davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-30
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. (TX)

On XX/XX/XXXX, I wrote a dispute letter to Experian credit bureau, asking for verification of a XXXX XXXX account thats being reported on my Experian credit report per 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. ( Verification Letter Attached ) The verification letter was sent certified mail and was received on XX/XX/XXXX by Experian. ( Delivery certification letter confirmation attacked ).

On XX/XX/XXXX I received a letter stating that Experian investigation was complete. After reviewing the report, Experian stated that Outcome : Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. ( Experian report page 1 and 2 attached ) After reviewing my report, I did my own investigation and placed a call to XXXX XXXX to see if they had any information on me for this account. On XX/XX/XXXX I placed a call to XXXX around XXXX XXXX and spoke with a representative name XXXX ( AKA ) no employee number was given. He indicated that they have no information on this account, because they sold it to a third party on XX/XX/XXXX. 

After placing the call to XXXX XXXX, I knew that Experian was in clear violation of the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. I am very concerned about the validity and accuracy of Experian investigation, as this inaccurate item remains on my credit report, which is a clear violation of the FCRA. If Experian had investigated properly, rather than using a XXXX XXXX, they would have known, that this account does not exist per XXXX XXXX, but Experian claims to have verified this account was accurate. 

It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain the reasons for my dispute is not reasonable.
Consumer complaint received 2022-09-02
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: EQUIFAX, INC. (SC)

I have been disputing these 2 files for a while now and they keep coming back validated, but they have not provided me any proof of what they have to show how they keep validating the account. I filed a FTC report and everything. 
According to 15usc1681b no permission. I am the consumer and I control what is reported on the report. Fraudulently placing on the account is grounds for imprisonment and or {$1000.00} per violation. I will seek remedy for all violations on the account. 
Privacy law is also broken according to the privacy act of 1974 ( 5 USC 552a ) protects personal info by the FEDERAL GOVERNMENT preventing UNAUTHORIZED disclosures of info. Individuals have the right to review such info, request corrections, and be informed of disclosures.
Consumer complaint received 2022-09-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (MI)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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 2022-09-02
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. (PA)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-05-31
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: EQUIFAX, INC. (TX)

Just like with XXXX  and XXXX  I was once a victim of identity theft which was proven and they ( whoever ) made hard inquiries on my credit report around those times ... I sent out a dispute letter pertaining these inquiries but never heard nothing back idk if it's due to covid 19 ... .but I been patient and wondering what's going on I requested them to get deleted and only heard back about 1 issue
Consumer complaint received 2020-05-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION (LA)

I had one late payment over 46 months ago. I've tried calling to speak to someone about forgiveness on this as I've only had one late payment in over 5 years with this line of credit but no one at Regions seems to know who I need to speak to. I keep getting told to call numbers that just referred me to their number. It's frustrating, that the employees CAN NOT point you in the right direction.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

USAA has not issued the refund that was given to them by XXXX XXXX XXXX. The card is closed. I was told it would be sent to me via check. Then I was told it would be sent to XXXX. None of these things have happened. See below for XXXXXXXX XXXX  response regarding the refund status. 


I have reviewed reservation # XXXX and can confirm that the deposit of {$500.00} was returned to the original form of payment, card ending # XXXX, on XX/XX/2022. 

We encourage you to reach out to your financial institution if you have not yet received these funds as they have not been returned to XXXX XXXX XXXX at this time. 

I hope this information has been helpful. If you require further assistance with any other inquiries, please feel free to contact us. 

Have a Wonderful Day. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc. (CT)

On Wednesday XX/XX/XXXX I called XXXX back from a call that I missed from them. The call was at XXXX PM and the call lasted for just under 39 minutes. During the call I was given numerous false and contradictory information. 

A : I had filled out a complete loan modification form and emailed it to American Financial Network and was told that the application only had 2 pages and was sent on XX/XX/XXXX. In fact all pages were filled out and submitted in the application sent. 

B : After resending exactly that was sent on the XXXX of XX/XX/XXXX, I went over with the worker how I sent every required page in the loan modification application. The answer now from the worker was that it was not acceptable to have the loan modification in 2 attachments within email sent. This is another layer of deceit in order to deny me my rights as a consumer and the Federal Covid laws. When caught doing fraud in stating that I only emailed 2 pages of a 13 page loan modification documents, the answer was not to admit to being deceitful in claiming that I only sent 2 pages on XXXX XXXX XXXX but rather the approach was to claim that sending ALL the required loan modification application documents was unacceptable because it was contained in 2 attachments with email sent on XX/XX/XXXX and then again on XXXX XXXX, XXXX. 

C : I was told by phone that I sent 2 pages of Bank statements on XX/XX/XXXX, but in reality I sent the full loan modification filled out by email. This was another layer of deception and contradictions within the same call as INDISPUTABLE call recording will show. 

D : I was given a random list of documents that I was supposed to provide in addition to the application, but there were no specifics and nothing was sent outlining the items that I needed to provide.

E : I was then asked to send documents that I previously sent numerous times. I was asked to send tax returns for XXXX and XXXX, but I explained countless times that I was not required to file taxes for that year and as a result my XXXX XXXX did Profit and Loss reports for XXXX, XXXX, and XXXX. I previously was told to continually add to these documents such as signing the documents myself, having additional language added, and more. 

