davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KS)

I am attempting to obtain a new VA mortgage, while selling and closing on my current home. My current mortgage received Cares Act forbearance, and USAA refused to underwrite the mortgage because my loan had been in Covid forbearance under the Cares Act. 

The fact that I used it was used as a " discretionary '' underwriting determination to deny me a new mortgage, even if the current mortgage was made current.
Consumer complaint received 2019-08-22
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: Experian Information Solutions Inc. (CA)

the following companies are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX., XXXX XXXX, XXXX , XXXX XXXXXXXX
Consumer complaint received 2022-01-15
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. (TX)

The credit bureaus failed to respond within the time frame allowed by the FCRA. I have had such a hard time trying to get them to remove inaccurate information as well as the credit freeze. Please help
Consumer complaint received 2021-06-25
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. (CA)

Disputing errors on Experian credit report. For over a year, every 30 to 45 days via Certified Mail I have been attempting to fix errors on my credit report. Each time Experian does not correct the problem, and at times they add additional incorrect information to my credit report. 

Specific example : I paid in full a second mortgage with XXXX XXXX XXXX in XXXX. Experian reports that this loan was " written off ''. I disputed this. On three occasions I provided Experian with proof that Experian 's reporting is not accurate in the form of a letter I received from XXXX on their letterhead stating that the loan was paid in full in XXXX. Now, in addition to not fixing the incorrectly reported account status, Experian added that the loan was " charged off '' in XXXX and XXXX of XXXX to the payment history. When I spoke to experian, I was told that they received my letter from XXXX XXXX when the loan was paid in full -- however that Experian only reports what XXXX tells them to report. When I said there is no way XXXX added the incorrect data to my credit report, the response I got from Experian customer service ( XXXX ) was " they always blame it on us. '' Experian 's inacurate reporting has caused my credit score to plummet, the inability for me to obtain credit, and it has prevented me from obtaining housing for over a year. 

Each dispute filed with Experian monthly for over a year provides the same incompetent results. Further Experian blames XXXX for reporting the data incorrectly, shifting the burden of accuracy to XXXX. When I contact XXXX they tell me they do not report what Experian has on my credit report XXXX they report what is stated in the letter of proof I sent to Experian XXXX, and they are not reporting the loan was " written off '' nor any activity beyond XXXX.
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (OH)

XX/XX/2022 I went to my courthouse to ask if they report bankruptcies to the credit bureaus. They gave me a letter stating They do not report any bankruptcies to anyone. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to 15 USC 1681.

The credit bureaus violated my given rights under 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

According to : 15 U.S.C 1681 section 602 A ( 4 ). I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions.

According to : 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2022-01-15
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: Experian Information Solutions Inc. (TX)

The credit bureaus failed to respond within the time frame allowed by the FCRA. I have had such a hard time trying to get them to remove inaccurate information as well as the credit freeze. Please help
Consumer complaint received 2023-03-21
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: GOLDMAN SACHS BANK USA (CA)

I am writing to file a complaint against Goldman Sachs for its lack of response to my dispute regarding errors on my Apple credit card account. On XX/XX/, I sent a letter to Goldman Sachs disputing errors on my credit report, including discrepancies and incorrect information on my account. My letter also requested a correction to my XXXX and XXXX consumer report. 

As the furnisher of the information, Goldman Sachs is responsible for providing accurate information about my account to the credit reporting agencies. However, despite my attempt to bring the inaccuracies to their attention, Goldman Sachs failed to respond to my dispute letter within the 30-day time frame required by law.
Consumer complaint received 2019-08-22
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. (CA)

the following companies are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX,
Consumer complaint received 2022-05-02
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-29
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. (MO)

About mid XX/XX/2018 I contacted Transunion in regards to unreported accounts I have and asked how I can get them on my credit report. I was told to mail to them all the information needed such as company name, account history, and such. I did this and now when I call Transunion, they now tell me they are unable to add these accounts to my report, it must be the creditor who adds it. 
I am disputing incorrect information on my credit report, which by law I am allowed to do, incorrect information is not limited only to what is reported. If something is missing it does not properly reflect an accurate or close to accurate portrait, thus, basically making the credit report useless to begin with. 
Transunion is suppose to open a dispute and investigate the information. They have basically told me they will not be investigating the provided information because the creditor was not the one who provided the information. 
This is just wrong to continue to work against the people on issues that are so extremely important as a credit score. 
A simple phone call to the creditor to confirm the account is in fact real is not difficult to do.
Consumer complaint received 2022-05-02
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. (FL)

I tried several times getting this issue removed with experian, experian has failed to investigate or remove these acoounts, these accounts has been fraudulent i have been a victim of identity theft i have submitted a ftc report and proof of my identity i connected them several times and nothing has been done
Consumer complaint received 2018-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2018 when traveling abroad on vacation I started to make an ATM withdrawal of XXXX pesos from an ATM. After reviewing the fees query on the screen I cancelled the transaction and retrieved my card ( no atm receipt was given since I had cancelled the transaction ). 

The following transaction occurred on my XXXX statement : ATM Withdrawal XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/2018 ( {$340.00} ) Since this withdrawal was cancelled by me before completion no cash or receipt was received. 

I promptly notified my bank and they looked into it but declined to reimbursement and closed my dispute. They did provide a document from the bank but it was in XXXX and provided no resolution. I will attache this document.
Consumer complaint received 2018-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

I HAVE DISPUTED THAT THIS ACCOUNT IS NOT MINE & NEED TO BE REMOVED FROM MY CREDIT REPORT. IT BELONGS TO MY SON. ALSO, HIS INSURANCE INFORMATION WAS GIVEN AT TIME OF SERVICE WHICH WAS AND STILL IS FULL MEDICAID. THIS IS REPORTING NEGATIVELY ON ALL 3 CREDIT BUREAU REPORTS FOR ME AND IT'S NOT FAIR. THIS IS NOT A DEBT AND I AM NOT RESPONSIBLE FOR IT.
Consumer complaint received 2018-10-29
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)

fcra defamation of character law by putting back on negative information is 5 days transunion, XXXX XXXX XXXX, lXXXX all responsible {$1000.00} each by law part ( a ) 5h ( b ) ( ii XXXX must notify creditors more than 30 days also reported this 60 days ago
Consumer complaint received 2018-10-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MI)

The account is under " The Estate of ''. As soon as this servicing company took over the loan, they deducted homeowners from escrow and raised the payment. We supplied proof of homeowners several times, ( which we pay on our own ) to no avail. It took 2/3 years to get them to do a correct escrow analyasis. During that time we overpayed by {$2000.00}. They sent a check but it was made out to " The Estate of ''. We could not cash the check because the estate is closed. We got authorization to pay only principal and interest until the credit was sufficed. However, the entire time we paid principal and interest we were being charged a late fee and a balance was accruing since the entire payment was not made. I spoke with my rep every month numerous times and was promised this would be corrected. Records show we have been in default for over a year however we made our authorized payment every month. Now all of the sudden we get a certified letter saying foreclosure will start after XX/XX/2018 if we do not remit the entire balance owed which we do not owe. We have been trying to assume this mortgage once records were corrected and now they are trying to force us into forclosure.
Consumer complaint received 2022-05-02
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. (SC)

XXXX XXXX XXXX.Is not correcting the errors when trying to dispute account that don't belong.The accounts are not mines, and I trying to get them remove offbmy credit file.
Consumer complaint received 2021-09-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

ON XX/XX/2021 I attempted through the XXXX Dispute forum to dispute the validity of the debt as well as inform them and warn them for the third time that they are in violation of the FCRA, as both they as an organization that bought the debt and the original owner of the debt XXXX XXXX are both reporting the same debt which is not allowed. Bull City just keeps responding that the amount and debt is accurate and refuses to remove the item from Collections. Bull City needs to be fined for an FCRA violation and censored and have the privilege of reporting debt taken away from them.
Consumer complaint received 2020-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC (GA)

XXXX XXXX XXXX XXXXContract Callers Inc. - wrongful debt claim This is regarding an alleged outstanding balance of {$170.00}. I have disputed this balance several times with XXXX XXXX directly as well as with Contract Callers Inc. collections agency. I even pointed to XXXX XXXX XXXX own call recording which clearly confirms that I had NOT signed up for a service renewal in XXXX, as they falsely claim, which then I supposedly terminated prematurely hence owing the {$170.00} cancellation fee. 

Despite my repeated efforts to dispute this charge, and even by trying to have a XXXX XXXX call rep manager listen to that call recording, they still sent this wrongful debt to Collections anyway and reported to CRAs. This has tarnished my otherwise very good credit score/history and I am now unable to get a good interest rate on a new home mortgage. 

Just recently, I also disputed this bad debt record with XXXX directly, but to no avail since they tell me that XXXX XXXX is insisting that I owe this debt still. 

I will continue to pursue this wrongful debt to clear it from my record. My last resort would be a legal approach, but thought I'd try with CFPB first.
Consumer complaint received 2023-04-28
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. (AR)

This is my another request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, please delete the noteworthy of any information in my credit record that came about due to an alleged fraud. Please delete the following items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX  XXXX XXXX Balance Owed : XXXX ; XXXX  XXXX XXXX XXXX Owed : {$4400.00}.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (MD)

Credco credit reporting agency is reporting a statement that I did not make. The statement need to be removed from all my credit reports. 

Names : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Work : XXXX Position : XXXX XX/XX/1997 to Present Anything Else is Incorrect
Consumer complaint received 2018-10-29
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)

The Credit Agencies are incorrectly reporting that I was late on my XXXX/XXXX account. Please help me to remove these inaccurate late payments from my credit profile. I was never 30 days late XXXX or XX/XX/XXXX ; and XX/XX/XXXX.
Consumer complaint received 2024-02-27
Product: Credit reporting 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 writing to dispute the alleged debt referenced in your recent correspondence and request validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I demand competent evidence demonstrating my legal obligation to pay, including proof of the debt, chain of title, errors and omissions policy number, and any relevant documentation. I require a response within 30 days, failure of which will result in the removal of references to the debt from my credit file and cessation of collection activity. Any negative reporting to credit bureaus must cease immediately until this matter is resolved, and I demand the balance be XXXX out if validation is provided. Failure to comply will result in further legal action to protect my rights. 

Account XXXX XXXX XXXX - XXXX Last 4 Digit of SSN : XXXX
Consumer complaint received 2022-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

This company randomly appeared on my credit report and I have no knowledge of them whatsoever, my credit report reflects the fact that all my bills I actually owe are paid on time and current, they do not belong on my credit report and need to be removed as I have zero association with them...
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Credit Karma (OH)

I have had my federal Tax refund deposited into another person 's account knowingly by Credit Karma money spending account department on the XXXX XXXX XX/XX/XXXX XXXX in the amount of {$3200.00}. This is the amount that I should have received after XXXX XXXX XXXX withdrew their fees of {$94.00}. XXXX XXXX XXXX, is only a third party in the issue because XXXXXXXX uses them to collect their fees. I have been calling non stop concerning this issue and was told by both the irs and XXXX XXXX XXXX  XXXX that Credit Karma should have rejected the funds and not have sent the money to the wrong account since none of the information matched as far as the name and ssn number. I have been emailing and calling Credit Karma and have proof that this company knows that my refund has went to another person 's account which is fraud on their behalf. I have reached out to Credit Karma customer service by way of email having the issue escalated. I also have had to reach out to the XXXX XXXX XXXX and once again they are apologizing for putting my refund into the wrong account with no resolution from Credit Karma. Now, I have been referred to you all to try and get some help concerning getting {$3200.00}