davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
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. (NJ)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 Any other adverse item 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion credit bureaus must validate this account 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 accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$2400.00}
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (PA)

In Accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2022-04-29
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. (WI)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX-XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX , Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX, Account # 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 2023-04-03
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: EQUIFAX, INC. (NY)

I have sent this company multiple dispute, letters with proof of XXXX XXXX, requesting for the removal of a repossession remark on my credit report that started from XX/XX/2015. My dispute have been ignored multiple occasions I have proof and this repossession thats over seven years on my credit report is truly affecting my life and even with proof, my disputes are being ignored. I have been denied multiple times for vehicles because they say that the repossession is on my credit report, which is a violation because its over seven years from the time the repossession was on my credit, I will be attaching the letter from XXXX XXXX because after I made a complaint with them the cfpb they sent a letter requesting for the removal of the repossession on my credit report, and it is still there. I need this removed immediately as my rights are being violated. I will be attaching the proofs of the letters I sent and also a letter from XXXX XXXX that they submit it directly to the CFPB website in response to my complaint.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This company is showing an old chargeoff on all of my credit reports. it has been giving me a hard time since i have been trying to obtain a car so i can get to and from work. i am in a completely different financial situation since my college days and i believe it is unfair for them to still be reporting this old information that is not reflective of who i cam as an adult. I need this account removed IMMEDIATELY since it has been having an effect on my life for a very long time now and i am tired of it. please help me CFPB can not take this any longer.
Consumer complaint received 2023-01-18
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. (TX)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2021-11-08
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: TRUIST FINANCIAL CORPORATION (MI)

On XX/XX/2021 ( 1 ) SunTrust Bank XXXX LightStream pulled my credit for no reason, and I've never contacted, nor ever conducted business with this company and never authorized them to pull my credit. 

On XX/XX/2021 two other companies ( XXXX ) XXXX XXXX and ( XXXX ) XXXX XXXX also pulled hard inquires. I never provided any of these XXXX companies permission to pull my credit. 

After noticing these unauthorized credit pulls, I immediately locked my credit report with XXXX XXXX and XXXX. I also contacted SunTrust/Light Stream and XXXX XXXX both stated that I would need to contact the credit bureaus and dispute it with them. There was no phone number or contact information on my credit report for XXXX XXXX. 

When I called XXXX XXXX to dispute these inquiry 's they said to ( a ) obtain a copy of my Federal Trade Commission Report ( which directed me to this website for CFPB, ( b ) and mail them a letter stating what happened. 

Please contact these companies and realize I never spoke to them directly, nor online, nor provided my info, nor gave permission to pull my credit for any reason, and please REMOVE those XXXX unauthorized hard credit inquiries from my credit report. 

I understand some companies may use other names of companies when seeking financing, but I don't need more credit at this time and the last time I authorized my credit was to purchase a house a few months ago and then was going to finance a bed that I just paid cash for. Those last three credit pulls were not authorized by me. 

Thank you.
Consumer complaint received 2024-02-27
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. (MO)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

Adhere to the law and promptly block the fraudulent accounts listed below from my credit file as required by FCRA Section 605b. Failure to comply within 4 business days will leave me no choice but to pursue legal action, and I demand your immediate attention to this matter. I expect swift action to rectify this situation, and your compliance with the legal requirements is crucial to avoid legal consequences. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove.
Consumer complaint received 2022-04-29
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. (WI)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX-XXXX, Account # XXXX XXXX XXXX  XXXX XXXX XXXX , Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # 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 2022-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

During COVID-19 period, I was unable to make payments for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

The communication about payment assistance was not communicated properly to me and I only became aware that I can apply payment assistance in XX/XX/XXXX which I did. 
However, there was missed payment remarks left onto my loan for the 5 months mentioned above. XX/XX/XXXX was done incorrect as there was a payment assistance already on the account. 
Given Covid-19 impact on my life, I was unable to make those payments. Since then, the house was sold, and the mortgage was paid off.
Consumer complaint received 2021-05-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (AZ)

US BANK - HELOC lending department, XXXX AZ XXXX After months of asking just one document at a time for our application, repeatedly asking for the same document after it was uploaded in their online system already. We received multiple alerts that our file will be closed in 5 days if we didn't submit the already uploaded documents. Our HELOC application was abruptly closed and we received a email saying we do not qualify for HELOC loans due to not being a GC holder or a US citizen. 

We have been in the states and hold a legal residential status and are eligible for loans/mortgages and credit lending for almost 15 years, never been denied a loan and our credit worthiness is exemplary. 

Strangely, we also have an EXISTING HELOC loan with the same bank and we were starting a new application for a better interest rate and adding an additional primary borrower on the HELOC. 

