davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
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. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX bank Account # XXXX, XXXX account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2024-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (MI)

your company is currently reporting to two credit bureaus I did not grant you authorization to review my credit report. The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. 15USC 1681b If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain the necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Consumer complaint received 2022-06-27
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. (LA)

XXXX  XXXX balance of {$1400.00} I have tried to clear this balance and have it removed from my report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The original creditor is XXXX XXXX XXXX. I paid a balance of {$820.00} in XXXX of XXXX. Also XXXX of XXXX, I moved back into the apartments and has to pay a deposit of {$630.00} to pay off balance and move back into the apartment complex. I have submitted this and tried to work with XXXX XXXX  several times where they kept giving myself and account manager the run around. They eventually told me since they weren't able to get a response from XXXX management, the management company of XXXX XXXX apartments, that I would have to dispute with the credit bureaus or pay the balance again. I have submitted the documentation to the bureaus several times. However, they only investigate and verify debt the collection agency and have not reviewed my documentation and refuse to remove the collections from my report. I have uploaded a copy of my bank statement, my receipt, an email where the apartment complex actually gave me a refund, and copy of my new lease showing as a current resident/tenant of the apartment complex again.
Consumer complaint received 2022-06-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP (AL)

I received a Covid-19 Forbearance for my mortgage for the year of XXXX. Upon the end of our forbearance ( XXXX XXXX ) we started making on-time payments on our mortgage beginning XXXX XXXX. When we called to cancel our forbearance we told the " Loss Mitigation Department '' that we wanted to do the loan modification with partial claim. At the time we were under the impression that according to the " Cares Act '' this would not affect our credit as well as an employee in the the Loss mitigation department told us it would not. Upon receiving the documents in XXXX of this year we noticed in the documents that it stated it WOULD affect our credit so we decided it would be best not to do the loan modification and only do the partial claim option. I called the loss mitigation department to convey this back in XXXX and they told me they would have to redo the paperwork and would send me documents in the mail. Fast forward to today -- - I still have not received any documents from the bank for the single claim option, I have called every week since XXXX only to get the same answer that " its been escalated and we should receive our documents soon '' They even told me once that they were mailed but we never got them if that is even true. By law our bank statement should reflect the payments we have made since XXXX of this year, which it does not. It shows that we are behind, and shows all the months this year that we have not paid when in fact we have paid AHEAD of time every month and I have bank statements to prove it as well. It should not take almost 5 months to send someone some paper work. We have been in limbo with our mortgage and enough is enough. I am tired of getting the run around by this bank, their employees, and the shady practices they are implementing. It is absolutely pointless to even call them, b/c we get the same answer and no results. We are at a loss of what to do. I am trying to get a home improvement loan and I can't b/c our bank statement is incorrect and shows that we are delinquent and owe XXXX?? This needs to be corrected ASAP
Consumer complaint received 2022-06-08
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 XXXXXXXX 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 a account without my written instructions
Consumer complaint received 2022-06-27
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. (SC)

On XX/XX/2022, I requested an investigation for some items that did not seem correct on my credit report. I provided specific reasons why the accounts were being challenged along with specific instructions on what should happen to the account in the requested information could not be provided within 30 days according to the FCRA. 

40 days went by and the items still were appearing on my credit report and the method of verification still was not provided. 

On XX/XX/2022, I requested a re-investigation into those same accounts with the same results. Nothing was removed and the method of verification has not been provided. 

It is now, XX/XX/2022, and the accounts in question are still showing on my credit profile and are listed below along with the reason for the investigation. 

This collection account is showing that I owe a balance. Please provide me with the method on how you verified what amount is owed. 
XXXX Account XXXX : XXXX Please provide me with the name of the person/company that is saying I have this collection. 
Account XXXX : XXXX This collection account is showing that I owe a balance. Please provide me with the method on how you verified what amount is owed. 
XXXX XXXX  Account Number : XXXX This collection account is showing that I owe a balance. Please provide me with the method on how you verified what amount is owed. 
XXXX XXXX XXXX XXXX Account Number : XXXX The account above is showing as a repossession with a balance owed. Please provide me your method of how you verified that amount that is still owed. 
XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-06-27
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)

On XX/XX/2022, I requested an investigation for some items that did not seem correct on my credit report. I provided specific reasons why the accounts were being challenged along with specific instructions on what should happen to the account in the requested information could not be provided within 30 days according to the FCRA. 

