davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VI)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2022-06-26
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)

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is not negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations
Consumer complaint received 2022-07-12
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. (AZ)

I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXX Balance Owed : {$580.00}
Consumer complaint received 2022-07-11
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. (NC)

This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$9.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXXXXXX XXXX Balance : {$23000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$450.00} ; XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I do not have a credit score for the bank to approve or deny me credit. I have called Equifax for XXXX days straight and they can't fix the issue.ANy Bank that connects to equifax they don't get a score back from them. I'm locked out the banking system do to no score from Equifax. 

They continue to mail me a hard copy but the bank will not accept that. Bank need to connect thier system to Equifax to provide me credit.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

I went online First national website to obtain information about closing an account for a decease. The website instructed me to call the customer service number regarding bank accounts. I called customer service on XX/XX/2022 and spoke with XXXX at XXXX XXXX. I asked about the process of closing an account of a deceased person. I was placed on hold, and she proceeded to inform me I will just need to go into a First National Bank with a death certificate to close out a bank account. I asked should it be the branch the deceased normally banked. Or any branch? XXXX stated any branch. 

On XX/XX/2022 around XXXX, I went into the XXXX XXXX and XXXX XXXX assisted me. I lead the conversation by informing I was advised by customer service, to go into a branch location with the Death Certificate to close an account for a deceased. She took the death certificate and asked did I have a letter that I am a trustee to handle my grandmother 's affairs, I inform her I did not. XXXX made a copy of the death certificate anyway. She stated she can only flag the account but without the letter of trustee can not close it. I asked if customer service was aware of this because I was informed the death certificate was the only document needed. I went back a few minutes later to request a copy of the policy of closing the accounts for the deceased. XXXX stated it is internal there is no policy to view. I asked do you at least have the policy for just closing an account in general. She stated it's internal and the website will instruct to come into a branch. The website does not instruct to come into the bank it instructs to call customer service. 

I followed the information that was given to me and there is no written policy to verify which employee information is accurate. My family already must deal with grief, and to also get misinformation is placing an added burden on the situation. I have also sent a certified letter to their headquarters Tracking number : XXXX, They are still charging overdraft fees to the bank account.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account 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 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 purpose
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (IL)

I've been trying to get my life back on track after being laid off from work due to my company closing after covid. This lay off hit me hard because I was also dealing with health issue, was in and out of the hospital, and was not able to get right back to work. I would like to get myself back on track so that I can move forward in life with my health and my credit score. And I know that these negative reporting are not helping and are a defamation of my character. 

In accordance with the Fair Credit and Reporting Act my creditors are violating my rights under 15 USC 1681A ( section 604 A Section 2 ) which states I have the right to privacy. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I was reviewing my credit report and notice there were some items that do not belong to me. Here are the following accounts : XXXX XXXX XXXX # XXXX {$99.00} XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX J XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX # XXXX {$490.00} The specific information under dispute is derogatory nature. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( XXXX ) ( D ). Plus remove hard inquiries that does not belong to me : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ASSOCIATED MORTGAGE CORP (OK)

This complaint is against CityScape Mortgage, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. My husband and I were in the process of purchasing a new construction home since XXXX XXXX. In late XX/XX/XXXX, we decided to switch lenders to see if we would qualify for the XXXX  loan. Cityscape was recommended by our realtor. Once we contacted CityScape, we spoke with XXXX XXXX and his XXXX XXXX XXXX. My credit at the time wasn't where it needed to be approved for the VA loan so they helped me get my scores to where they needed them to be through a program they used. Once that was done the process began to flow and we received a call from XXXX in XXXX saying we were conditionally approved for the XXXX loan. Then a few days later I received another call saying I needed to provide documents on a previous foreclosure that was in my ex-husbands name. I sent over the documents they needed. Then they said the XXXX already shows I had a loan, so i sent over documents showing I never used my XXXX loan. Just when we thought the process was moving forward, they emailed saying I needed to provide bankruptcy documents showing accounts that are closed. They requested I call each creditor on the Bankruptcy list. Each creditor my husband and I called stated the accounts were past the statute of limitations. We explained that CityScape, and they still said the loan may not be approved. However, they sent an email to the builder liaison saying the loan was approved and on track for closing. during that time we still didn't receive an appraisal but were told an appraisal wasn't necessary to close per phone conversation with the XXXX XXXX XXXX. During the process we tried numerous times to speak with XXXX and his XXXX to get some clarity on the matter. At one point my husband received a text from XXXX saying he was at XXXX XXXX. The professionalism was nonexistent. Once we decided to switch lenders again we had almost a month until our XX/XX/XXXX closing date. The lender we switched to requested the appraisal after we were told it was completed. However, cityscape dragged their feet until the last moment and then stated they never completed an appraisal. This caused our closing date to be pushed back to XXXX. CityScape was never forthcoming with their intentions and we constantly received the runaround. The process became extremely frustrating and unbearable. The treatment we received was unprofessional and unethical.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this 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 XXXX 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 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I had an auto loan with USAA for an XXXX XXXX XXXX and in mid XX/XX/2022, I struck a deer and the car was totaled. Insurance didnt pay the full amount and left me with a {$250.00} balance. I had to purchase a new vehicle. I called USAA and told them that because I had to buy a new vehicle, I was unable to afford to pay a full payment on the account which was {$160.00}. I made an agreement with them that I would pay {$50.00} a month on the remaining balance until it was paid off. I told them if I get extra money, I will pay it off sooner. They agreed and I confirmed with them that I would not charge me late fees or report it to my credit. They agreed to that as long as I paid the {$50.00} per month which I have been and the loan was current and up-to-date on payments when the car was totaled. They immediately reported my account to my credit as being past due which was not correct and it was less than 30 days when they sent the information to my credit record.
Consumer complaint received 2022-07-11
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. (CA)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$470.00} ), DEPT OF ED/XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$1900.00} ), XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Credit limit {$2000.00} ), XXXXXXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Credit limit {$2800.00} ), XXXX ( Account number XXXX, Date opened XX/XX/XXXX XXXX Credit limit {$300.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

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 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical-Commercial Audit Inc (MO)

No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-07-12
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. (AZ)

The list of information and inquiry was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiry listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.
Consumer complaint received 2024-10-28
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. (NJ)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.