davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (VA)

A collection agency by the name of credit control corporation listed on my credit report is fraudulently seeking multiple amounts and accounts under the same name, amount and date. I disputed it and got it taken off of one of the credit bureaus which was XXXX but not XXXX. I tried to reach out to the company on XX/XX/2022 to no avail. I received no response. They have hurt my credit substantially by submitting so many hard inquiries and claiming at least seven accounts again with the same amount from the same day and time which is illegal and completely unethical and should not be allowed. XXXX came back after I filed a dispute in their favor which means that they did not really look into it because it's clear just buy a glance that's something can not be right with the same account with the amount and date all the same being filed. The account originates from what I believe was my miscarriage due to the date however, they have not sent me anything with their name on it so I can not be for certain. Not only did they lie once when they knowingly filed all these hard inquiries on my credit on the same day and time which was the same account but when I disputed it with transunion, they came back yet a second time and said it was accurate. This can be devastating for some people as we need to have credit to be able to get housing, travel and many other things. I have never had to file a complaint against the company before so I am not so quick to do so but this is completely wrong and I feel helpless. Please help and thank you for having this service in place for people with no voice like myself fighting against big companies.
Consumer complaint received 2022-04-15
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 XXXX/ XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-04-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (MD)

This is addressing the loan I requested and they denied it. There is I feel, subjective inferences in relation to the denial of the appeal. Their reasoning was excessive credit obligations n relation to income. This is why I feel there is subjective reasoning for this. The loan that I requested was not in addition to a current loan that I have with Navy Federal, a signature loan, I wanted to request a loan to pay off the loan that I have, a signature loan that I have with 38 months left at XXXX $ a month. Once I obtain the new loan, it supersedes or pays off the signature loan, with additional funds I requested and the pay off is in 36 months, and that rate was at a lower percentage rate. This would not change what I basically have right now. Now what would be the difference if I added collateral? Does that change the dynamics because if it does this is a fake system. So l would like to proceed with collateral. I have a credit score of XXXX.that proves I am creditworthy. I was never late with any payments owed to XXXX. Like I said I was with this camp for 30years. Im really curious how they determined this.
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (TX)

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
CREDIT SYSTEMS INTL IN ( Original Creditor : XXXX XXXX XXXX XXXX TEXAS ), balance is {$110.00}, and account # XXXX
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd (TX)

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
NWIDE RECVRY ( Original Creditor : XXXX XXXX XXXX ), balance is {$100.00}, and account # XXXX
Consumer complaint received 2022-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MD)

None of the options presented to describe my issue, actually fit the issue. Comenity has been down for weeks now. They claim their systems are up and running, but I am unable to get into my account. Ive spent hours on hold with them only to eventually be disconnected by them. When a rep does access my account they claim they can view my account but are unable to make any changes. They tell me to call back, or transfer me to a number that goes nowhere, and once just disconnected my call without provocation. I am unable to pay via easy pay, automated pay or any other pay options. 

There is currently over {$500.00} in fraudulent charges on my account that have appeared since this planned system upgrade. Comenity even recognized these transactions as fraud because it triggered their automated fraud system. I immediately reported this to their fraud department, within minutes of the transactions. Their fraud department claims they will refund the amount but hasnt as of yet and that conversation happened 10 days ago. My bill is due today and I have no way of paying the amount that I personally owe from the 2 charges I actually made. In 3 days, they will report erroneous information to the credit bureau despite my numerous attempts to pay them over the past 14 days, and attempts to resolve the fraudulent purchase over the past 11 days.
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: Experian Information Solutions Inc. (MD)

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I still have not received the correct respond yet. I have asked numerous times for your company to send verifiable proof which is an ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT!! I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigations due to the stress you have cause 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 2022-05-04
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX bank XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX Account # XXXX Account # 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 an account without my written instructions.

I advised the dealership to refinance my loan because the payments were too high. After being informed i was not eligible to do so. I sundered the vehicle to the dealership along with the keys.
Consumer complaint received 2022-07-10
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. (FL)

I SENT THE INVESTIGATION LETTER ON XX/XX/2022 INACCURATE AMOUNT. ACCOUNT NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX EXPERIAN AND XXXX # XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

I WAS NOT NOTIFIED OF IT IN THE FIVE DAYS. VIOLATION ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
Consumer complaint received 2022-06-23
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PLANET HOME LENDING, LLC (NV)

So I did a modification with the new loan amount and payment due XX/XX/XXXX. I made the payment on XX/XX/XXXX on time but my credit report reflects that the payment was late more then 39 days or not made I called them they flagged it said give them 2 weeks to correct and I did I called back they said that what was reported was correct will not say anything about my payment wether received or not the past due amounts closed with the new loan papers from before XXXX my XXXX payment was on time it should be reflected as XXXX being so. They are never copertive they always tell me something that they don't do u have other obligations that this effected along with XXXX point dump on my score
Consumer complaint received 2022-04-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