40 days went by and the items still were appearing on my credit report and the method of verification still was not provided. 

On XX/XX/2022, I requested a re-investigation into those same accounts with the same results. Nothing was removed and the method of verification has not been provided. 

It is now, XX/XX/2022, and the accounts in question are still showing on my credit profile and are listed below along with the reason for the investigation. 

This collection account is showing that I owe a balance. Please provide me with the method on how you verified what amount is owed. 
XXXX Account XXXX : XXXX Please provide me with the name of the person/company that is saying I have this collection. 
Account XXXX : XXXX This collection account is showing that I owe a balance. Please provide me with the method on how you verified what amount is owed. 
XXXX  XXXX  Account Number : XXXX This collection account is showing that I owe a balance. Please provide me with the method on how you verified what amount is owed. 
XXXX XXXX XXXX XXXX Account Number : XXXX The account above is showing as a repossession with a balance owed. Please provide me your method of how you verified that amount that is still owed. 
XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (PA)

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected or deleted. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXBalance : {$14000.00}
Consumer complaint received 2022-06-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

A Bank of America credit card was unknowing to me opened in my name on XX/XX/2022 .I called Bank of America and they claimed they would put a lock on the card
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

on XX/XX/2022, and XXXX XXXX, I have sent XXXX XXXX, XXXX and Experian, an certified letters informing them that my credit report shows ( 11 ) different names, Social Security numbers and different address in various states that I have never lived in. 

I have lived at XXXX XXXX XXXX XXXX, XXXX, VA XXXX for over 15 years. 
my current credit reports that I pulled, shows XXXX XXXX address, etc. 

There is also over eleven ( 11 ) social security numbers on my report. 

a list of names that are not mine ( e.g., XXXX, XXXX, XXXX, ) I have provided a copy of my recent bank statement, a " Extra Large '' Copy of my Virginia Drivers license with my Social Security card so that you can hopefully, assist me with this nightmare. 

I have not received a resolve from any of the three credit bureaus. I have checked my credit reports again, and the mis-information is still on my report. 

According to the Fair Credit Reporting Act ( FCRA ) The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Please assist me with resolving this matter. 

I look forward to hearing back from you soon.
Consumer complaint received 2022-06-08
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. (PA)

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX balance {$1000.00}, XXXX XXXX XXXX Account # XXXX balance {$950.00}, XXXX XXXX Account # XXXX, XXXXXXXX XXXXXXXX Account # XXXX balance {$1700.00} 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 2022-09-08
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. (CO)

On XXXX I sent XXXX XXXX XXXX XXXX and Experian each a letter challenging multiple inquiries all on the same date of XX/XX/2022, that I DID NOT authorize. None of the bureaus were unable to provide a signed document proving I requested credit from any of these companies. These need to be removed immediately from my report, they were not initiated by me. 

I've included the original letters that were sent to the bureaus, as well as the list of the inquiries from my credit report that are fraudulent.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

on XX/XX/2022, and XXXX XXXX, I have sent Trans Union, XXXX and XXXX, an certified letters informing them that my credit report shows ( 11 ) different names, Social Security numbers and different address in various states that I have never lived in. 

I have lived at XXXX XXXX XXXX XXXX, XXXX, VA XXXX for over 15 years. 
my current credit reports that I pulled, shows XXXX XXXX address, etc. 

There is also over eleven ( 11 ) social security numbers on my report. 

a list of names that are not mine ( e.g., XXXX, XXXX, XXXX, ) I have provided a copy of my recent bank statement, a " Extra Large '' Copy of my Virginia Drivers license with my Social Security card so that you can hopefully, assist me with this nightmare. 

I have not received a resolve from any of the three credit bureaus. I have checked my credit reports again, and the mis-information is still on my report. 

According to the Fair Credit Reporting Act ( FCRA ) The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Please assist me with resolving this matter. 