After having previously provided every document required by American Financial Network and then asked for more and given contradictory lists of information when making calls to American Financial Network the tasks became inconsistent and impossible to follow. This is all a pre-meditated and malicious scam by American Financial Network which is now clear from all of the previous calls and now these absolutely absurd contradictions and claims by American Financial Network when talking to loan expert XXXX who worked for the company.
Consumer complaint received 2022-09-02
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. (AZ)

{$170.00} charge from XXXX is for XXXX testing for XX/XX/2021 for 4 or 5 people. These charges for XXXX test results are not to be billed to XXXX XXXX during this time period, a s we had no health insurance. If these are not XXXX billings from XXXX, then they are incorrect billings being charged to XXXX XXXX XXXX Why? Because XXXX shows no Collection Accounts for XXXX XXXX for the last XXXX XXXX Kindly remove this collection activity from XXXX for XX/XX/2021 for XXXX XXXX.
Consumer complaint received 2022-09-02
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-02
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. (IL)

As provided by the Fair Credit Reporting Act, I am disputing the following inaccurate personal information that does not correspond with my legal documentation ( see attached ). These inaccurate versions of my name and address are creating confusion with my creditors and lenders to whom I have submitted applications because the information contained in your records does not match my personal credit identity. This is a formal request to remove the following inaccurate information from my report. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. According to the fair credit reporting act 12USC 1681. I have the right to privacy. These are clear violations of my federally protected consumer rights. 
Remove all these versions on name : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Remove all these version of address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Av, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2022-09-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (SC)

I opened a personal loan with Mariner Finance in XX/XX/XXXX. All aspects of obtaining the loan were done online. 

Mariner Finance recently upgraded their website, I went in to login to my account to make my payment ( which was about 2 weeks late at the time ), and was asked to answer my security questions, something I never had to do with the previous website. Since these were setup almost 4 months ago, I incorrectly entered them.Mariner Finance then proceeded to lock my account with no warning and told me I needed to contact my branch. I understand the need for security, but this is ridiculous. 

Seeing as how my work schedule prevents me from contacting my branch during their operating hours, and their online support which operates on the same schedule ( also crazy ), I reached out via email on XX/XX/XXXX to see if there was any way I was able to verify my identity and unlock my account another way, to which I was told no. 

I count on my online account to make payments, as making payments over the phone is not possible as mentioned above. 

On XX/XX/XXXX, I made a payment from my bank account using XXXX XXXX, I asked my fiance to call the following day to make sure they received it. He was told they had not, and that it was probably mailed and not transferred electronically ( as of XXXX the payment is listed as processed by my bank, electronically, to Mariner Finance ). He also asked if there was any other way for me to verify my account, or if there was a customer service line open after XXXX PM, to which he was also told no. 

I dont understand how a major loan company has no other avenue to verify my identity other than to call during a limited time frame. And how they would lock an account after incorrectly answering questions ONE TIME. I would be more than willing to submit identity documents, ssn, utility bill, etc,. It should also be noted that when obtaining the loan, I didnt speak to a single person to verify my identity. 

I would like Mariner Finance to unlock my online account so I can continue to make payments. I will submit any identity documentation needed, but I shouldnt have to jump through hoops to make a payment, especially when none of this was needed when taking out the loan in the first place.
Consumer complaint received 2022-09-02
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-02
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. (GA)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below and correct it in my file immediately : DEPTEDXXXX XXXX Balance Owed : {$6100.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$19000.00}
Consumer complaint received 2020-05-30
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. (FL)

I pulled a copy of my credit report and notice information from XXXX XXXX XXXX on my credit report that should not be there. I reached out to the credit bureaus to do an investigation XX/XX/2019 ( please see attach letter entitled bureau investigation ' ) and the bureaus respondedXXXX stating that XXXX XXXX XXXX verified the information as reporting correctly. ( please see attach response from the bureaus entitled 'bureaus initial response ' ) I then reached out to XXXX XXXX XXXX XXXX XX/XX/2019 after I received that letter from the credit bureaus. ( please see attach letter entitled '1st letter sent ' ). To date we still have not receive a response from XXXX XXXX XXXX and we know they receive the correspondence sent ( please see attach signed green return receipt ).
Consumer complaint received 2022-09-02
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: Entrata Inc. (MO)

A submit of a rental application on XX/XX/2022 that include a payment by debit for fees of XXXX  XXXX {$60.00} to reserve and process the application at XXXX XXXX XXXX to lease an available property the company that assist with the approval is Resident Verify LLC located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received an applicant adverse action Letter stating that Resident Verify had no involvement in the decision and cant provide details of the denail but it states that Resident Verify/XXXX acted together to provide the results. I would like to requests in writing from both companies of any and all parties involved with this descision including third parties if I can please be provided on a way to fix this as it is causing time being wasted in finding proper housing and causing issues with my rental applications I would like it resolved immediately I was advised by XXXX that the return of the {$250.00} will be return XXXX XXXX XXXX the form of a check but the fee to process the application will not be returned
Consumer complaint received 2022-09-02
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX