davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-01
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. (FL)

As dated XX/XX/2022, I, XXXX XXXX, Consumer, am aware that the following Consumer Reporting Agencies have willfully and knowingly broke Federal Law, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, TransUnion LLC, I am aware that XXXX XXXX XXXX XXXX CFO, XXXX XXXX XXXX XXXX CFO , XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all party ( s ) mentioned are committing FRAUD. This is a racketeering Act, these companies get paid to furnish Consumers information and trade on our name. 
All party ( s ) mentioned shall be fined and imprisoned because Ive submitted an FTC Identity Theft Report and made it very CLEAR that XXXX XXXX XXXX is committing FRAUD and yet all 3 Consumer Reporting Agencys willfully and knowingly violating the law and failed to DELETE such FRAUD account from my Consumer Report. 

All party ( s ) mentioned shall be fined for aggravated identity theft pursuant to 18 U.S. Code 1028A ( 1 ) ( 2 ) - Aggravated identity theft -and imprisoned for 5 years. 

Ive even have proof that the Consumer Reporting Agencys willfully and knowingly broke the because I sent my hand written instructions pursuant 15USC 1681b ( a ) ( 2 ) dated on XX/XX/2022, and ALL 3 Consumer Reporting Agencys did not comply with an Consumer written instructions according to the Fair Credit Reporting Act law. 

All party ( s ) mentioned shall be fined under XXXX XXXX for {$100000.00} ( Per Violation ).
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

XXXX XXXX is incorrectly reporting missed payments, contrary to the Cares Act, passed in response to Covid-19. My credit score has dropped drastically, at no fault of my own, effecting my ability to conduct business during a pandemic.
Consumer complaint received 2020-05-22
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)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE PLEASE REFER TO THE ATTACHED ID THEFT POLICE REPORT AND DELETE THE BELOW ACCOUNTS UNDER ACCOUNTS TO BE DELETED. 
I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED AN INVESTIGATIVE RESULTS REPORT. ALL THE GIVEN DISPUTE LETTERS ARE IN VIOLATION OF THE FCRA DEADLINE DATES TO RESPOND TO A DISPUTE AS OUTLINED UNDER THE FCRA. YOUR FIRM COMMITTED ELEVEN 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.
Consumer complaint received 2020-05-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (GA)

I have been trying to dispute this charge for awhile, first off I move out of the apartment a week after I signed the lease with the permission of the leasing agent because after moving in the ceiling in my sons room fell in it was a hole in the ceiling. It was agreed I could move out they kept all the fees, but it has still shown up on credit report, I attempted calling to dispute over the phone to no avail, i disputed on XXXX XXXX as well, i never received written notification of account going to collections, i don't know where the paperwork was mailed.
Consumer complaint received 2022-05-19
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)

XXXX XXXX has a loan listed on my credit reports with Experian and XXXX ( and possibly XXXX ), but I never took out this loan. I spoke with a call center rep on XX/XX/22, and she confirmed I do not have an account. This loan should be removed from my credit reports.
Consumer complaint received 2020-05-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (AL)

I have received a statement from Village Capital and Investment indicating there is a XXXX fee. The company indicated they dont know what it is for, but advised it is from the previous loan processing company, XXXX XXXX. Village Capital has been the loan processing company for over a year, and they advised they are unsure what the fee is for, and I could just disregard although it is on my XX/XX/XXXX statement. I spoke with a representative named XXXX at Village Capital and Investments on XX/XX/XXXX at XXXX CST, reference number XXXX.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report. I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAME : EMPLOYER : XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VIRGINIA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX VXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX EQUIFAX NAME : EMPLOYER : XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX HL XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX VIRGINIA XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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 2020-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In summary, I filed a dispute for {$300.00} of a {$750.00} transaction that I thought was used on this card. However, when Bank of America set me the evidence of the charge, it is immediately obvious that this is fraud. After receiving the evidence provided, my claim is for the full {$750.00}, which was supposed to be only {$7.00}. 
I called the XXXX XXXX and was told to fax in my statement, which I did on XX/XX/2020. The delay was due to the Postal Service not handling the letter properly resulting in it's delivery on XX/XX/2020. The postmark on the envelope was XX/XX/2020 for a letter generated on XX/XX/2020. 
Despite statements by Bank of America, the letter was never uploaded to my claim center, which would have allowed me to respond quicker ; but they never uploaded the letter from XX/XX/2020. Bank of America sat on the claim for 2 weeks before forwarding to the merchant and never contacted me, instead relying on the Postal Service in a time that the country is going through a pandemic of epic proportions. 
In 4 subsequent calls, I have been advised that I basically was out of time due to Federal Regulations ; however Federal Regulations I was referred to showed that the process must be completed by or before 90 days, which would have been XX/XX/2020. They denied my review on XX/XX/2020. 
This is clear fraud and Bank of America is choosing to be a part of perpetuating the fraud and not protect my resources. 
I have demanded to speak to a person they refer to as " they '' to discuss, as the people answering the phone are merely data entry clerks. I have been denied the opportunity to speak to " they. '' The merchant has failed to prove it was me that signed that receipt and does not provide the evidence sufficient to correlate their defense in the letter. I have contacted the merchant again since XX/XX/2020, they referred me back to Bank of America also indicating that Bank of America should have never sent me their response and just denied the claim. Bank of America 's refusal to adequately review the claim, my letter and support a customer shows their willingness to participate in this fraudulent activity.
Consumer complaint received 2020-05-22
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: Experian Information Solutions Inc. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX   XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX  Company Inquiries XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX   XXXX/XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/ I noticed an unauthorized credit check performed by Bank of America ( BOA ) reported on my personal XXXX credit report. I contacted BOA to report the fraud and request a copy of the application that was submitted on my behalf. I was told information regarding the fraud would be provided to me in the mail within 7 to 10 business days and provided with a fraud Case ID # XXXX. On XX/XX/ I followed up with BOA after having received no information in the mail. I was told by representative XXXX no information had been sent, however she agreed to find someone to expedite my request for mailing the information. After placing my on hold, she transferred me to representative XXXX who had no knowledge of the situation nor could not use my Case ID to locate any interaction with previous representatives. XXXX took my information again, stated she had corrected everything and properly notated the situation in the system ( she provided me with a reference number, XXXX ), then transferred me to representative XXXX to attempt to locate my Case ID information. XXXX could not tell me what actual information BOA would be mailing me, he was only vaguely aware that an affidavit or other document might be involved. Both representatives confirmed I would receive information in the mail from BOA regarding the fraud and my request for a copy of the application. On XX/XX/ I contacted BOA again and spoke with BOA representative XXXX, still having not received any information, and was told no information had been mailed but that the previous representatives had incorrectly entered my city in the system. I was told BOA would still not be mailing anything for the next 7 to 10 business days. After requesting transfer to a supervisor, floor supervisor XXXX, who stated the employee responsible for sending copies of applications was " out of the office '' and there was no way to expedite my request for information. XXXX  refused to provide her last name after I asked. I advised XXXX that I already waited over 30 days to receive any information, she simply apologized and stated the process was long. When I asked her what else I needed to do to ensure I would receive information from BOA she simply stated steps which " should '' work but refused to commit to any resolution of the situation. I advised XXXX I would rather resolve the issue with BOA directly than file a regulatory complaint, however she simply repeated her previous responses and was not interested in doing anything more to help me, even when made aware of BOAs previous errors. I have currently been waiting over 30 days to receive information on a credit card application submitted fraudulently on my behalf to BOA and have not received the information promised by BOA to assist me in identifying who committed the fraud, what documents need to be submitted to collect a copy of the application, or a copy of the application itself.
Consumer complaint received 2020-05-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I paid off my auto loan with Capital One in XXXX XXXX of XXXX. 
After paying off my loan in XXXX, I requested that Capital One mail me an updated copy of the title report for my car to the address I had on file with them. 
It is now the end of XX/XX/XXXX, and Capital One refuses to mail me the updated title report for my car. 

From XXXX XXXX of XXXX, Ive called Capital One more then 15 times to request that they mail me the updated title report for my fully paid off car. 

Each time I call Capital One, the customer service agent I talk to tells me that they are working on correcting the issues and that I should receive the update title report soon. 

The title for my car is very important provides evidence that I own that specific property. On my most recent call on XX/XX/XXXX, the agent said that they cant to do anything and that I should figure it out on my own and provided no resolution to my complaint/ request.
Consumer complaint received 2022-07-01
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. (TX)

On XX/XX/2022, My letter was stamped received by XXXX Credit Bureau. The letter was a request for reinvestigation into accuracy of information being reported on my credit file.. Per the federal mandated time for this investigation. By law is 30 days, for the investigation upon completion of the results, I am to be made aware of whom completed the investigation results, whom was contacted in reference to the investigation, completed results, and how was the investigation information was obtained, The account XXXX Acct # XXXX is reporting inaccurate on my credit file, XXXX XXXX Co, Acct # XXXX, XXXX XXXX XXXXr Acct # XXXX, XXXX & XXXX Acct XXXX XXXX. As, of the date of this letter I have not received my results of my investigation. From XXXX Credit Bureau per federal law the mandated required time of 30 days has lapsed. Due to no response, and the non deliverance of my credit investigation results, and nor a copy of my updated credit file. My federally constituted rights has been violated by XXXX Credit Bureau. Per under section 15 USC 1681.
Consumer complaint received 2022-06-30
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 have been disputing XXXX accounts from XXXX XXXXXXXX XXXX I disputed with the credit bureaus to no avail. My dispute is that first premier manipulated my payments to re-age my account. I requested proof of payment they never responded and the credit bureaus are validating this fraudulent activity. I have been affected by Covid-19 and I am just getting back on my feet. 
They reported a payment of {$0.00} on XX/XX/2019. On both accounts. It is illegal and very unfair. I have attached a picture of the page to experience credit report.
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

PRA PORTFOLIO IS FALSELY REPORTING INFORMATION FROM XXXX  XXXX. THEY ARE REAGEING MY ACCOUNT. I HAVE SUBMITTED THE INFORMATION FROM XXXX  XXXX. THERE ARE PORPOSELY ADMITTING INFORMATION AND DEFRAUDING ME AND LYING TO THIS GOVERNMENT ORGANIZATION. 


Re-aging is a very serious violation of the Fair Credit Reporting Act. Re-aging credit accounts causes older negative accounts to look more recent which can ruin your credit score.

Do not ignore any evidence of account re-aging.

Both the original creditor or a debt collector can not re-age a negative account. No matter how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change. The DOFD ( date of first delinquency ) determines how long a negative account can remain on your credit reports. The DOFD is the date an account became 30 days late and no other payments were made.

A negative credit item, such as a charge-off can remain on your credit report for 7 years from the date of first delinquency. Any collection agency that may end up with the charged-off account must comply with that same date.

Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
THEY HAVE REAGED MY ACCOUNT DATES TO 2019
Consumer complaint received 2022-12-30
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. (FL)

I have already filed an FTC report and my FTC REPORT # is : XXXX. Pursuant to 15 USC section 1681c-2 Block of Information resulting from Identity Theft ... Experian and all sister affiliates corporations, XXXX and all sister affiliated corporations and XXXX and all affiliated sister corporations or XXXX XXXX XXXX XXXX XXXX  Entities must remove All inquiries, both hard and soft, off my CONSUMER REPORTS immediately. These fraudulent inquiries were not authorized, nor did I give consent or give permissable purpose to any of the furnishers. These consumer reporting agencies did not provide the method in which they claim has been verified. e-Oscar is an automated form of XXXX  and it's a complete violation of my consumer privacy and has had a negative impact on my home buying process. They are non compliant with federal consumer law.
Consumer complaint received 2020-05-22
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: EQUIFAX, INC. (FL)

My Name is XXXX XXXX XXXX Date is XXXX XXXX My Equifax Confirmation Number IS XXXX OR XXXX And My FTC Report Number Is XXXX I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also Recently I Called Equifax Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All!! These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Equifax..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Accounts : XXXX XXXX XXXX XXXXXXXX XXXX {$36000.00} XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$590.00} Collection opened XX/XX/XXXX XXXX XXXX XXXX ( ( XXXX XXXX XXXX XXXX XXXX XXXX ) ) XXXX XXXX XX/XX/XXXX I Even Called Equifax Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way Equifax Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number XXXX 605 ( b ) Block. Item must be blocked in no less than ( 4 ) days