt damaging my credit and refuse to remove it. The FIRST DATE OF DELINQUENCY REPORTED BY THE ORIGINAL CREDITOR XXXX  XXXX was XX/XX/2016 lvnv ILLEGALLY RE-AGED this account and refuse to remove it
Consumer complaint received 2018-12-04
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Texas Guaranteed (OR)

A woman called on XX/XX/2018 at XXXX and refused to identify herself other than to say her name was XXXX. Asked her at least 5 times to identify the company or what the call was about because she wanted me to confirm my name and year of birth before she would say who she worked for. Finally identified the company as Trellis Company, who I do have a payment plan with. I pointed out to her that it was XXXX in my time zone, which didn't seem to phase her at all. She was calling about a {$5.00} debt that was less than 30-days old. All she had to do was say this is XXXX from XXXX and I would have recognized the call as legitimate and answered all her questions, even though it was too early in the morning for her to be calling me.
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

On or about XX/XX/2018, Citi sent a credit balance check to me for {$23.00}. I have been making payments and charges for weeks. The reason stated was that I requested the return, which I did not. 

I had made a {$3.00} parking charge to that card on or about XX/XX/2018. This charge was not deducted prior to sending me a check. This would mean that I would have been responsible for late charges and interest charges, which I have not yet looked to see if they were charged or not. If the charge was made 4 days prior to them sending a check a did not request, this amount should have been deducted from the credit balance. 

Federal law says they are supposed to contact me to see if I want a refund of a credit balance that remains at 6 months. If I am charging and paying intermittently, how are they determining a balance remained for 6 consecutive months. New charges should be deducted from the oldest credit balance.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-09-28
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. (GA)

in accordance with the fair credit report act this creditor, XXXX XXXX XXXX XXXX XXXX XXXX  under 15 usc1 secton 602 states I have the right to privacy 15 usc1681 secton 604a section 2 also states that consumer agency can't furnish an account without my written instructions, under 15 usc 1666b creditor may not treat a payment on a credit card account under on open consumer credit late for any purpose. 

for the XXXX XXXX XXXX, I responded to a lawsuit, and they could not provide the information, it needs to be removed from my credit reportXXXX XXXX needs to remove cause limitations has been 7 years
Consumer complaint received 2022-01-27
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. (UT)

EQUIFAX LLC AND XXXX XXXX ARE REPORTING FRAUDULENT INFORMATION IN MY NAME, SUCH AS HARD INQUIRIES ON CREDIT REPORTS AND XXXX XXXX WILL NOT OR HAS NOT SEALED MY XXXX XXXX REPORT AS I HAVE ASKED THEM TO DO FOR 5 YEARS SO FAR. 
EQUIFAX LLC. HAS NOT REMOVED FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT DUE TO ID THEFT. 
AS STATED IN THE FCRA.
Consumer complaint received 2022-09-28
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. (PA)

I was a victim of idnetiy theft and multiple accounts and inquires were opened up in my name. I reached out to the bureaus and companies and there was no change. the dates of the inquires are.. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 i sent a letter regarding inaccurate and unknown things on my credit report. To this day almost 60 days later i have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. They have yet to send any proof of these items to me. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or i will fill for litigation due to the stress you caused. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion has been given proof of closed account as satisfactory. In fact XXXX  contacted them and it was briefly fixed and appeared as satisfactory. Account in question is a joint account with husband. His report is fine and appears satisfactory.Checked credit again today and account contains numerous errors. TransUnion is being willful and has caused great pain and stress as we're in the process of loooking for new house and obtaining loan.
Consumer complaint received 2021-05-17
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)

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 XXXX ... XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : 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 2023-05-25
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: EQUIFAX, INC. (GA)

I'm trying to report a dispute with the debt collections on my credit report, I don't recognize any of this and I have been sending letters for those verifying those accounts and they not responsive as consumer there a law can protect me for this bad practicing the Fair Credit Act 15 USC 1681a ( 2 ) I didn't give any permission to have those accounts furnished on my credit report
Consumer complaint received 2018-07-12
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. (NY)

I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Transunion and XXXX/XXXX  with no successful resolution. Transunion  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

XX/XX/2022, XXXX this is a responding complaint. Complaint number # XXXX. XXXX states that the address XXXX XXXX XXXX, XXXX, NC XXXX is or was my address and XXXX obtained this address from XXXX, XXXX and Equifax. The nationwide consumer reporting agencies. I am disputing this address and request XXXX to reinvestigate. I DO NOT HAVE THAT ADDRESS ON MY CONSUMER CREDIT REPORT WITH XXXX, EQUIFAX AND XXXX. Therefore XXXX is reporting inaccurate information which is a voilation of the fair credit reporting act, 15 U.S code 1681s-2. Reinvestigate this address with XXXX, XXXX and Equifax.
Consumer complaint received 2022-01-27
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. (SC)

