davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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. (FL)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 

XXXX XXXX XXXX XXXX Opened : XXXXXXXX XXXX XXXX Amount : {$27000.00} XXXX XXXX XXXX XXXX Opened : XXXXXXXX XXXX XXXX Amount : {$54000.00}
Consumer complaint received 2019-09-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

This company called one day out of the blue, asking about an old utility bill for the city of XXXX XXXX. I had not lived in XXXX XXXX for 18 months and had no knowledge of this debt. I told the women that account was closed in good standing years ago with a deposit refunded and everything. The lady and I kept going back and forth and I kept saying it couldn't be my debt, could you send me paperwork so I could review the dates because havent lived there! She asked if I ever lived at the address in dispute. I answered yes. She immediately hung up and it was placed on my credit report. I never saw proof of debt or even a bill. This company broke the rules by not providing any paperwork with said debt and immediately attached it to my credit report even after I said it couldn't be my debt because I havent lived there since 2017.
Consumer complaint received 2022-06-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

my debit card was compromised and there were fraudulant charges made so i immediately called bank of america in which they canceled out the card and sent me a new one well they ended up not disputing those charges in which my email address was aldso compromised and i stated that to the bank of america represenative and i had to make a whole new email account in which he also took notes of that. The total amount came to {$200.00} after they denied my claim they sent me an email and a letter saying that they were some updates on my account and servicing options and that i could have my claim reopened so they sent me the letter twice so i decided to re open the claim and only for them to deny it which was XX/XX/XXXX i disputed these charges 3 months or 4 months ago they sent me letters 2 seaparate times and which i called in and the last represenative i spoke with i asked if there was documentation that i needed to show because i had documents to prove they were fraudulant charges and she told me no that wasnt necesssary and it didnt show in the notes that, they were needed.
Consumer complaint received 2022-11-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Management Services, Inc. (CA)

I received a letter in the mail from ACCOUNT MANAGEMENT SERVICES, Inc. XX/XX/2022. I contacted the company via their web site XXXX XXXX XXXX and requested that the company validate this debt on XX/XX/2022. ACCOUNT MANAGEMENT SERVICES, Inc. never responded to my request to validate the debt. In XXXX of this year, I checked my credit report and seen that ACCOUNT MANAGEMENT SERVICES, Inc. is reporting negative account information on my credit report as of XX/XX/2022. ACCOUNT MANAGEMENT SERVICES , Inc. has done a great deal of damage to my credit and have violated all of my consumer rights under the Fair Debt Collection Practices Act 15 U.S.C 1681. I have provided the details I submitted on ACCOUNT MANAGEMENT SERVICES, Inc's., website along with a screenshot of that submission from XX/XX/2022.
Consumer complaint received 2022-07-20
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. (OH)

These following hard inquires show on report and are not mine. I called In twice on this issue and they still show on report. 
XXXX. XXXX XXXX XX/XX/22 XXXX. XXXXXXXX XXXX XXXXXXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXXXXXX XXXX  XXXX XX/XX/22 XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/22 All above should be removed
Consumer complaint received 2022-06-12
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. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX, has violated my rights in the following ways.

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 an account without my written instructions.
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: HYUNDAI CAPITAL AMERICA (IL)

XXXX XXXX  Hey I am authorizing a complaint on my behalf I cant believe you guys are taking advantage of me I am very upset the credit bureaus have not responded to me about my investigation I sent a letter/dispute I need these accounts deleted & updated these are the items I demand to be deleted. 

I demand these accounts be deleted immediately from my credit profile if not I will file for monetary damages because you are in violation of my rights of privacy. US code 15 USC 1681n. Unauthorized inquiries
Consumer complaint received 2022-06-12
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. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT, I DEMAND THAT ALL OF THE ITEMS LISTED BE REMOVED TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THESE ITEMS IMMEDIATELY.
Consumer complaint received 2022-06-12
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # 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 an account without my written instructions.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

I put a freeze on my credit report in XX/XX/2017. I have tried several times to remove it. I get the run around. Yesterday I tried again. I did the automated questions and again at the end they came up and said to call a number. I called the number and the same guy seems to answer and every time he makes me do the questions again and then says I have to send in my drivers license and social security card by fax. My husband and I are trying to get a VA home refinance and have to have this opened. It is EQUIFAX in Georgia. My other 2 credit reporting agencys are unfrozen. It seems like they have something on my account and it jerks me around everytime I try to do this. Its been at least 4 times I have tried to remover it.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act The companies in the attached document have violated my rights. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Consumer complaint received 2022-07-18
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2023-07-18
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. (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.

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 2022-06-12
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Accounts ; # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, & # XXXX have violated my rights. 

In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. 

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 an account without my written instructions 15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
Consumer complaint received 2022-06-12
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. (NJ)

In accordance with the Fair Credit Reporting Accounts ; # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, & # XXXX have violated my rights. 

In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. 