I look forward to hearing back from you soon.
Consumer complaint received 2022-06-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westcreek Financial (FL)

I have had a lease set up with koalifi. At the beginning of the lease I was not allowed to make payments I contacted the company and the timer had not started yet. Then I was allowed to make payments. I continued making the payments until I got the number low enough to some thing I could pay off in one lump sum. I contacted the company to pay off the loan. After I was hung up on a few times I finally got through to somebody and they informed me that I had missed the deadline. I was never formally given the deadline. I have paid {$2300.00} of a {$2700.00} loan. Im ready to pay the remaining XXXX but instead they want XXXX and thats criminal for being five days late
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

on XX/XX/2022, and XXXX XXXX, I have sent XXXX XXXX, Equifax and XXXX, an certified letters informing them that my credit report shows ( 11 ) different names, Social Security numbers and different address in various states that I have never lived in. 

I have lived at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX for over 15 years. 
my current credit reports that I pulled, shows XXXX XXXX  address, etc. 

There is also over eleven ( 11 ) social security numbers on my report. 

a list of names that are not mine ( e.g., XXXX, XXXX, XXXX, ) I have provided a copy of my recent bank statement, a " Extra Large '' Copy of my XXXX Drivers license with my Social Security card so that you can hopefully, assist me with this nightmare. 

I have not received a resolve from any of the three credit bureaus. I have checked my credit reports again, and the mis-information is still on my report. 

According to the Fair Credit Reporting Act ( FCRA ) The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Please assist me with resolving this matter. 

I look forward to hearing back from you soon.
Consumer complaint received 2022-06-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On XX/XX/2022 I've sent a letter to Portfolio Recovery Associates LLC to Cease and Desist from contacting me by any means, remove my name from their database and consumer reporting agencies, and that i refuse to pay the alleged debt with respects to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 
Portfolio Recovery Associates LLC and their agents sent repeatedly letters dated XX/XX/2022, and XX/XX/2022 of improper investigations, unnecessary requests for verification, and unlawful termination into investigation. 
On XX/XX/2022 I sent another Cease and Desist to Portfolio Recovery Associates to XXXX of their agents. 
Agent from Portfolio Recovery Associates LLC, sent another letter dated on XX/XX/2022 stating that I allegedly have to pay for an account in collections which is against the the law. 
On XX/XX/2022 I sent an Affidavit of Truth along with another Cease and Desist to thoroughly explain why I refuse to pay, there is no physical contractual agreement between myself the consumer and this debt collection company.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NC)

Hi I currently have a vehicle loan for over a year now and it has never been report to credit bureau of me even having a vehicle loan I am also not able to view my FICO score on XXXX online site I never had access to that either If you could please help me in understanding of whats going on and all the months I have missed of my car loan never reporting .. is it anyway to correct this?
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hi I currently have a vehicle loan for over a year now and it has never been report to credit bureau of me even having a vehicle loan I am also not able to view my FICO score on XXXX online site I never had access to that either If you could please help me in understanding of whats going on and all the months I have missed of my car loan never reporting .. is it anyway to correct this?
Consumer complaint received 2022-06-27
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: Experian Information Solutions Inc. (NJ)

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 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.
Consumer complaint received 2023-08-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Newport Intermediate Inc. ()

I made a transfer of XXXX dollars last month ( XX/XX/2023, more than 25 days ago, and I didnt receive any amount on my account, also my bank in XXXX did not identify any transactions or deposits, at the receipt from North Lane theres an information that amount would be available 7 days after, maximum XXXX already made a lot of calls to North Lane to identify the problem and they said that the money would return to my balance, but unfortunately didnt happen, and now they are not even answering my emails.
Consumer complaint received 2022-06-27
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. (NJ)

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 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.
Consumer complaint received 2022-09-08
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. (IL)

I have two Accounts on my credit report that is Not mines. 

Account # XXXX Auto Loan is not my debt I called the Dealership informing them that I am not responsible for this debt. And to furnish me a letter bearing my signature that I open this account and XXXX could not verify. I had no job in XXXX when this account was open. No credit. No bank account. No co signer documented for this loan. So there is no way I received a car loan for $ XXXX. 

Account # XXXX Debt Buyer is not my Debt Open in XX/XX/XXXX- I have proof that I was XXXX the entire year of XXXX. 

Requesting to get these false inaccurate information Removed from my credit report. & I would also like to Update my address and name. Because there are addresses on my credit report that I have not lived at.