davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

I have been trying to get a loan from XXXX XXXX XXXX for my small business as it was dissolved during the Covid 19 Pandemic. I do not qualify for a loan anywhere else because I am a sole proprietor, my business is very small and I've only been operating for 3 years which unfortunately means for me that I have no returns to show. However, this was my only source of income so I revised my business plan made a few adjustments placed my business online and am now seeking a loan in order to get the assistance I need to operate successfully in the online space. I was asked by XXXX to provide a credit report as they weren't able to generate on from their system. This is primarily due to the fact that I only have both ITIN and EIN tax ID numbers that I was issued to operate my business here in the U.S and not a social security as I'm currently undocumented. However, I have been a resident here for 10 years, the problem when I contacted Experian was that I'd never borrowed a loan. The representative further explained, that because of this issue there was no information from which he could generate a credit report. When I explained this via email to XXXX, I received a response stating that my request was denied. I have been a customer with XXXX bank for over 3 years and visited them today to see if they could help as this is where I complete all my transactions- both business and personal. The representative gave me the website XXXX and advised me that this is where they refer all their clients who request credit reports as we are required by law here to get a free credit report at least once per year. When I logged in here they also asked for a social security and I was denied when I entered my ITIN number. My issue is not exactly a complaint, it's a matter of confusion. I don't understand how to get a credit report and I really need to rebuild my company so I can generate an income to provide for myself and teenage daughter. Again, I do not qualify for a loan elsewhere and was extremely happy when I saw that the services provided by XXXX includes business like mine. If I could get some assistance from here I would really be grateful. I'm searching ... lost.
Consumer complaint received 2022-04-19
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXXXXXX 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 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 2022-07-11
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: Experian Information Solutions Inc. (MD)

I XXXX XXXX have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX with the account numbers XXXX, XXXX, and XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX EXPERIAN XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( XXXX ) be removed from the following account ( XXXX ) immediately. XXXX  XXXX XXXX, XXXX, XXXX
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (MN)

My name is XXXX XXXX I am the main cardholder of an account with Huntington Bank.

Im writing this hoping I will get the problem resolved because for as long as I can remember I have only been with Huntington as a supported customer, Huntington has exceeded my expectations and fulfilling my banking needs on many occasions which is I have my put my trust into banking with Huntington to be handling my money.

I have disputed a charge that I have authorized at the time for my phone to be repaired due to water damage but I promised to only pay the amount for the technician to fix the phone if the phone work properly and agreed to use XXXX manufacture parts to fix the phone like new not after market products, which was agreed from both ends at the scene, when I came back later the day to pick up the phone i have paid thinking it was fixed since it was working at the time but after I got home it started having problems shutting off every XXXX minutes and the phone gets really hot and I have noticed the technician has dishonored his words and used after market parts to fix the phone which gave the phone battery problems now my phone has not been working properly, have called and asked merchant for a refund but I was refused for a a refund, which I have contacted my bank institutions for a dispute on the charge for not providing the service that was promised
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Hi, to whom it may concern. Portfolio Recovery has caused my credit files and scores to be drastically damaged, reduced, and affected by placing a debt that I do not owe and that is not mine. 

Account # XXXX The Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Company : Portfolio Recovery Associates , LLC XXXX. XXXX po box XXXX XXXX, CA XXXX Account # Same as above. 
Reference Number : XXXX XXXX My Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI. XXXX I have never until XXXX of XXXX had a XXXX XXXX Credit Card Account. I was sent an offer and I applied and received a card. However, I this company keeps trying to place this debt on me, as I have explained to them and XXXX XXXX, that this account isn't mine and I have never owned a XXXX XXXX XXXX untill recently XX/XX/XXXX, because I was sent a pre approval offer from XXXX XXXX to which I was approved. 

Back in XXXX I lost my wallet and it was never returned to me. I have explained to Portfolio Recovery that I may have been a victim of identity theft, and that may be why there's an account with XXXX XXXX. Whoever did this, had all of my personal information from my wallet, from my ID, my Social Security Card, My Birthdate, My Address, and other info like Medical cards and Bank Cards. At the time this happened, I was forced to get all new info cards, and change passwords etc. This company was told this information, although whomever opened this account, they had all of my info, I never had an account with XXXX XXXX. They insist that it's mine with no proof that it's mine other than all of my personal info. I have never signed a single document applying for this card, yet this company has repeatedly reported as a collection to all of the major credit bureaus, destroying my credit and making my scores drop unbelievably low, all while I have been trying to buy a new home. I This has affected me directly because this isn't my account, yet they keep reporting that it is even after disputing this a few times with no removal from Portfolio Recovery. I was told by them, that XXXX XXXX Discharged this debt and Portfolio Recovery bought it on XX/XX/XXXX. First XXXX XXXX kept reporting this account that wasn't mine, then Portfolio Recovery started. This isn't right. It's not my account at all. Why do they keep reporting something that's not mine? 

I need to know WHAT MY RIGHTS ARE under the law, and if they have violated my Civil Rights by maliciously continuing to report this account on my credit to the agencies. I live on a fixed income because I am on XXXX. XXXX due to XXXX XXXX. I'm tired of being a victim of people like this, who only care about making a dollar, or profit, even tho'they know this isn't my account. Please help me bring an end to this nightmare as I am trying to buy a home, through a program that helps buyers with XXXX. Thank You. 

