davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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. (MD)

In accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. -- -XXXX XXXX account numberXXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section602A 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.C1681c a ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions which antedates the report more then 7years U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe tht the information is inaccurate
Consumer complaint received 2020-07-02
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)

There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Names : XXXX, XXXX, XXXX ( XXXX ) Names : XXXX, XXXX XXXX ( XXXX ) Names : XXXX XXXX ( XXXX ) Address : XXXX XXXX  XXXX ( XXXX & XXXX  ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( Equifax ) Address : XXXX XXXX XXXX ( Equifax ) The following items are reporting as a result of Identity Theft : XXXX XXXX XXXX Date Open : XX/XX/XXXX ; Bal : {$59.00} ( XXXX, XXXX, Equifax XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX  & XXXX  )
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ORG GC GP BUYER, LLC (LA)

I owed a balance to XXXX XXXX for services that were terminated in XX/XX/2020. This balance was turned over to GC Collection Services on XX/XX/2020. GC Services called me several times a week to collect the balance, which included equipment fees. I was not able to turn in the equipment because the local XXXX store was closed due to COVID 19. This was explained to GC Services representative XXXX XXXX on several occasions. She advised that once the equipment was turned in for me to call back and make the payment for the data fees. On XX/XX/2020, the equipment was returned. She informed me that I needed to clear the account up prior to XX/XX/2020 to prevent it from being reported to the credit bureaus. On XX/XX/2020, I spoke with XXXX and provided my checking account information for the payment. On XX/XX/2020, I received a call from GC Services stating that I had a balance with XXXX XXXX for {$190.00}. I explained to the representative that I made a payment two days earlier in the amount of {$170.00}. I explained that I should not be receiving anymore collection calls because the account balance had already been paid. The rep said they would look into and I should not receive any other calls. On XX/XX/2020, I received an alert from XXXX stating that a new collection account was added to my file. When I logged in to view the alert, it showed a newly reported account from GC Services in the amount of {$190.00}. I immediately called GC Services to discuss and informed them that I made a payment on XX/XX/2020. The rep stated that they did not show a record of any payments made. After being on the phone with one rep, I was transferred to a Supervisor named XXXX XXXX, who explained that apparently I had two accounts in their office for XXXX XXXX. I stated that I was never contacted about the 2nd account until XX/XX/2020, but assumed it was a mistake since I had just recently made a payment to them. XXXX XXXX agreed that it was confusing and apologized for any confusion or frustration it may have caused. I explained that I had no problem making a payment and had I been properly notified of the account, I would have made a payment to prevent the account from being reported as a collection account, which has damaged my credit scores. She could not provide me any documentation or notes of any correspondence or communication from their office to me concerning the 2nd account, other than the call on XX/XX/2020. I was not provided the opportunity to dispute or validate this account with GC Services prior to them reporting this account to the three major credit reporting bureaus. XXXX referred me back to XXXX XXXX, who stated that there was not anything they could do and that all communication, payments, and disputes were to be addressed with GC Services. I reached back out to GC Services and was not able to come to a resolution.
Consumer complaint received 2023-05-25
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. (GA)

in accordance with the Fair Credit Reporting act Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 2022-12-08
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. (GA)

I submitted a letter to Experian dated XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX
Consumer complaint received 2020-07-02
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. (NY)

To whom it may concern I was looking at my XXXX XXXX. It's been a really long time since I looked I noticed a bunch of inquiries I know that I never authorized or signed anything for these companies to run my credit. I believe this to be some type of fraud as I never went to any of these places or even tried to do anything with my credit until I looked at XXXX XXXX   on XX/XX/XXXX and noticed all this. My friend told me to come to you guys directly. Attached are screen shots of the inquries I am being accused of. I did not apply for any XXXX cards on following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX. I would like all of these to kindly be removed. I am going to look into this more might have been my ex being spiteful. I honestly didn't do it.
Consumer complaint received 2022-12-08
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)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle an incorrect and unverifiable account that is keeping to be established as correct. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please delete this account from my file :
Consumer complaint received 2020-07-02
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: Experian Information Solutions Inc. (NY)

XXXX XXXX  ( account number XXXX ) has late payments on my account from 2019. I found a buyer in XXXX of that year and began the process of selling the home. For whatever reason, it took XXXX XXXX until XXXX to process the payoff on my account. This is NOT MY RESPONSIBILITY. It is theirs. 

