davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-24
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (CO)

IQ data On XX/XX/XXXX first call atempt was told I could not make a seetlement requested it in writing nothing sent Called early XX/XX/XXXX to seea bout the debt I did inquire about a settlement then was told to provide a card for payment I did to run at a later date. Call dropped. 

XX/XX/XXXX- called to cancel the payment as I have a right to was told I coukd not and was disrepected and was threatened with a phone call to my job about garnishment and that my kids were really going to suffer now. Was told about using my taxes to pay it off which was fine however he swore he knew i received my taxes already which he would not know, and even if I did he can not tell me how to delegate my finances. 

I understand if I get garnished however I don't deserve to XXXX forced into something I cant do at the moment as I presumed.
Consumer complaint received 2020-12-07
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. (IL)

On XX/XX/2020, I initiated a dispute to the 3 main credit reporting bureaus, XXXX, Equifax, and XXXX  for a bankruptcy reporting inaccurately. The FCRA requires that all information reporting on a consumer report to be 100 % accurate. It is now XX/XX/XXXX, and I have disputed this issue 3 times since and they have not provided the information to determine how they verified the negative reporting.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-15
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. (NC)

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX
Consumer complaint received 2021-11-03
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: PENNYMAC LOAN SERVICES, LLC. (TX)

I was in a forbearance plan on my mortgage with Pennymac in 2020. Per the Cares Act the mortgage was not to be reported late. I have no reported lates for 2020 on XXXX or transunion. The XXXX report shows no lates until XX/XX/2020. The month I paid off the mortgage. I have called Pennymac and get no response after putting in a complaint. I have disputed with XXXX several times and each time a new error pops up. I have been denied a mortgage due to this error. Im told my report shows my payment is $ XXXX per month. XXXX refuses to fix any errors and neither does Pennymac. Im being harmed financially waiting another year to buy will put homes out of reach for me.
Consumer complaint received 2019-05-29
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: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY REPORT WITHOUT MY KNOWLEDGE. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND HAVE THOSE ACCOUNTS REMOVED.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XX/XX/XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that XXXX XXXX  supplied to XXXX, Transunion and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to two Accounts ( XXXX open XXXX XXXX & XXXX XXXX XXXX ) that I previously had with XXXX. 


Prior to the Pandemic I had Impeccable Payment history XXXX  credit score, I value being a financially responsible client. However, during XXXX I suffered from a major hardship, I had a great death in my family and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother XXXX XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to XXXX in reference to 2 Accounts that I had at the time and requested Hardship options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account. According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I contest that XXXX remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have reached out to them in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Consumer complaint received 2021-02-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (PA)

I have sent XXXX and Experian as well as XXXX multiple letters challenging these accounts on my account by XXXX ... There are 5 in total ... XXXX, XXXX, XXXX, XXXX, XXXX. XXXX could not validate these accounts and deleted them. Its my understanding that Experian should follow suite as they nor XXXX can validate these debts. This is a clear violation of my rights and i demand that they delete this off my credit report and never report it again.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As a consumer and natural person am a victim of identity theft. Transunion, XXXX, XXXX have used and furnished my consumer credit report without my authorization, consent or written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! Transunion, XXXX, and XXXX has violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMER 'S RIGHT TO PRIVACY! Transunion, XXXX, and XXXX are in direct violation of the FCRA and the Gramm Leach Bliley Act of 1999.
Consumer complaint received 2021-02-24
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CAPITAL ONE/CABELAS Inquiry : XXXX XXXX, 2020, XXXX XXXX XXXX XXXX : XXXX XXXX, 2020, XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2021-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This account is older than 7 years and past the statute, I want it removed. 

XXXX XXXX TransUnion XX/XX/XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$530.00} {$530.00} No. of Months ( terms ) : 0 0 High Credit : {$530.00} {$0.00} Credit Limit : {$300.00} {$300.00} Past Due : {$530.00} {$530.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Unpaid balance reported as a loss by credit grantor. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-02-08
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. (AZ)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of inquiry : XX/XX/XXXX, IN XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was reviewing my credit report with Transunion Reporting agency and discovered an inquiry from XXXX ( XXXX ) that was done on XX/XX/year>. I have never applied for any credit or services from this Bank XXXX Company. I called them directly and ask what this inquiry was for and was told they do not have any record of me making application to this company. I asked that this inquiry be removed from my Transunion credit history and any other agencies that they use.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was reviewing my credit report with Transunion Reporting agency and discovered an inquiry from XXXX ( XXXX  ) that was done on XX/XX/year>. I have never applied for any credit or services from this Bank / Company. I called them directly and ask what this inquiry was for and was told they do not have any record of me making application to this company. I asked that this inquiry be removed from my Transunion credit history and any other agencies that they use.
Consumer complaint received 2024-02-08
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. (GA)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX  days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX  Balance : {$710.00}
Consumer complaint received 2024-02-08
Product: Credit reporting 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)

Someone who probably has my personal information applied to get credit cards causing so many inquires on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-02-08
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. (AZ)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-02
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 recently found out that my information was stolen. Someone has used my identity and opened these accounts. XXXX XXXX XXXX XXXX XXXX {$11000.00}, XXXX XXXX XXXX XXXX XXXX {$15000.00}. I have filed an ftc report and spoke with the creditors about these matters and they have refuse to remove them. I did not open these accounts and I have never used these accounts.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XXXX XXXX XXXX account ending XXXX I settled and closed this account in XX/XX/XXXX. The high balance was {$1600.00} ( see attached statement dated XX/XX/XXXX ). After agreeing to settle and close the account XXXX has continued to report a high balance of {$13000.00}. I have disputed this many times to all 3 reporting agencies. Last fall I initiated a dispute with CFPB which triggered a change in reporting. However, Now XXXX is reporting a high balance of {$13000.00} in XX/XX/XXXX ( see attached report from XXXX  ). Not only are they still WRONG they have moved the date this will clear from my credit reports 4 years into the future further damaging my credit. Please help me get this cleared up. It is high time this account is completely removed from my credit reports.
Consumer complaint received 2021-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Hello my name is XXXX XXXX. I have seen this collection account from portfolio recovery associates on my credit reports. This account is not mine and I need this to be resolved and removed asap. This collection account came from original creditor XXXX XXXXXXXX XXXXXXXX XXXX. None of these accounts were mine and these were fraud. I need this to be removed from my credit les as it is hurting my credit le when this account was never mine. Thank you
Consumer complaint received 2021-02-24
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: Bread Financial Holdings, Inc. (FL)

Wayfair said if I paid for my debit, after not sending proper notifications. It would pay for delete. They did not this my account is now even more negative than before paying this off. This is in writing, there is confirmation of this. They did not send notices or call proper numbers. They need to fix this immediately or there will be legal action taken.
Consumer complaint received 2024-02-08
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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-02-08
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. (GA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-07
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. (IL)

On XXXX XXXX, 2020, I initiated a dispute to the 3 main credit reporting bureaus, Transunion, XXXX, and XXXX  for a bankruptcy reporting inaccurately. The FCRA requires that all information reporting on a consumer report to be 100 % accurate. It is now XX/XX/XXXX, and I have disputed this issue 3 times since and they have not provided the information to determine how they verified the negative reporting.
Consumer complaint received 2020-11-09
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. (NC)

It is being reported that I had three 30 day late payments from XXXX, following two 60 day late payments from XXXX. Additionally it was reported that I had 2 60 day late payments in XXXX, when there were two on time payments made in XX/XX/20 and XX/XX/20. Additionally there were a XXXX day late payment reported after two 60 day late payments reported in XXXX. This sequence of on time and late payments are not Possible. There is no possible way to have an on time payment followed by two 60 day late payments. This payment skipped the 30 day supposed late payments and further damaging my report. Delete immediately.
Consumer complaint received 2019-05-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (MA)

I took out a loan from Loan At Last for roughly {$500.00} almost a year ago ( I believe XX/XX/XXXX orXX/XX/2018) and have been getting $ XXXX taken out of my bank account every two weeks ever since. The interest on this loan is near or exceeds 800 % at this point which exceeds the usury limit for Massachusetts. I would like this company to stop pulling money out of my account and to refund me the interest I have been paying for almost a year now. I have had about $ XXXX in total taken out of my account for a {$500.00} loan. Please help