XXXX
Consumer complaint received 2022-08-28
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: TRUIST FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting act Credit and Financial Companies have violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (AL)

I have made multiple attempts to dispute NCB Management Services. I have no knowledge of this account. I have not signed, or provided my social security number for authorization of this to be on my credit report. As per USC 1681 ( c ) ( 2 ), I believe these reports may have been result of identity theft. The information is not information relating to any transaction by me as a consumer.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2023-04-04
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)

Hi im writing regarding an account that is reporting to credit bureaus XXXX and transunion XXXX XXXX Account Number XXXX tried multiple times to resolve the issue with credit bureaus and every time no luck.Account is fraudulent does not belong to me somehow after every dispute creditor responds with information is accurate and does not remove it from my credit report.XXXX XXXX is seriously affecting my rights under Fair Credit Reporting Act it shows that supposably i made payments to this account couple of times then i stopped.I assure i never made a single payment for this account and i want credit bureaus to verify who made the payment how this account is even linked to me and why i want XXXX XXXX to send me every document they gathered during this investigation and how did they come to the conclusion that account is mine? I am an responsible person and i pay all my dues at the time i never missed a single payment on the credit cards that belong to me.IF FTC DOCUMENT DOES NOT OPEN FTC REPORT NUMBER IS XXXX
Consumer complaint received 2022-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My first problem is bank of America. I was late or did not pay correct amount with my recent payment and the bank decreased my credit line down from {$10000.00} to the current balance causing me a problem with paying a repair bill. This is the first time being late or what excuse they want to say. what ever happened to grace periods for payments? 
This happened on Monday XX/XX/22 when I tried to pay for a car repair and was declined. I then checked my account and found that the bank had lowered my credit with no warning and did not get advised until XX/XX/22. This should not happen the first a mistake is made it should when payments are behind more then 3 or more times people are fallen on hard times these days.
Consumer complaint received 2022-04-14
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. (MO)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-07-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation (TX)

On XX/XX/XXXX I obtained a 10 day payoff quote amount from Bridgecrest in the amount of {$16000.00} for a XXXX XXXX XXXX, account number XXXX. I applied for a refinance loan through XXXX XXXX XXXX XXXX for this amount and was approved. I picked the check up on XX/XX/XXXX and called Bridgecrest and was told that the actual payoff amount was {$16000.00} and when asked for the info to pay the car off, I was given a XXXX XXXX XXXX send the check to. I sent the check via certified mail on XX/XX/XXXX with tracking number XXXX XXXX XXXX XXXX XXXX. The company says they didnt receive the payment until XX/XX/XXXX & posted it XX/XX/XXXX leaving a balance of XXXX on the account. When calling to ask why I had a balance when the woman that I spoke with on XX/XX/XXXX said that the payoff amount was actually cheaper than what I sent, I was given attitude and the run around, told that I cant speak with a supervisor and kept being placed on hold and passed around to escalations. So, finally I just requested the check to be sent back and was first told that it couldnt be done, then, after a long hold, was told that its a XXXX party check and theyll send it to them instead, even though the check was made out to me. I was told this after I told them Id rather take the check and purchase a new vehicle from someone else who values me as a customer and let them have their car back. I was also told by XXXX ( ID # XXXX that I cant give the car back. When looking into the matter I found that they arent supposed to send any refunds to a third party and theyre supposed to go off the post mark on the check and envelope. Once I found this, I asked them to pause on the refund until I filed my complaint with you guys.
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (IL)

I have disputed this account multiple times, it has been deleted and is now showing on my credit report again. This is an account resulting from identity theft and has already proven to be so. This should not be a recurring collection showing on my account.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act 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 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2022-03-02
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: Resurgent Capital Services L.P. (IL)

I filed a dispute with company asking them to verify my debt.The representative could not pull up my account because the account is not linked to my social security number. This account was opened with another social security number with a person with the same name as me. I've disputed this with the company several of times. When asked to provide my written signature giving consent to the application for this line of credit all I receive is statements with another social security number. I have disputed this for two years and there has yet to be a resolution.
Consumer complaint received 2022-04-14
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. (SC)

I have tried to dispute the XXXX XXXXXXXX XXXX credit card information showing on my credit report with all three of the credit bureaus back in XX/XX/XXXX and again on XX/XX/XXXX & XXXX XXXX. I contacted XXXX XXXX XXXX on XX/XX/XXXX and was told by 5 different representatives that they do not have a closed credit card account for me and that they only show closed checking and savings account with them in their system. I asked if they could send information to the bureaus correcting this but was told they would have to have an account to access in order to update this misinformation with the bureaus. I disputed the account again and have already received results from Experian stating that the account came back as verified and will remain. I do not understand how they are validating an account that XXXX XXXX  XXXX can not pull up when I called them directly. I provided the full account number that one of the Experian representatives provided to me and XXXX XXXX XXXXXXXX could not pull it up in their system. Please assist! Thanks in advance!