XX/XX/2022, XXXX this is a responding complaint. Complaint number # XXXX. XXXX states that the address XXXX XXXX XXXX, XXXX, NC XXXX is or was my address and XXXX obtained this address from TransUnion, XXXX and XXXX. The nationwide consumer reporting agencies. I am disputing this address and request XXXX to reinvestigate. I DO NOT HAVE THAT ADDRESS ON MY CONSUMER CREDIT REPORT WITH TRANSUNION, XXXX AND XXXX. Therefore XXXX is reporting inaccurate information which is a voilation of the fair credit reporting act, 15 U.S code 1681s-2. Reinvestigate this address with Transunion, XXXX and XXXX.
Consumer complaint received 2022-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2021-05-17
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. (DE)

I sent certified mail to each bureau and they have not responded to unverified items. Here are the items listed : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX U.S. Dept of Education XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. XXXX XXXX XXXX # XXXX, # XXXX.
Consumer complaint received 2021-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (CO)

I'm unable to actually view the dates that these transactions were made because they blocked my access to my disputes on my account but it's several Transactions of {$5.00} and {$20.00} amounting to a few XXXX dollars of fraud. I've attempted to dispute this with my bank and as I said they blocked my access to the speech and actually claimed that their fraud prevention team suppoteam spoke with me during one of these transactions and approved them, thus denying my disputes.
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I believe FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Would you mind reviewing the documents? Several of the listed accounts are incorrect, and it's causing me discomfort.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I paid my car finance off with XXXX XXXX for the amount of XXXX on XXXX XXXX. XXXX XXXX sent me an official release of lein letter on XXXX XXXX which I can provide. On my credit report with XXXX, XXXX, and Experian its reporting that I still owe XXXX XXXX  an amount of XXXX. Ive contacted XXXX XXXX they told me they will fix but they never did. I disputed this with the credit bureaus but nothing has changed. This is affecting my credit history stopping me from purchasing a home to build a foundation with my family. I also have my car title with no lein hold on it. I would like this account to be removed from my credit report with all three credit bureaus. Can youll please take care before I take legal actions. Thank you
Consumer complaint received 2022-01-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (TX)

After receiving purchase agreement, signed into better.com website under my profile and selected desired rate of 3.375 % with {$240.00} credit. Followed the instructions and downloaded purchase agreement. To my dismay, I'm being charged {$300.00} with the rate of 3.375 %. I'm getting the run around from the loan officer, XXXX XXXX. I signed into better, com website under my profile, selected the desired interest rate with {$240.00} credit and downloaded purchase agreement as required. I'm absolutely livid about this situation. This would of never happened with a live rep. These online banks need to be more regulated. I feel I was duped with a bait and switch.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (SC)

XX/XX/2022, LexisNexis this is a responding complaint. Complaint number # XXXX. LexisNexis states that the address XXXX XXXX XXXX, XXXX, NC XXXX is or was my address and LexisNexis obtained this address from XXXX, XXXX and XXXX. The nationwide consumer reporting agencies. I am disputing this address and request LexisNexis to reinvestigate. I DO NOT HAVE THAT ADDRESS ON MY CONSUMER CREDIT REPORT WITH XXXX, XXXX AND XXXX. Therefore LexisNexis is reporting inaccurate information which is a voilation of the fair credit reporting act, 15 U.S code 1681s-2. Reinvestigate this address with XXXX, XXXX and XXXX.
Consumer complaint received 2021-05-17
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. (CA)

XX/XX/21 I mailed in an FTC report to all 3 bureaus. There were accounts listed on there as a result of identity theft. Pursuant to 15 USC 1681c-2 this information should have been blocked by XX/XX/21. I also see that my information was disclosed to a 3rd party. Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from a consumer report pursuant 15 USC 1681a ( 2 ) ( B ). The bureaus are in violation of the FCRA. I am being contacted by collectors and the debts have nothing to do with me!
Consumer complaint received 2022-01-27
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. (FL)

On XX/XX/2021 i sent a letter regarding inaccurate and unknown things on my credit report. To this day almost 60 days later i have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. They have yet to send any proof of these items to me. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or i will fill for litigation due to the stress you caused. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.