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 an account without my written instructions 15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
Consumer complaint received 2023-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Siwell Inc (OK)

Closed on a home on XX/XX/. Loan servicing was transferred to Capital Mortgage Services of Texas. First payment was dueXX/XX/2023. Made the payment XX/XX/2023. XX/XX/2023, I received a letter from XXXX XXXX ( New servicer ) that they had acquired my loan on XX/XX/2023. Law states that Capital Mortgage has 60 days from transfer of servicing to forward my payment to XXXX XXXX. 
On XX/XX/, I made my second mortgage payment ( first to XXXX XXXX ) for my XXXX payment. I have called Capital Mortgage of Texas 4 times now and have been told they are transferring the payment to XXXX XXXX. Each time I was told they would be emailing me proof of transfer. I have not received anything from them regarding this issue. We are now past 60 days and XXXX XXXX has stated they have not received the payment from Capital mortgage of Texas. I can not get an answer from Capital mortgage as to where my money is at. XXXX XXXX is filing a missing money case in regards to this but I can not get any correspondence from capital mortgage about when or if the money was transferred.
Consumer complaint received 2022-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been a Capital One XXXX customer since XXXX and during that time, I have enjoyed my experience greatly. 

However, during the beginning of the XXXX pandemic in early XXXX, shutdowns and quarantines forced people to make hard decisions about financial obligations. I had had perfect payment history until XXXX and XXXX when I missed a payment ( one payment missed two months in a row, so " 60 days '' ) on my Capital One XXXX XXXX, as I was out of work due to an increasingly serious pandemic and had to choose between food/XXXX/credit obligations. 

Since that time, I have resumed my exceptional payment history without a single missed payment. Additionally, the credit cards acquired since that time have received perfect payment histories as well. 

I have contacted Capital One and requested that they apply a goodwill adjustment to remove the late payment ( s ) but was told that they can not remove late payments, even though lenders ( including Capital One ) were actively working with consumers during the pandemic to forgive late payments and delay the reporting of delinquencies. In general, Capital One does not have a policy against goodwill adjustments. Certainly, given the timing of these missed payments ( early XXXX, XXXX shutdown ), a goodwill adjustment is not unreasonable.
Consumer complaint received 2022-06-12
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: OneMain Finance Corporation (OH)

Source : XXXX XXXX : ONEMAIN Address : app. XXXX XXXX, XXXX, IN XXXX Phone : XXXX This company came up as an Hard Inquiry on my credit report on XX/XX/22 on XXXX XXXX  XXXX XXXX I didnt apply for any credit. I have fraud protection so I dont understand how someone could us my name to open up new creator. Usually the company calls me before proceeding.Can you please help me with this matter.
Consumer complaint received 2019-09-27
Product: Credit reporting, credit repair services, 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. (VA)

Credit reports are showing blank when lenders attempt an inquiry. 

I am a military veteran returning home after my final tour overseas. Despite having fair credit, no debt and outstanding debt-to-income ratios, applications have been rejected for VA home loan pre-approval because lenders only see a blank credit report ( XX/XX/2019, XX/XX/2019 and XXXX XX/XX/2019 ). I can only assume that there is a " lock '' or " freeze '' on my accounts ( which I have NEVER requested ), as numerous attempts to contact XXXX, XXXX and Trans-Union via their on-line and telephone contacts have only resulted in requests to physically mail copies of my personally-identifiable information. 

On or about XX/XX/2019, I mailed copies of the requested identifiers to these three companies along with a hand-written note requesting the REMOVAL of any and all credit locks, freezes, fraud-alerts or holds that may be affecting these lenders ability to view my lengthy credit history, which resulted in two post-card responses from XXXX   and Trans-Union requesting that I physically mail certain identifiers to communicate with them. Now, my credit report shows the " requested '' fraud-alert and security freeze that I NEVER requested from XXXX and XXXX ( Trans-Union 's note area show no remarks ).

This entire charade is made even more difficult because as an over-seas returnee, all of my household goods ( printed records ) are boxed up and awaiting a residence to be delivered to, and my DoD-mandated overseas banking institution has deleted my account as required ( digital records ), so I can not easily prove any payment history to anyone. I am now homeless with my wife and XXXX XXXX children, despite having a military retirement pension and a good paying job. Thankfully, my elderly father has allowed us to stay with him. 

Please assist in " penetrating the bureaucracy '' with these megalith corporations which make contact a federal affair. 

Thank you, XXXX  XXXX XXXX, XXXX ( XXXX. )
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX. 
# XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-12
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: Experian Information Solutions Inc. (NV)

In accordance with Fair Credit Reporting Act. The list of account below has violated my federally protected consumer rights to " Accuracy and Fairness of Credit reporting '' under 15 U.S. Code 1681 ( a ), ( 1 ), ( 4 ), and Compliance and Procedures under 15 U.S. Code 1681e ( b ). 

XXXX XXXX XXXX XXXX Account # Has violated my rights XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Has violated my rights Accounts # XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX Has violated my rights 1. No Account # was posted
Consumer complaint received 2022-01-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

about 1 week ago I got 2 letters from Bank Of America stating they were lowering available credit limit because of some past due amount. I don't use the card but checked into it.. it turns out some scam company ( XXXX XXXX Service out of California ) charged {$16.00} for what looks like a credit bureau report XXXX Bank Of America chose to wait 1 year ( XX/XX/2021 ) of compounded late fee 's until the amount surpassed {$500.00} before notifying me... They made sure to state that my XXXX score was XXXX and that it would be a shame to have a delinquent mark on my credit history that would lower it.
Consumer complaint received 2023-03-07
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. (PA)

On XX/XX/23, I sent a letter regarding inaccurate and unknown inquiries on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage f and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Consultants, Inc. (NC)

I have a few accounts that show on my report when its been over 7 years and should be off by now but they will not take off. And an account opened that is not mine or never agreed to and they will not remove. This has been over many days and dates to include
Consumer complaint received 2023-11-20
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: EQUIFAX, INC. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX