davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: PENTAGON FEDERAL CREDIT UNION (MI)

I completed an online form to transfer {$10000.00} to pay a creditor on XX/XX/2022. The balance needed to be paid by XX/XX/XXXX to avoid interest charges. PFCU offered me a 12 month interest free balance transfer. On or about XX/XX/XXXX, I realized that the transfer would not be completed by the first of XXXX so I used other money 's to pay the balance. During the balance transfer process, they asked for the name of the vendor and stated that if the vendor was not listed, I would be able to put them in later in the process. My vendor, XXXX, was not listed. The closest to them alphabetically was a company called XXXX XXXX. I clicked on them thinking that I could correct it later. I was never given an opportunity to change it. I also included my XXXX routing number and account number. They never received any money. When I canceled the transaction on the XXXX, PFCU told me that the check had been sent to XXXX XXXX. I was surprised because I put the account number and routing number on the transfer. There was a transaction ID so I assumed it was just a matter of reversing the transaction or canceling the check. That was three months ago. I've been carrying a XXXX balance that I never received AND they've been reporting me to the credit bureaus for non payment. This was supposed to be an interest free transfer. I've lost about XXXX points on my credit report and I don't think I should be paying for moneys that I never received. PFCU keeps telling me that it takes time to retrieve the money. As far as I'm concerned, it's an issue between PenFed and XXXX XXXX. I should not be carrying a balance or expected to pay back money I never received. Not to mention, taking a credit hit because they can't find where THEY sent money. Please advise!
Consumer complaint received 2022-04-14
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 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 2022-09-27
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-01-21
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. (TN)

I am very tired of all of this. I submitted over 30 days ago that these accounts are inaccurate and a violation. These accounts are defaming my character, harasssing me, violating my rights which all are a violation according to XXXX XXXX XXXX a.b.c.d.
Consumer complaint received 2022-08-20
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: Experian Information Solutions Inc. (GA)

This is my several endeavor 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 an alleged fraud or extortion. 
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 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 2023-04-05
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Recently I checked my credit report and noticed multiple billing errors und

er 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (VA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-08-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$9000.00}
Consumer complaint received 2022-06-15
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. (FL)

In accordance with the Fair Credit Reporting Act the following companies below XXXX & XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number Account Number 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 2021-09-15
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: USCB, Inc. (CA)

XXXX did not get my written permission to furnish any of the unauthorized accounts or inquiries that's in the letters attached to this complaint. Pursuant to 15 USC 1681b2 ... a consumer reporting agency can only report in accordance with the written instructions of the consumer to whom it relates. I consider this to be identity theft and CFPB states that identity theft is when someone uses your name, number, date of birth, or other identifying information without your permission. I did not give any consumer reporting agency Authority to report any of the items listed in my attachment. XXXX continuously fail to properly investigate disputed accounts, collections, and inquiries in accordance with15 USC 1681a e. Furthermore, as proof of the violations of my rights, The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. These are the 12 exceptions ; Need to Know within Agency, Required FOIA Disclosure, Routine Uses, - Bureau of the Census, Statistical Research, National Archives, Law Enforcement Request, Health or Safety of an Individual, Congress, Government Accountability Office, Court Order, Debt Collection Act. None of these would apply to me because none of the lawfully procedures were taken to validate these alleged accounts and inquiries. I ( the consumer ) have never validated any of the item listed in my attachment. The Debt Collection Act states No agency shall disclose any record which is contained in a system of recordsexcept pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless the disclosure would be to a consumer reporting agency in accordance with section 3711 ( e ) of Title 31. 5 U.S.C. 552a ( b ) ( 12 ). It also goes on to say It authorizes agencies to disclose bad-debt information to credit bureaus. 31 U.S.C. 3711 ( e ) ( 9 ) ( F ). Before doing so, however, agencies must complete a series of due process steps designed to validate the debt and to offer the individual an opportunity to repay it. None of the lawfully procedures were taken to validate these alleged accounts and inquiries.
Consumer complaint received 2020-05-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

Rushmore LM is not offering mortgage relief per the CARES ACT. They are still stuck on the general terms before the pandemic, roughly 3 months, balloon payment or payment spreading to get back in their good graces. Otherwise, foreclosure proceedings. 

I have talked and chatted with 4-5 different Rushmore LM representatives and they claim that their management has not given any new guidance. I have filed complaints with the CA Attorney General and the TX Attorney General. 