The agent made no attempt to clarify the legal status before carelessly closing the Application. After pointing out the issue personally to a local branch, no attempt was made by the bank to clarify the situation, address the complaint or even attempt a courtesy apology for inconvenience with some education on their guidelines for rejection of loan for my better understanding.
Consumer complaint received 2021-08-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Utah System of Higher Education (DE)

I owe uheaa {$1100.00} Im on a Disbursement plan while Im collecting interest. When Im being told by legislators that a bill was sign to help with student loans. I was terminated from my job from getting injured on my job making me temporarily XXXX. My account number-XXXX
Consumer complaint received 2020-01-23
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: Experian Information Solutions Inc. (TX)

I have reported both credit reporting agencies as they are violating the FCRA. I have submitted several disputes with these companies for an item under XXXX XXXX XXXX   reporting on my credit. This account has come back as verified yet both companies have failed to provide substantial evidence that this account is mine per the FCRA. I have asked for methods of verification as E-Oscar is not a reasonable method for verification. I have received nothing to date. I am filing a final complaint along with a letter from this company confirming that they don't even have an account with my name attached. I would like to know how these CRAs are verifying information when the company furnishing the information states the above in a letter I have attached. 

I will be filing a lawsuit against this company for damages and would like this report filed so that it can be submitted as evidence to the courts. 

Along with this previous violation, I would also like to add that per the FCRA, the account has not been noted as disputed by consumer with in 30 days. This is another violation of my rights and I will be seeking damages for the same. I have attached an updated credit report as well as documentation showing the original date of dispute to confirm my claims. 

To be clear, TXXXX has not responded to my recent correspondence of the matter.
Consumer complaint received 2018-10-04
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)

My current TransUnion Report contains the same ID Theft data that is on the ( attached ) XX/XX/2018 XXXX XXXX XXXX XXXX Report # XXXX that I disputed and submitted on XX/XX/2018 - cfpb COMPLAINT ID XXXX Closed.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MO)

This is not a personal problem that affects just me. This is affecting every consumer in our country. You have to fight & make several phone calls to get to your free annual credit report or even if you're denied credit. All 3 of these agencies direct you totally to their " pay for sites ''. This is a scam & is directed totally to people of low income or seniors. People with high incomes & other means of income do not rely on these so called credit companies. I also realize my complaint will be tossed & never addressed before I die.
Consumer complaint received 2018-02-06
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: Experian Information Solutions Inc. (FL)

On XX/XX/2017, I sent a debt validation letter to XXXX XXXX XXXX requesting that they provide me with specific proof showing that I was responsible for the debt that they are reporting on my credit file. I was very specific in requesting that they provide me with a signed contract by me or verifiable proof that I agreed to pay their company and that I agreed to do business with their company. What I received in return, dated XX/XX/2017 was an account summary that did not include my written consent to do business with this company. I then submitted a notice to Experian, requesting that they provide me with the documents included in their file that prove validity of this account, what I received from them was an updated credit report showing this account updated and not deleted.I did not receive from either of these companies any signed documents. I believe that both XXXX XXXX and Experian are violating my rights under the FCRA by reporting unverifiable information on my credit file. 
I am asking that you assist me in getting a resolution to this unfair credit reporting tactic. Reporting unverifiable accounts is ruining my credit worthiness. 
The account information that I have received from my credit report is : Account # XXXX Original Creditor XXXX for XXXX and Account # XXXX Original Creditor XXXX XXXX XXXX XXXX. balance XXXX.
Consumer complaint received 2024-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have contacted all three credit bureaus regarding these XXXX fraudulent account, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have not yet to receive an response from any of the credit bureaus of the status of their investigation or results.
Consumer complaint received 2022-07-20
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. (NJ)

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXX Balance Owed : {$6600.00}
Consumer complaint received 2021-11-08
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: CITIBANK, N.A. (IL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CBNA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2018-02-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (SC)

In XX/XX/2017 I was sent to XXXX XXXX XXXX XXXX XXXX due to an XXXX of XXXX. I was completely XXXX and the hospital made me sign documents that I didn't have any capacity at the time to understand. Being a XXXX XXXX I wasn't aware of how medical debt was distributed and recently found that my unpaid debt was sent to a collector, XXXX. I talked to them and they were unable to settle the debt for me and demanded immediate cash payment within 90 days in the amount of {$490.00}. For the past year I have been making payments to XXXX   XXXX XXXX in the amount of {$300.00} in total so far for the ambulance. XXXX has ruined my prestine credit score over a debt i wasnt even aware of. Is it illegal to make someone without capacity sign documents for a service that i didnt voluntary take nor was life threatening?
Consumer complaint received 2024-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've filed numerous reports to the bureau 's about this account not being mine and was a result of identity theft. 

Accounts : XXXX XXXX {$730.00} XXXX  XXXX XXXX {$810.00} XXXX XXXX XXXX XXXXXXXX was deleted and put back on my report.
Consumer complaint received 2020-01-23
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: Experian Information Solutions Inc. (NJ)

FTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-01-23
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. (NJ)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-01-23
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. (SC)

XXXX - new inquiry on XX/XX/2020 through XXXX XXXX XXXX XXXX - new inquiry on XXXX through Transunion XXXX XXXX XXXX -new inquiry- XX/XX/2020 through XXXX I have put a fraud alert on my name and social through XXXX and i have frozen my credit report with TransUnion and XXXX on XX/XX/2020 XXXX 

New inquiries are still being made after i put an alert out and froze my accounts. 
reached out to all the credit card companies that are trying to pull my credit report and nothing is being looked into or resolved