davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (AR)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior request, and I'm including it again. 
XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX XXXX XXXX : {$3400.00}
Consumer complaint received 2021-05-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2023-01-12
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. (WI)

As I'm going back on my credit report I noticed usual use of my credit report. Someone has used my credit for information that does not tan towards me. Some of the information with accounts reporting on my has be used that was not authorized by me. 


These accounts have been included on my FTC Fraud Affidavit XX/XX/XXXXXXXX presented by my local police department XX/XX/XXXXXXXXXX/XX/XXXX DEPT OF XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (ID)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 XXXX  XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-12
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. (GA)

In accordance with the Fair credit Reporting Act the list of accounts below has been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX account # XXXX has violated my rights 15 USC 1681 section 602A, States I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC ( a ) ( I ) 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 2023-01-12
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. (OK)

The XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX added a collection amount of {$2000.00} onto my credit report XX/XX/2022 via collection agency XXXX XXXX XXXXXXXX XXXX 

This is incorrect. XXXX XXXX XXXX  XXXX paid and approved rent assistance of {$4300.00}. 

I should not be charged any amount. I emailed the XXXX XXXXXXXX at the time of payment and she knew I was approved for rental assistance. 

This is fraud. 

XXXX XXXXXXXX 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
Consumer complaint received 2023-01-04
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)

On XX/XX/2022, I mailed a second request to TransUnion informing them that I recently had been informed that there were several inquiries that I did not authorize, in the file that XXXX maintains under my social security number. Upon reviewing my most recent credit report, I see that the inquiries are still listed. According to the FCRA 623 ( a ) ( 5 ), if the credit bureau can not VALIDATE the information, they must remove said information from the consumer 's credit file. TransUnion notified me that they verified the information, but refuses to show me documentation proving how they verified the information, and now refusing to remove the inquiries from my file.
Consumer complaint received 2021-05-19
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. (MI)

On XX/XX/2021 there was an inquiry that appeared on my TransUnion credit report that I did not initiate. The company name on the report was XXXX XXXX. I contacted the Company directly and they confirmed that someone had fraudulently used my name, address and SS number to electronically open an account. I was instructed to file a claim with the FTC ( Report Number : XXXX ) and to send copy of my ID for them to begin an investigation.
Consumer complaint received 2021-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

XXXX account listed under XXXX XXXX XXXX Account # XXXX Balance : {$140.00} This account does not belong to me. 
I have disputed this account several times with Experian Credit Agency, an they have yet to respond to my disputes.
Consumer complaint received 2021-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Todd, Bremer & Lawson, Inc. (VA)

Today, I was reviewing my bank statement and discovered a draft by Todd, Bremer & Lawson ,  Inc for {$900.00}, dated XX/XX/2021, which I was never billed for and NEVER AUTHORIZED. 

I called the number listed on my bank statement for your company XXXX ; and after I explained the situation to a Customer Service Rep, she hung up the phone. 

I called my bank who holds the Debit Card which you used to steal the money from me and started a fraud claim. 

Todd, Bremer & Lawson , Inc accesses my bank account and without my permission, authorization neither verbal or written STOLE {$900.00}
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SSN : XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I have sent many prior requests to the credit bureaus to reinvestigate several inquiries that were not authorized by me.Are n't they required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by the credit bureaus- XXXX, XXXX and Equifax. 

I will once again list the inquiries in need of investigation AND PROOF THAT THEY BELONG TO ME : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


SHOW ME PROOF THAT THESEINQUIRYS WAS AUTHORIZED BY ME OR REMOVE THEMFROM MY CONSUMER REPORTS. I DID NOT AUTHORIZE THEM. - SECTION 609 STATES THAT YOU NEED TO PROVIDE THE APPLICATION THT WAS FILLED OUT FOR THE AUTHORIZATION APPROVAL. I DID NOT AUTHORIZETHESE INQUIRIES.DELETE THEMFROM MY CREDIT REPORT. 


I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they don't even know who I am? 

Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this COMPLAINT. 


Cordially, XXXX XXXX
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

In XXXX my home was damaged in hurricane Florence. I fought with the insurance company for two and a half years. My roof was unstable and severely damaged. Hurricane Dorian was headed to Florida and I feared my roof would not make it. I then paid out of pocket over {$25000.00} to get a new roof before another hurricane came. By doing this I fell behind on my mortgage. When the pandemic hit in XXXX of XXXX, my income was disturbed due to a closure at the spring training facility at which I am employed. I contacted my mortgage company XX/XX/XXXX and explained that I needed my insurance check to reimburse me and that money would make it possible for me to pay them. Although I mentioned COVID effecting my income, no assistance was offered. I was not given my insurance check and was unable to pay. Again in XXXX, XXXX I contacted my lender and requested they release the insurance check. I again explained that I needed to be reimbursed to reinstate the loan. Again, I explained that COVID had disrupted my income. Again, I was not given the insurance check and was not offered any COVID assistance. I was told that I would have to apply for a modification. I did. The modification review was open from XX/XX/XXXX - XX/XX/XXXX. I was denied and no assistance is available to me. SPS also filed for foreclosure. I was negatively effected by a hurricane and a global pandemic and my lender has withheld information regarding possible assistance.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, I recieved an email offer ( as shown in the attachment ) which offers me {$400.00} after required activities. On XX/XX/XXXX, I went to a Regions bank branch opening a new checking account. During application I showed branch rep the email offer I had. I completed {$1000.00} deposit within 30 days. On XX/XX/XXXX, I haven't received the bonus so contacted the Regions customer service and ticket # XXXX was created to research on the issue. They promised to give a resolution within 5 business days. On XX/XX/XXXX, the XXXX timeline has passed but I haven't received any reponses.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (TX)