Rushmore LM needs to stop scamming us. They are not following the law. I would like to have to ability to change my mortgage service company.
Consumer complaint received 2022-10-01
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 Account # XXXX, has violated my rights. XXXX 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXXXXXXXXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX 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 2020-05-03
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: Moiharwin Diverisfied Corporation (NV)

i have been disputing this account to the bureaus on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent a validation letter to the third party collector on XX/XX/XXXX and they are sending me the same letter with a bill with my name on it ( not a signed bill ) at least on 3 different occasions and still not verifying the actual signed contract. I was also a victim of identity theft in XXXX, which i have sent both parties my affidavit. This false accusation that i owe this company is holding me back from my business endeavors and while this pandemic is still climbing I would like this error to be fixed.
Consumer complaint received 2022-08-15
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. (NY)

up in accordance with the Fair Credit Reporting act 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 Creditor Name : XXXX Account number : XXXX Creditor Name : XXXX  XXXX Account # : XXXX Creditor Name : XXXX XXXX XXXX  XXXX Account # XXXX
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (TX)

See attached disputes that was mailed out to Lexis Nexis on XX/XX/2021 and on XX/XX/2021. Please review and respond to my attached disputes immediately. 

Thank You,
Consumer complaint received 2020-05-02
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. (NJ)

On XX/XX/2020 submitted a dispute letter to Equifax stating and labeling specific inaccuracies with a Negative Account name XXXX  # XXXX I ask for a specific investigation into elements of this inaccurate reporting. I then also ask for documentation from the investigation as well as the Method Of Verification for this investigation. I got neither a Method of Verification documents nor did I get a investigation based off of my dispute.. Equifax replied to the the dispute by saying the account was verified as account verified as belonging to me, when this was not the premise or reason for my dispute as stated in the original dispute letter which I uploaded to this complaint along with the supporting documentation proving and showing inaccuracies for the negative account XXXX  # XXXX. Now to get to the nature of my dispute for XXXX # XXXX - XXXX. Reporting 3 different Date of 1st delinquency 3 Bureaus 2. Reporting 3 Date of last payments. 4. Date of last payment is not the same across the 3 Credit Bureaus. 
By looking at the documentation I submitted these is just some of the multitude of errors that I disputed specifically and never was investigated in too. All I got was Results saying ACCOUNT BELONGS TO ME, WHICH WAS NOT MY DISPUTE. A FURNISHER CAN NOT FURNISH XXXX DIFFERENT VERSION OF SUPPOSEDLY THE SAME ACCOUNT TO 3 BUREAUS saying 3 different things.it 's obvious the Equifax did not do a complete and thorough investigation, and did not rely on any of the proof that I submitted to them. 
bankruptcy is not the issue with this account nor is who it belongs too. The issue is no one from JPMCB was contacted for the dispute and no evidence was submitted there is 3 different reporting on these issues of my dispute I have proven that so deletion is the only outcome which was the the determination Transunion came too
Consumer complaint received 2022-08-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$9000.00}
Consumer complaint received 2020-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

I emailed XXXX to ask if the email was legitimate. No money was taken by the email stated I was approved for PPP and that I needed to provide banking information for deposit. This contradicts other emails I got stating, I would receive a document from XXXX to sign in order to get the check.
Consumer complaint received 2020-05-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (CO)

On XX/XX/XXXX of XXXX I paid off my XXXX XXXX   XXXX that was financed through Ally Bank. About 2 weeks later we received the title for the vehicle and was advised that we paid more than was was owed. The payment was made to Ally from an escrow account as part of the closing of our home. The payment was made over the phone to Ally bank and my account showed a XXXX balance. We were then advised the the title company had cut a check for more than the amount due and in 7-10 business days we would receive a check for the difference. The title for the vehicle was signed and dated by Ally Bank on XX/XX/XXXX. We called Ally at the end of XXXX to inquire about the check that was owed to us and they told us again that it would be in the mail and we should receive it in 7-10 business day. This same call took place again in XXXX and we never received the check. On XX/XX/XXXX we received a letter from Ally stating that we are past due and have an outstanding balance for almost {$3000.00}. When we called Ally they informed us that the payment for the vehicle was processed incorrectly and that an ACH deposit could not be made from a business account. They didnt process the check ( 90 day check ) until XX/XX/XXXX, three months after releasing the title and showing our account paid in full. Now they want us to pay all the fines and fees for the last four months and they either hang up or never respond to any calls are questions we submit. Our title company is reissuing they original check but Ally wants us to pay for the last few months that this has been outstanding. We need help!!!
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I need the credit freeze to be removed from my file ASAP. I am about to buy a HOME and the bank can not access my credit profile. I have attached my ID and SS card to this complaint and address information. Please remove any and all blocks/freeze from my credit thank you
Consumer complaint received 2022-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Those hard inquiries in my Transunion report which I did not recognize, and they should remove out of my credit report. 
List of hard inquiries I want to delete : XXXX XXXX XXXX XXXX XXXX Bank ) on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) on XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XXXX XX/XX/XXXX XXXX XXXX ( Bank ) on XX/XX/XXXXXX/XX/XXXX