I submitted a dispute to all three bureaus with different results. Experian only removed the 90 day late in XXXX. XXXX XXXX didn't do anything ... XXXX  didn't do anything. This should prove that the entire process of reporting and dispute handling is upside down with the lender. I want the 60 day late in XXXX and the 30 day late in XXXX removed from my file as well. I want the 90 day late also removed on XXXX XXXX and XXXX The delinquency was not my doing.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. ()

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2020-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (PA)

On or around XX/XX/2020, I was the victim of debit card fraud. As a result, M & T Bank incorrectly reversed 5 legitimate transactions with the merchants, that were not not apart of the fraud I was victim to. The amount of {$600.00}, was incorrectly reversed from the 5 separate merchants and refunded to my bank account. I explained this error to M & T Bank via telephone on or around XX/XX/2020after it was brought to my attention by a " reversal of payment '' notice from my cell phone provider. I was told by M & T Bank that the bank would withdraw the funds of {$600.00} from my bank account on or around XX/XX/2020 and redistribute the funds accordingly to the correct legitimate merchants. As of XX/XX/2020, the merchants have not been paid, even though M & T Bank collected the funds from my account onXX/XX/2020. I would like my money back so that I may pay my pass due debts that M & T Bank has created. I've called M & T Bank well beyond eight times over the course of 2 months, but to no avail. On XX/XX/2020 I physically went into a branch located at XXXX XXXX XXXX, XXXX, PA XXXX to address these issues in person with documentation I had, and I was unjustly accused by the banker of being dishonest. I politely left the branch, and I have researched other means and entities to address this issue. I would like my funds of {$600.00} reimbursed to me so that I may pay off the merchants that provided me service. I do not trust M & T Bank to re-disburse the funds to the merchants at this time due to their negligence. I am requesting a thorough investigation by M & T Bank so that the proper actions are taken to protect their customers from incidences of abuse like this in the future. 

Transactions that were reversed and illegitimately kept by M & T Bank on or around XX/XX/2020 : XXXX XXXX= {$100.00} XXXX= {$40.00} XXXX XXXX= {$10.00} XXXX  XXXX= {$390.00} XXXX XXXX= {$57.00}
Consumer complaint received 2020-07-02
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (MN)

I have a debit card with Direct Express that my social security funds are electronically deposited. Direct Express is recommended by the Dept of Treasury. Since XXXX of XXXX, a company called XXXX has been fraudulently withdrawing {$52.00} monthly for an arcade gaming site that I never purchased or authorized. I just became aware of this in XXXX of this year. When I check my account, I do it by phone, and it only gives the amount and date of withdrawal. Because the amount was in line with amounts of my other transactions it went unnoticed. I have contacted the card administrator, Comerica Bank, several times and never heard back. I contacted XXXX, and they just keep telling me they can't help me because I made this purchase, which is not true. I have filed a fraud report with the MN Attorney Generals Office, and they are working on it. I have also filed a fraudulent activity report with Direct Express a week or so ago but I'm not hopeful that they will be of any help based on their customer service so far. Direct Express has had several class action suits filed regarding accounts being hacked, and then I see that the Dept of Treasury just renewed their contract with them in XXXX of this year! My total loss in this mess is {$1700.00}, and a loss I can not afford. Anything you can do would be greatly appreciated
Consumer complaint received 2020-07-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I recently did a refi with my lender PennyMac at the beginning on XXXX. My FIRST payment is not slated to actually occur XXXX. 

However, I made my first prepayment on XXXX against my mortgage of {$190000.00} for {$1100.00}, and was applied toward the escrow ( {$650.00} ) and principal ( {$470.00} ). I did indicate as such on my payment coupon. 

I have been going back and forth with them via numerous calls and direct email on their sit to get this fixed as the took {$460.00} and applied it to interest. They are not being helpful and that is alot of money misplaced
Consumer complaint received 2020-06-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2023-03-23
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. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had checking and savings account was with Bank of America last 10 years. Someone made a deposit {$2500.00} through online without my knowledge. 
I try to explain the BOA agent he is very arrogant- from closing department and his name is ( XXXX ID # XXXX ) not qualify to work for Banking so Would like to bring charges against him to abuse his power to unlawfully!!! 

My account details Routing No : XXXX Wire Routing : XXXX Savings Account : XXXX Domestic XXXX XXXX : XXXX XXXX : XXXX Checking Account : XXXX XXXX XXXX XXXX XXXX. Last XXXX
Consumer complaint received 2020-07-02
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2023-03-24
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. (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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXX Balance Owed XXXX {$19.00} XXXX XXXX XXXX Balance Owed : {$32000.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2020-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 
XXXX XXXX {$2500.00} XXXX XXXX {$480.00} XXXX XXXX {$620.00} XXXX   XXXX {$5800.00} XXXX {$150.00} XXXX   XXXX {$110000.00} XXXX XXXX {$110000.00}
Consumer complaint received 2021-06-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ALLY FINANCIAL INC. (CA)

I purchased XXXX XXXX  XXXX and the interest free loan they promised me was a scam. I was very sick when the first statement showed up ( XXXX  XXXX XXXX XXXX My wife told me for my health to just pay it and ignore it for now. After feeling good enough to start reading the statements I realized Id been scammed and the statements didnt make sense. They were charging me interest. I contacted the XXXX XXXX XXXX and filed complaint # XXXX. That was being denied by XXXX. I then went to XXXX XXXX of XXXX  XXXX XXXX, she helped me by having specialists look at the original agreement and my statements. I found out that the North Carolina based Ally Lending was violating the law in that state. They are charging me interest, and the statements are so confusing its ridiculous. I have not filed a lawsuit yet.