davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
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)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXXBalance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$320.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$790.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance Owed : XXXX ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : XXXX ; XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance Owed : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BalanceOwed : {$590.00} ; XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  ) XXXX BalanceOwed : {$1700.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (GA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused 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 2024-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

On or around XX/XX/2024, I was a victim of stolen personal items from my vehicle. During this process with the original account ending in ( XXXX ) we were instructed by the branch banker to close down our account. During that process the banker asked us for information on all outstanding checks and checks that had not yet cleared. Upon reporting all the proper information we were given a new account. ending in XXXX. 

Moving forward, about a month after we closed down the old accounts and we were working to get everything resolved we received notification from our bookkeeper that the bank had paid one of the stolen checks despite closing down that account. Upon receiving this information, we immediately went into our branch and was instructed to open another claim on or around XX/XX/2024. 

It was during this process we were given case number ( XXXX ). It was explained to us during this process that the check number was misconstrued by the banker taking the claim and she categorized the check as authorized and to be paid. Due to this internal bank error our new account ending in ( XXXX ) was deducted without authorization due to a stolen instrument. 

At this present time, we submitted our claim some ( XXXX XXXX XXXX and according to US Bank everything has been received and it's still under investigation. My issue is we were never given a preliminary credit despite being a branch error. At this present time, it is causing extreme Fianacial hardships, and I request at least a provisional credit while we work through the details of the claim that's almost XXXX XXXX old.
Consumer complaint received 2023-02-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC (FL)

Prime lending mortgage. We have made numerous attempts to get our HAF payments applied to our account. HAF states their sent payment XXXX on XX/XX/23 XXXX for XXXX XX/XX/23 XXXX for XXXX We have called daily and been asking for a case status or our payments to be applied. We have had no luck finding out why our payments havent been applied. We are concerned as XXXX XXXX we will owe another payment. Everytime we call we get different answers and have yet to know or find out where are these paymentsXXXX XXXX XXXX from HAF has sent mortgage company check numbers also and has had contact with them she has stayed. Can someone please help us as we are being told our mortgage company is failing To post our payments that HAF states they did recieve. Thank you
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX and XX/XX/XXXX, I did a dispute with Experian regarding the following accounts and inquiries on my credit report. They very quickly " verified '' these accounts and inquiries as accurate. I was never sent a letter or contacted stating the methods of verification. 
Experian is violating 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy by providing negative information on my credit report that is not verifiable. Experian is also violated 15 usc 1681b ( a ) ( 2 ), as they didn't have permissible purpose or my written instruction to put this on my credit report. I'm attaching my license and power bill for identity verification. 

Below are the accounts that I am referring to : 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 XXXXXXXX Below are the inquiries that I am referring to : 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
Consumer complaint received 2022-11-18
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX 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 2020-10-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (CO)

On XX/XX/XXXX I noticed Ad Astra filed something on my credit report. I immediately called them. I spoke to XXXX who said he would send us supporting documentation of this claim via XXXX XXXX as this was not a debt I believed I incurred. I received nothing and called back on the XX/XX/XXXX and was informed by XXXX that no one worked there with XXXX 's name and that we needed to write a letter to dispute it. She continued to state she could send us no proof of debt until we disputed it. We faxed the attached letter on the 6th to dispute this claim. I spoke on XXXX with XXXX to ensure receipt of the letter. She claimed they could do nothing until we filed a police report and would not give any information about the debt which I feel is not mine based on the current facts provided.
Consumer complaint received 2023-02-04
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. (CA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2023-02-04
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, has violated my rights. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2021-03-03
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. (CA)

Experian Issue I received a statement addendum, dated XX/XX/XXXX, again, this year, from XXXX informing me that they were reducing my credit limit by, this time, {$500.00}. XXXX Last year it was {$1000.00} XXXX. 

[ From the XXXX Statement XXXX Your current report reads : SERIOUS DELINQUENCY RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH NUMBER OF ACCOUNTS WITH DELINQUENCY TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED On Nordstroms statement I was invited to contact the agency directly. 

When I called the number given for Experian : XXXX, there was no live person to discuss their blunder. I was referred to XXXX. 
I called XXXX. The young man I talked with said they adhered to the information provided by EXPERIAN, and referred me back to EXPERIAN. He also checked my account and found no problem. 

There seems to be no responsible humans at Experian, only telephone robots available. 
The reality, which they dont seem to care about is that : In early XXXX, I realized that just to live modestly on my income from Social Security, I was over using credit cards and running up balances I could not deal with. 

I submitted most of my cards to XX/XX/XXXXwhich looked to be the most reputable organization in class. Since then, they have settled with XXXX XXXX, XXXX and XXXX XXXX. 

They have yet to settle with XX/XX/XXXXand XX/XX/XXXX. I have no control over these balances. Understand that I have done everything in my power to be responsible. 

I have 2 older cards that remain active : XXXX and XXXX. Please check with them and verify that I commonly pay over the amount due before. the cutoff deadline. I HAVE NOT BEEN DELINQUENT WITH ACCOUNTS FOR WHICH I AM RESPONSIBLE. And I am working to lower my balance. As you know, if one is not wealthy, interest rates are obscene. 

The Experian report doesnt have much relationship to reality. I think the robots are also XXXX. 
I am working to clean up my financial relationships, and wish to re-establish a positive credit score. 

RE : The report : 1. SERIOUS DELINQUENCY. -- -XX None XX 2. RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH. -- -XX Questionable XX 3. NUMBER OF ACCOUNTS WITH DELINQUENCY. -- -XX None XX 4. TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED. -- - XX None XX This report has caused a reduction in my credit line and maintaining a low credit score. 
The Experian report is irresponsible and causing me financial damage. 

And finally, I stumbled upon your websitegiving me hope of restoring my credit and credibility. ( I have no idea what the other two agencies are reporting XXXX Please check my history and demand Experian Adjust my report. 
I need a copy to present to XXXX XXXX or perhaps you can correct.. )
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2021-05-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

Hello, I reviewed A copy of my credit report and it shows the inquiries above are fraudulent and i have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home. 

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  - Equifax XXXX Equifax XXXX - Equifax XXXX - Equifax
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In XX/XX/XXXX, I contacted the three credit bureaus, creditor Capital One, and creditor XXXX , XXXX . to dispute and request removal of negative account information ( 30 day late payment history ) from XX/XX/XXXX through XX/XX/XXXX, for two Capital One accounts and one XXXX account. I received a response stating, " the FCRA requires the accurate reporting of account history and the investigation shows the information on the credit report is correct. '' I was enrolled in a financial debt management program with XXXX  starting XX/XX/XXXX. XXXX and Capital One, along with other creditors, approved of the proposal by XX/XX/XXXX. According to the credit reports, the late payments occurred during the first 90 days of enrollment. I was not allowed to pay the credit card company directly once I was enrolled in the program. My payments were managed by XXXX and I was not in control of the payments nor was I aware that any payments were late. No other creditors who participated in the program with XXXX reported negative information during that time. I paid all outstanding balances and successfully completed the program in XX/XX/XXXX. 

In XX/XX/XXXX, contacted XXXX and they informed me that both Capital One and XXXX approved of the proposal and received on time payments. I participated in a phone conference with XXXX and a Capital One Debt Management representative named XXXX XXXX. I also submitted supporting documentation to the credit bureaus and creditors that shows the date I was enrolled in XXXX. I also pointed out that I had years of on time payments prior to my enrollment in the financial debt management program. 

As a consumer in the program and no longer in direct contact with the creditors, I had no control of nor knowledge that the payments were paid late since they were made by a third party. According to XXXX, the payments were not submitted late but the creditors reported that they were. Furthermore, a review of my account will reflect that I had several years of on time payments prior to enrolling in XXXX. If I would have known there was going to be an issue with payments for the first 90 days, I would have worked out an arrangement between XXXX, XXXX, and Capital One to continue making on time payments and to preserve my positive credit history to avoid having the negative information reported to the credit bureau. 

Based on the circumstances in this case, including my past history of several years of on time payments prior to enrolling in XXXX, and payment of the debts in full, I requested that the 30 day late payment history from XX/XX/XXXX - XX/XX/XXXX, from XXXX and Capital One accounts be removed from the credit bureau reports but my request was denied.
Consumer complaint received 2023-07-12
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. (MA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 XXXX  XXXX XXXX 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 XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: TrueAccord Corp. (LA)

XX/XX/2022 an account with open at XXXX and I discovered on my credit report I dispute it the account several times and they still keep saying its my account I contacted XXXX ask them to send me verification, verifying that this account belongs to me and they have not done that and when I call them my social security number was not even associated with an account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (TX)

You are reporting a charged off account that was already sold to another company which is also reporting on my credit report- this is double jeopardy, and I am demanding that you delete this account immediately XXXX XXXX XXXX XXXXXXXX . XXXX XXXX XXXX purchased this account, and it is already reporting as a collection account. This is negligence and a violation of the FCRA. You are not reflecting my true credit worthiness and if this is not deleted immediately, I will take legal action.
Consumer complaint received 2021-05-04
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. (CA)

There is one account on my Experian account and I have been disputing this account with a police report and FTC for 2 years and nothing has been done about it I need help because this is not my account I dont know how else to say this. 

XXXX  XXXX XXXX - Acct # XXXX Amt {$17000.00}