davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have sent several request to the named companies as well as the credit reporting agencies to advise them that I DID NOT AUTHORIZE the inquiries on my credit file. They still remain on my credit file and all credit reporting agencies have failed REPEATEDLY to provide me with documentation to show where I authorized such. They will not be able to do so, because I only authorized XXXX XXXX XXXX to pull my credit file. Both the dealership and the salesman have advised me that they only submitted an application through XXXX XXXX XXXX.
Consumer complaint received 2020-12-31
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)

XXXX XXXX XXXX , XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX XXXX XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Apartment complex This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score see attachments of the fcra violations
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (UT)

XXXX I have made a dispute that XXXX information is inaccurate and in return I received letter a confirming their information is accurate. On Equifax website it states and I quote " This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. '' I'm requesting XXXX provided proof of third party vendors that provided this accurate information Equifax, XXXX information which has been provided by XXXX states information provided XXXX is accurate which in fact isn't. Both information provided by XXXX is wrong and inaccurate on both credit reports. Theirs no abbreviations on Federal court documents verifying the government building. the credit report doesn't have the full Federal court government name and theirs no full address of the federal court house on both Equifax and XXXX. By the FCRA any information placed on a consumer credit file needs to be accurate according to the document when placed on a consumers credit file. I request by law for proof of XXXX provided their Investigation is accurate.

. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Consumer complaint received 2021-12-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UMPQUA HOLDINGS CORPORATION (VA)

The property in question was originally purchased as a primary domicile in Washington XXXX XXXX XXXX VA loan. The lender, Umpqua bank, escrowed taxes and insurance. I later moved for work, but kept the property as a rental. When the original policy lapsed, Umpqua procured a new policy for a rental property on my behalf. It was quite expensive. In late XX/XX/2021 I applied for a new policy with XXXX, consolidating it with my other insurance products, with a policy start date of XXXX XX/XX/2021. I did the same with another rental property with another lender at this same time. As part of the policy purchase, I provided the name of the lender/escrow, and XXXX contacted them. 

Several months later, I learned that Umpqua did not pay XXXX when billed. I received another notice at the same time re : the non-Umpqua property, but the payment there was disbursed from escrow shortly thereafter, so I thought little of it. I received a subsequent notification from XXXX, however, and they began attempting to collect the amount from me directly. I contacted XXXX to learn that they had never processed a change in insurance provider and XXXX was not on record. In inquired about the change in my monthly payments previously, but received no answer. I also directly inquired about whether or not I should pay XXXX directly, but received no answer. 

Umpqua contacted XXXX and received proof of insurance shortly thereafter. Additionally, I received an escrow analysis that lowered my payments, effective XXXX XX/XX/2021. However, when I paid the amount provided in the analysis for XXXX, I received a notification from XXXX that I had underpaid. Additionally, XXXX contacted me again requesting the insurance payment. I contacted Umpqua again asking XXXX ) whether they intended to pay XXXX XXXX ) the correct status/amount of my monthly payments and XXXX ) the reason behind the conflicting information on monthly payment amounts. I received no answers but was told they would follow up within the week. It has been XXXX weeks ; I still do not know how much I owe or who is paying XXXX. 

Note, I believe Umpqua contracts through a third party for escrow. I do not know and was not provided the name of this third party firm.
Consumer complaint received 2021-05-08
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: EQUIFAX, INC. (MI)

I have sent several letters to not only the credit reporting agencies as well as companies directly to advise them that several accounts on my credit report that were a result of identity theft. I have sent police reports as well as the FTC fraud affidavit and they continue to not only report these items, but they have recently charged-off causing even greater harm to my credit score and any lending opportunities in the future.
Consumer complaint received 2021-05-08
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. (AL)

I demand the deletion of the fraudulent account and inquirie listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-12-04
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. (CA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$380.00} XXXX {$5500.00} XXXX XXXX {$2800.00} XXXX XXXX {$5700.00}
Consumer complaint received 2020-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (GA)

United Revenue has placed a debt with XXXX with my name and social however I do not know who this is and neither do I have a contract with them. I have asked them several times to provide me with a contract that I have signed and original documents and I have not received neither. 

There are a listing for the following amount : {$1000.00} and I would like those removed from my credit file as soon as possible if they can not provide me with the original documents signed by me.
Consumer complaint received 2021-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

0n XX/XX/2021 I mailed a letter to Capital One regarding my account ending in XXXX seeking more information about the denial of my request for a credit line increase. 
Under the Equal Credit Opportunity Act, I have the right to know the specific reason why my credit line request was denied. Although I have been a Capital One credit card holder for decades with a credit score in the 800 's with a credit utilization less than 5 %, the only response I have received is that the recent use of this accounts existing credit line has been too low. Since this is not specific, it is requested Capital One provide the specific factors based on my credit profile that was used to deny my request for a credit line increase. A letter was received acknowledging my correspondence but did not offer the information requested. Instead I was asked to call and speak with a Customer Service Representative. I would like to have the reason regarding my denial in writing based on the Equal Credit Opportunity Act. 

The letter mailed is attached.
Consumer complaint received 2021-12-04
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. (CA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$5500.00} XXXX XXXX {$2800.00} XXXX XXXXXXXX {$5700.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$380.00}
Consumer complaint received 2021-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have sent several letters to not only the credit reporting agencies as well as companies directly to advise them that several accounts on my credit report that were a result of identity theft. I have sent police reports as well as the FTC fraud affidavit and they continue to not only report these items, but they have recently charged-off causing even greater harm to my credit score and any lending opportunities in the future.
Consumer complaint received 2022-04-07
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. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX notified me that XXXX XXXX XXXX added "Remarks" impacting my credit score on my credit report. Remarks were added around XX/XX/2019. I contacted XXXX XXXX XXXX and they confirmed that there were no issues with my account, and there should not be "Remarks" that hurt my credit score. My account with XXXX XXXX XXXX is in Perfect Standing. They told me to dispute these remarks. I submitted a dispute over XXXX XXXX for the remarks on my XXXX report. Shortly after they had corrected the issue as follows "Between XX/XX/XXXX and XX/XX/XXXX the following remark was added to this account: Dispute resolved; reported by grantor - meets FCRA requirements"They did not take any points off my credit score. On Equifax report the remarks were marked as follows: Between XX/XX/XXXX and XX/XX/XXXX the following remark was added to this account: Account previously in dispute - Now resolved by data furnisher. Impacting my score. I submitted a dispute with Equifax and spoke to representatives about this issue, and was told that it would be corrected. However, after disputing I received an update that the dispute was closed and they would NOT change remarks.  On XX/XX/XXXX I noticed my Equifax score dropped 5 points due to these same remarks. They kept remarks as follows: "Consumer disputes after resolution"XXXX XXXX XXXX confirmed there were no issues and that this was a mistake. XXXX immediately resolved the issue as it "Meets FCRA Requirements". Despite this Equifax continues to keep this on my account, lowering my credit score, and rejecting disputes. I need help dealing with Equifax to get this off as this is a complete error. Attached are copies of my latest XX/XX/XXXX and Equifax reports, so you can see the difference for yourself. Highlighted the remarks section.
Consumer complaint received 2022-04-07
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. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX on my credit report it reflects I was 30 Days late in XX/XX/XXXX, but I had automatic withdrawal. Based on the supporting documentation, it shows that payment was made, but they did payment reversals on numerous dates. 

XXXX - on my credit report, it reflects I was late 30 days in XX/XX/XXXX, but the supporting documentation and phone call with XXXX representative says otherwise. 

XXXX- on my credit report, it reflects I made late payments between XXXX and XXXX. In speaking with the representative, they did not have records to verify late payments.
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NV)

I currently have a business auto loan with J.P Morgan Chase for starters I signed for this loan on behalf of a company and was informed the loan would not report to my personal credit. on the XXXX of XXXX I contacted chase to make my auto payment once I made my payment via phone chase verified payment was successful. I later found out that the payment came up invalid because I guess the rep input the incorrect account information. 
It was not until chase reported me late on XXXX the XXXX I was contacted and informed that my payment never processed. I immidely verified my bank account payment and the pay was deducted. I disputed the late with the credit agency and cases still reported me late inspite of me trying to still pay my bills after being laid off with XXXX. After being laid of with XXXX I contacted J.P Morgan chase and informed them that I needed for them to give me thirty days deferment on the auto loan. I was told by the reversative my request was approved and that my next payment was not due until XXXX which I have proof this agreement was updated in my account. However chase still reported my balance past do by the credit agency's..
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (VA)

My issue is with Experian penalizing me 15 points on my FICO score without cause. On or about XX/XX/2021, I received a 2 point boost to my FICO score, giving me a FICO of XXXX. Tonight, I was on Experian Chat asking if I can disconnect select accounts from Boost because I did not want Experian monitoring my checking and savings debits and credits, but I wanted Boost to continue to use my Line of Credit and Credit Card information for my FICO score. The Experian Chat representive advised me to use the disconnect feature and I would be able to select the accounts I wanted to disconnect. This was not true and it disconnected all of my accounts from Boost. Within a matter of minutes, I reconnected my accounts to Boost. In that short 10 minutes, Experian lowered my FICO score by 15 points for simply disconnecting my self-reported accounts from Boost. When I reconnected just a few minutes later, Boost gave me 2 points back, for a net loss of 13 points. The " What's Changed '' feature of the Experian website listed 7 things that changed from the last FICO score change ( XXXX points ) on XX/XX/XXXX until tonight when it dropped by 15 points to XXXX points. 6 of those 7 items that changes were all positive due to lower debt and closed accounts. Only 1 item was " potentially harmful '' to my FICO and that was a new charge of {$380.00} on a credit card that had a zero balance. So, the only thing about my credit worthiness that changed was all for the positive, yet I was penalized 15 points for choosing not to use an optional feature. This arbitrary decrease of my FICO score is affecting my ability to access credit at the " Excellent '' interests rates and has now dropped me down to the " Very Good '' rating for interest rates. Experian should not have the abilty to capriciously adversely affect a consumer 's abiltiy to acces fair and reasonable credit and interest rates. Their Boost program gave me 2 points and then dropped me 15 points when I decided not to use their optional program. This is a scam that is hurting good people who have worked hard to raise their FICO score.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (TX)

I have tried contacting GM Financial but no one answers the phone or call back. I tried sending letters requesting information. The letters are returned but I use the address on the website. I am requesting a copy of a XXXX for a XXXX XXXX XXXX XXXX for XXXX or XXXX. I never received a copy. 

The information you reporting to the credit bureaus are inaccurate. I am not sure how the credit bureaus are verifying information from you when I can't even get ahold of any one from the company. 

I do not any account information. Please use my name to find the info you need.
Consumer complaint received 2020-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I authorized a transaction for attorney services to be provided to me by XXXX XXXX XXXX XXXX office. The attorney had agreed to file my divorce papers in the court but did not file any papers in the court. I had followed up multiple times but I didnt get any response and was cited various reasons ( computer carshed, death of relative etc ) later. I contacted the merchant on XX/XX/XXXX after waiting patiently and she denied to return the amount I disputed the transaction on XX/XX/2020 but the bank has now denied my dispute mentioning that my transaction is authorized. This case is about services not provided to me by the merchant and charged me XXXX $ for the same. I sent all the communication to bank mentioning how merchant failed to provide the service and negligence on the behalf of providing service by merchant but I have been denied the refund. 

Attaching all the communication with merchant for reference
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I AM A VICTIM OF IDENTITY THEFT. THERE ARE NUMEROUS OF FRAUDLENT ACCOUNTS APPEARING ON MY CREDIT REPORT. I'VE SENT COUNTLESS OF LETTERS TO THE CREDIT BUREAU AND I HAVEN'T RECEIVED A RESPONSE. PLEASE HAVE THEM REMOVE FRAUDLENT INFORMATION. I'VE INCLUDED MY FTC REPORT AND POLICE REPORT,