davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to file a complaint against TransUnion for the failure to promptly remove a fraudulent account XXXX XXXX XXXX XXXX XXXXXXXX ] from my credit report. Despite confirmation and removal by XXXX and XXXX due to identified errors, your bureau 's non-compliance with legal obligations is evident.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DC)

I am writing to bring to your attention a concerning issue regarding the credit reporting agencies ' failure to correct inaccurate information on my credit report. Despite submitting documentation on XXXX XXXX, the reported inaccuracies have not been rectified, adversely affecting my creditworthiness. 

I kindly request your intervention to investigate this matter promptly and ensure that the credit reporting agencies comply with their obligation to correct and update inaccurate information in a timely manner, as stipulated by the Fair Credit Reporting Act. 

Thank you for your attention to this matter.
Consumer complaint received 2023-08-23
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. (IA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-23
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: EQUIFAX, INC. (NJ)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2024-02-05
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. (AR)

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume than no proof of the alleged debt, nor therefore any such debt in fact therefore exists.
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: PNC Bank N.A. (FL)

My fiance and I were on the last night of a 4 day trip to XXXX, XXXX on XX/XX/2023. We were exiting the XXXX XXXX at night in the rain. Neither of us had any more cash ( Euros ). We hailed a XXXX ( private company/no markings ). We asked him if he took Credit Cards, he replied no problem. We had him take us to a restaurant about a mile and a half away,15 mins total. He said the fare was " XXXX Euros ''. I gave him my PNC bank card XXXX XXXX XXXX In the haste of getting out in the rain and exhaustion, I neglected to ask for a receipt. It was a dark sedan, but I don't have a name or a license number etc. I have no idea if hw is independent or works for a company. After dinner I checked my bank statement and was shocked to see I was charged $ XXXX! I did NOT authorize that. I was scammed! We obviously did not take a XXXX dollar cab ride. We could drive from XXXX to XXXX and back for that price! Unfortunately I have no other proof. I provided this exact information to the PNC dispute department twice! They said they determined the transaction was authorized but have provided no proof. 
Dispute case # XXXX
Consumer complaint received 2024-02-05
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. (FL)

I have an existing dispute with XXXX about XXXX late payments reported in my credit report. XXXX for some reason has decided to investigate the issue with the furnisher, which I do not understand what investigation they are trying to do about the late payments that are not supposed to be reported on any consumer report according to 15 USC 1681 2 a 1 that clearly says and quote, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. We all know a late payment is a transaction. Today XXXX I sent the XXXX consumer agencies a letter stating the law and to remove those XXXX late payments. I also sent a letter to XXXX XXXX regarding the same issue.
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

A person reached out to capital one and said that they were me. They provided a fake image of my drivers license and gained access to my account. Somehow he found out my home address, phone and email and then changed all of those things on my account without my consent, thus locking me permanently out of my account. In trying to gain access to my account this person changed the information back nearly XXXX times in XXXX hours. A company as large as capital one would benefit immensely from XXXX factor authentication, or a more concrete way of verifying identity. The fact that this was flagged on my account as a problem and the person used this same method nearly XXXX times to gain access is troubling. Also, many of those times was while I was on the phone with Capital one saying NO please do not let anyone besides me into the system. I also asked them to put notes saying do not let a person change the phone to XXXX anything in that area code, and the system allowed this person to change it back to his name, phone and email many different times. Please provide feedback to Capital one that they need to change their authentication process immediately for fraud protection. Thank you
Consumer complaint received 2024-02-07
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. (PA)

To Whom It May Concern, I recently received a copy of my XXXX credit report, and I noticed an late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b. 
Your company is in clear violation of the law. Under 15 USC 1681b - permisible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. 
Best regards, XXXX XXXX
Consumer complaint received 2024-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

RightPath servicing claims to have in their possession, a copy of the XXXX XXXX XXXX master policy insurance documents for period XX/XX/XXXXXXXX XXXX XXXX I have requested that RightPath servicing provide me with a copy of this insurance policy and they have failed to do so as required by the CFPB. RightPath servicing attempted to satisfy this request with a XXXX XXXX policy that they purchased but it is clear that my request is for the XXXX XXXX XXXX master insurance policy, not the insurance document they provided. This was intentional deception by RightPath servicing.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

XXXX auto loan from XXXX XXXX XXXX XXXX XXXX is not reporting/ missing on my Credit Report XXXX XXXX loan from XXXX XXXX XXXX XXXX - XXXX is not reporting /missing on my Credit Report XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX is not reporting/ missing on my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is not reporting /missing on my Credit Report All these account is in good standing and paying as agreed
Consumer complaint received 2024-02-05
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)

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.

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 2023-08-22
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. (KY)

I have been attempting to pay this loan off on full for a couple of months now. I submit payment, and receive notice that the funds will be taken out of my account. The money is not taken out, and the company continues to report incorrect account balances to the credit bureaus. The auto pay feature is turned off as I do not want to make a monthly payment, I would like to pay this off in full. The loan reported delinquent most recently on XX/XX/XXXX, one day after I again submitted payment for the complete balance. Again, there has been no debit from my bank account, and no history of my attempted payments in the app. Payments are not being returned, they are just not hitting my bank account. There is no attempt from the company to accept the full payment that I keep trying to send. 

I have sent emails to the company, as well as calling. The phone number, XXXX does not allow you to speak to a person. I receive notice that someone will respond to my email, but my most recent email, sent on XX/XX/XXXX has still not been responded to. 

Meanwhile, the balance continues to report incorrectly to the credit bureaus, tanking my credit score while I am beginning the home buying process. Since the company will not address, I reached out to the CFPB for assistance, as they are operating seemingly without being regulated. Please assist.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My Credit score dropped A LOT from over XXXX to XXXX! 
Only for 1 enquired. 
Also they used my XXXX XXXX XXXXXXXX Credit Card WHICH NO DUE OR LATE PAYMENT AT ALL to low XXXX report.
Consumer complaint received 2020-07-03
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. (IL)

XXXX XXXX XXXX Account # XXXX {$520.00} XXXX XXXX XXXX XXXX  Account # XXXX {$120.00} XXXX XXXX XXXX Account # XXXX {$470.00} XXXX XXXX XXXX Account # XXXX {$1300.00} The above accounts were opened fraudulently in my name. Please remove them immediately from my credit profile due to identity theft under section 605-B of the FCRA.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Innovis (PA)

Hi Im really taken back from by how they are reporting this XXXX card on my credit report they said the did an investigation but if they are following reporting laws they would see they cant report an account late after its closed. And that what they did I have the proof what do they offer me for further damaging my credit.
Consumer complaint received 2024-02-05
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. (AR)

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I presume than no proof of the alleged debt, nor therefore any such debt in fact therefore exists.
Consumer complaint received 2024-02-05
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. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2024-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (CA)

DIVERSIFIED ADJ SVC reported a false collection on my credit XX/XX/year> This is another company did not send a collection letter allowing me to dispute this alleged debt This company just appeared on my credit report causing to lose the ability to purchase a home for my family and i Violating the fair Collection Act. These monsters appeared when i applied for a mortgage No letters No Phone calls. I never had a XXXX XXXX Account.
Consumer complaint received 2024-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (MO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Hi Im really taken back from by how they are reporting this XXXX card on my credit report they said the did an investigation but if they are following reporting laws they would see they cant report an account late after its closed. And that what they did I have the proof what do they offer me for further damaging my credit.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is hindering me from getting line of credit I requested for my credit freeze to be lifted on XX/XX/2024 for 24 hours when I called this into customer service they stated I would have to do a written request. Meanwhile, this is preventing me from getting a line of credit that I need. why is Trans Union giving me a hard time to lift a credit freeze for 24 hours? when I try to do it online, it gives me a message error
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a 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 2020-08-23
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. (PA)

the following inquiries are a result of identity theft : XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX CREDITOR TYPE Bank XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX Please remove inquiries from my credit report because these are not mine.