complaint about an unsolicited credit card in my name this card is from the bank Comenity Capital Bank / XXXX XXXX  was requested on XX/XX/XXXX and the card arrived XX/XX/XXXX to my address the amount of the credit is $ XXXXCall the company to report the fraud with the account protection department they canceled the account and reported the fraud They also checked if there was another account under my name but they did not find anything, according to them they had not used the credit line yet, the person who served me suggested this FTC site to report fraud on my credit.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I opened my XXXX credit card account in XX/XX/XXXX. I have been using it infrequently ( 1-3 times per year ) and almost exclusively to shop at XXXX. Since I opened my account, it has been set on autopay, for the full balance to be paid on the due date. Hence, I never have had any late payments since I opened the account XXXX. 
In XX/XX/XXXX, the account was transferred from XXXX XXXX to CapitalOne. 
In XX/XX/XXXX, I made an online purchase of {$89.00}. I have made no other purchases with the card since. 
I received a statement in XXXX, reflecting the charge. However, since my account was set to autopayment, I did not balance it manually. 
I did not hear back since. 
In XX/XX/XXXX, I was made aware by my credit monitoring firm that my account had been reported as late to two major credit bureaus. Also, due to multiple late fees applied, plus interest, the balance had ballooned from {$89.00} to {$200.00}.

I called the new servicer, CapitalOne.

It turns out that when CapitalOne 'bought ' the CC account, they failed to transfer my account settings. Hence, the autopay had been cancelled without my notice. While I had received some generic mailings about the transfer of providers, I was not specifically made aware of their failure to transfer my account settings correctly, especially not the fact that they arbitrarily cancelled the autopay I had set up for the account when I opened it. Since my bank account had not changed, I did not have any reason to suspect that the new servicer would single-handedly change my account settings. 
Unfortunately, a lengthy call into CapitalOne did not result in any accommodation on their part. I had requested that the late fees be waived and the damaging reports to credit bureaus rescinded. Both were declined by CapitalOne.
Consumer complaint received 2021-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

Citibank close my account XX/XX/2021. I went to citibank after that and they told me they are mailing my balance in check which should be received in 7-10 business days. After 10days I went back to citibank and they told me, it'll take one month. After 1month or almost 3months now I went back to citibank again and they told me they can not release the funds because it's too big. The amount is XXXX. My checking account is been close since XXXX and they can't release me my check and nobody seems to know what's going on. I tried to call the fraud department but they tell me to go to branch and I've been doing same thing over and over. I also need to change of address to my new house XXXX XXXX XXXX XXXX XXXX ca XXXX but they not letting me because they Said the account is close.
Consumer complaint received 2021-05-19
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. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2021-05-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (WV)

Basically according to the XXXX app ( paid version ) I have FICOs of XXXX XXXX XXXX According to these lending companies my fico is a XXXX Give it to consumers straight. If Im paying XXXX a month for a service dont give me false hope for being able to get a USDA mortgage Also, medical bills that were off my credit are now being reopened and added back as current debt owed. Bill from 2012 for XXXX for example Also credit card agencies are quick to report debt but extremely slow in reporting payments When you do pay off collections it takes months for them to remove but seconds to put it on your credit Credit repair agencies tell you to get credit cards and keep balances low. Even with low balances it drops your credit significantly Also with a mortgage I was told 45 days of shopping around without it affecting credit score. Im getting hit with hard inquiries left and right Please give me guidance
Consumer complaint received 2020-08-06
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. (SC)

Im a victim of XXXX  multi-state sub prime. Need all info removed And deleted from credit report effective immediately. Contacted attorney general about this situation as well. Plus its showing on my credit report 2 times for unknown reason.
Consumer complaint received 2021-05-19
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. (GA)

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.
Consumer complaint received 2021-05-19
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)

Im requesting validation of debt with proof of a contract bearing my signature. As of now, you have failed to do so. To report this account is illegal when disputed. 

XXXX XXXX XXXX- XXXX-Please provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
XXXX XXXX XXXX-Please provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
XXXX  XXXX XXXXPlease provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
XXXX XXXX XXXX-Please provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 

Or have these items DELETED FROM MY CREDIT REPORT WITHIN 15 DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1992
Consumer complaint received 2021-05-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (TN)

The call was on XX/XX/21. The call ended at approximately XXXX EDT. The call was made to BBVA customer service at XXXX. I was trying to get my account setup as it was transferred over from Simple ( their subsidiary ) to the parent BBVA. The customer service representative was not helpful and she asked for my password to the account which constitutes fraud. I did not give her my password but she does have all of my other information. Once I asked to speak to her supervisor she became even more hostile and hung up on me. No issues were resolved. Now I do not feel that my personal information is secure and with to close all the accounts and have all my personal information removed from BBVA.