My mortgage was sold to a new loan servicer called BSI Financial Services. The loan is a portfolio loan consisting of 7 properties. BSI Financial has only paid taxes on 1 out of the 7 properties using my escrow account. I have been following up with them since XXXX. It is now XX/XX/XXXX, and my taxes are still not paid. There are plenty of funds in my escrow account to cover the taxes. Also, there is now a 10 % penalty that needs to be paid due to the lateness. I am afraid there will be a tax lien on my houses. What is the purpose of having an impound account open with them if they are not paying anything out of it? I tell them to close my impound account, so I can pay the taxes myself. They say they can't.
Consumer complaint received 2022-06-20
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: 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 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 2022-04-15
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)

These companies are furnishing information that they should not and they do not have consent to do for these alleged debts. I've asked them to validate date the debt and they have failed to. Their violation of my rights as a consumer fall under 18 USC 1028A-Aggravated Identity Theft. It states the following : ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

To add insult to injury, they have no permissible purpose pursuant to 15 USC 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 : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give written instructions? I did not.
Consumer complaint received 2022-07-29
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. (TX)

In accordance with the Credit Reporting act 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.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against TransUnion for using deceptive and unfair practices. Fraudulent information was furnished to my consumer report without my authorization or written instructions pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports. The fraudulent information that's been furnished to my consumer report is not information relating to the consumer. I demand that the alleged tradeline account from ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' ) be deleted immediately. TransUnion has failed to implement Reasonable policies and procedures concerning the integrity of furnished information pursuant to 12 Code of Federal Regulations 1022.42. TransUnion is fraudulently using unfair practices to furnish item ( s ) that has not been certified or verified by law. TransUnion and it's subsidiaries are marketing and selling consumer information which is a violation of a 2017 enforcement order requiring it to stop deceptive practices. Upon receipt of this notice, you are hereby notified pursuant to UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-05-04
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. (TX)

TransUnion took XXXX points off my credit score because I paid my bill off I dont think its fair I pay all my bills on time not behind on anything but yet they knocked it down XXXX points because I paid the account off I think its not fair or right
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: Experian Information Solutions Inc. (TX)

Experian is reporting a public record of bankruptcy on my report. I have ask this company to verify their accurate information. They have refused to send me verification of the information to explain this belongs to me. They keep reopening my case of dispute and keeping the information on file as verified and closing the dispute. I have sent them paperwork notifying them that these other companies plus the courthouse does not give out the information. So who are they getting this information from. Because they cant explain it to me nor verify it. This needs to be deleted ASAP. This is against the law and it also blemishing my character. I am tired of fighting with Experian and the automatic system that sends back verified and remains on my credit. This is not acceptable. This needs to be deleted!
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello good day! Hope you're doing well, reason I'm typing this is because I have several hard inquires on my credit report that are unauthorized, I already spoke with the creditors ( Capital One ) and credit bureaus specifically XXXX and was recommended to make a CFPB report about this situation
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: Experian Information Solutions Inc. (NM)

On XX/XX/2020 I established a store credit card with XXXX XXXX XXXX XXXX XXXX the breakout of the 2020 COVID pandemic, I was too afraid to check and even touch my paper mail. As though did every business, I also spiraled in figuring out how to keep our institution/ business connected, and as a manager of an essential business, configuring remote employees, while ensuring my own children remained connected for schooling, was my upmost concern, as so was it for all of America . After realizing that I had gone severely DQ, with this credit card, months later, I pleaded that they please remove this negative reporting. After submitting I would say my second dispute, I found that not only did my plead go unheard, but a DUPLICATE negative account reporting appears on my credit report. They are negatively impacting my credit. It also feels like retaliation due to my multiple requests to remove or consider these accounts. I have not to date received anything in the mail, in writing. The online dispute responses are always unavailable, and if it exists difficult to retrieve. I have been unsuccessful in understanding, why they can not consider my situation, why is there a duplicate negative reporting.
Consumer complaint received 2022-04-15
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: EQUIFAX, INC. (FL)

In accordance with the fair credit report XXXX has violated my rights In accordance with the fair credit report FACTUAL DATA has violated my rights In accordance with the fair credit report XXXX XXXX XXXX  has violated my rights In accordance with the fair credit report EQUIFAX MORTGAGE SER has violated my rights 15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-15
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX account XXXX and XXXX XXXX XXXXXXXX, have violated my rights. 
15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions.