davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-22
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: Experian Information Solutions Inc. (TX)

Experian did not remove an inaccurate collection account from my report. IT ALSO APPEARS THAT THIS MATTER WAS NOT INVESTIGATED AS THEY CLAIMED OR TO DEPTH REQUIRED BY THE INTRICACY OF SUPPORTING DOCUMENTATION SUBMITTED. Furthermore, they failed to provide any explanation as to why the item was not removed as can be seen in Experian Report Number XXXX. This along with an overly generalized statement under " About Dispute Results '' does nothing to inform me on why this item was not removed from my report. 

The next section " Here are you results '' shows a before and after of the disputed item ( disputed item remains on credit report ) and Experian claims the disputed information has been verified as accurate. Accurate how? Yes, I am sure that the collection agency who submitted the delinquency has confirmed with Experian that have a collection account with my name on it. However, this was not the basis of my dispute. The basis for my dispute was the validity of the debt purchased by XXXX XXXX XXXX from my former housing complex XXXX XXXX. It is likely that either XXXX XXXX XXXX did not conduct their due diligence prior to purchasing this debt OR XXXX XXXX provided XXXX XXXX XXXX with inaccurate information on this supposed debt, or both. I do not owe any money to XXXX XXXX XXXX nor my former complex XXXX XXXX. 

In my statement to Experian ( which I no longer have access to ) I stated something similar to the following : " Collection account reports inaccurate info. Lease was paid through & ended XX/XX/XXXX. Gave notice to vacate on XXXX ; 30 days in advance as per the lease agreement Par 36.1 ( d ) ONLY 30 days is required. 

Vacated apartment on XX/XX/XXXX. 30 days after XXXX is XXXX which was paid in full through XX/XX/XXXX. Therefore, any claim to an additional months rent for the amount of {$1200.00} after providing proper notification, moving out on time, and being fully paid up not only renders the collection reported inaccurate but underscores the dishonesty of XXXX XXXX '' In addition to this information is should be noted that the XXXX  has numerous similar complaints about parent company XXXX XXXX XXXX and XXXX  XXXX XXXX ; or whatever variation of similar names they went by before selling complex to XXXX XXXX. It should also be noted that the XXXX reviews would also help to show a consistent pattern of XXXX XXXX  XXXX XXXX submitting false debt to XXXX XXXX XXXX, if one could access these reviews. However, because the property was sold off to XXXX XXXX and renamed, the reviews are no longer available. I can not even go back and look at the review I submitted from within my XXXX review list. 

The ONLY just outcome is to permanently remove this falsified debt from my Experian credit report as it should have never existed in the first place.
Consumer complaint received 2019-10-24
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. (GA)

The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!
Consumer complaint received 2023-05-25
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. (KS)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-04
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: ALLY FINANCIAL INC. (WI)

ALLY FINANCIAL DATE ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I HAVE NO KNOWLEDGE OF THIS. THIS IS FRAUDULENT ACTIVITY REPORTING ON MY CREDIT FILE I DID NOT CONSENT TO THIS ACT OF FRAUDULENT ACTIVITY I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2020-11-20
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I follow citi bank web off link step by step open citi bank XXXX account deposit more then XXXX XXXX dollar. within 5 month I call customer service they always say I am qualify. now after 5 month they say my code is no qualify. I never put code when I open account. I just follow link to open account. I didn't know code. now they don't pay XXXX bonus.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint against XXXX XXXX  for illegally reporting my transaction history to credit reporting agencies. This reporting violates my rights under federal privacy laws, including the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ). 

Details of the Complaint : XXXX XXXX  has been reporting my transaction history to credit reporting agencies without my explicit consent and in a manner that violates my privacy rights. I believe this reporting is illegal for the following reasons : 1. Violation of Privacy : Under the Gramm-Leach-Bliley Act, financial institutions are required to protect the privacy of consumers financial information. XXXX XXXX  has failed to adhere to these privacy requirements by disclosing my transaction history without proper consent. 
2. Inaccurate Reporting : I believe that the transaction history being reported does not accurately reflect my financial activities and may contain errors that adversely affect my credit profile. 
XXXX. No Proper Authorization : I have not authorized XXXX XXXX  to share this level of detailed transaction information with third parties, particularly credit reporting agencies. This constitutes a breach of my rights under the Fair Credit Reporting Act, which mandates that only accurate and permissible information be shared. 

Previous Attempts to Resolve : I have attempted to resolve this issue directly with XXXX XXXX  by disputing the accuracy and legality of the transaction history reporting. However, these attempts have been unsuccessful, and the bank has continued to report the information despite my objections. 

Impact on Me : The illegal reporting of my transaction history has negatively impacted my credit score and my ability to secure credit. This has caused significant financial harm and distress.
Consumer complaint received 2019-10-24
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. (GA)

The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!
Consumer complaint received 2023-01-29
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. (NC)

In Accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-07
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Lendmark Financial Services (TX)

I have contacted the reporting credit agency that lendmark is reporting a repeating charge off for more than 180 days. 

They simply updated the charge off of in XXXX. How we this continues inaccurate reporting was cause for a deletion due to the damage caused by the improper reporting. 

Which has continue to update for since past the 180 day charge off statute The balance was still showing it shouldnt have due to it being charged off. 

XXXX showed my last payment as XXXX first 2018 XXXX and XXXX showed last payment as XX/XX/2018 A high credit amount was shown on XXXX as {$4500.00} While XXXX and XXXX showed high credit as {$4700.00} Date last active on all XXXX XXXX, XXXX, XXXX are all showing XXXX different dates. 


Due to the inaccurate reporting I asked for this account to be deleted. 

It has impacted my credit due to the length of inaccurate report provided to the agencies. 


Has violated my rights with fair credit reporting act. 

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. 


The fact that this charge off was simply updated and not deleted is a clear violation with the fair credit reporting act.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2021-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (VA)

RE : Navy Federal Account Number XXXX I am listed as an authorized user on an account with NFCU. ( Account number XXXX ) This account was owned by someone who is now deceased. As such I would like to be removed as an authorized user as I am not the responsible party.
Consumer complaint received 2019-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TN)

My mother died in XX/XX/2011. She had two mortgages with Ocwen loan servicing. The interest rate is outrageous, 12.5%. I have tried to refinance the mortgages but I can not because I was told it is under an Estate name. I paid off one mortgage. Sent in all documentation, the will, and the estate paperwork. I have sent in the paperwork every time I try to speak with this company about payment, refinance, everything, and each time they pretend like I don't have authorization. I had authorization when they wanted proof of insurance. I had authorization when they want their money. 

The company has since had a name change to PHH mortgage and they are no better. They are practicing the same underhanded mess as Ocwen. Please help me get rid of these people. If you can not get rid of them, please help me make them play fair.
Consumer complaint received 2019-10-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (DC)

Discovered my credit was in poor condition due to a collection agency named Fair Collections and Outsourcing demanding I pay almost {$8000.00} on behalf a apartment management company. I have no letters, emails or paperwork from this company. Just the limited information I found online when looking up my credit score.

Due to unsafe and dangerous living conditions in the apartment I was living in I had to move out of my apartment. When I first moved in I was not informed by management that the tenant was mentally unstable and actually needed a caretaker due to his mental illness.
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (WI)

Dates: Ongoing fraud since or about 3 1/2 years since FYXX/XX/XXXX to present XX/XX/XXXX. Account take over by company other 3rd party, & lowered credit transactions today XX/XX/XXXX without notification on reason & why the card was lowered.Specific issues: 1. Credit card taken over by 3rd party.2. Fraud on the card.3. Not allowed to access statements at all for 3 1/2 years.4. Failure to produce bank statements, resulting in late fees access due to not having the correct balance or payment amount per month for 3 1/2 years.5. Notification is rerouted to a 3rd party for 3 1/2 years to the so called "security department failing to explain each time why the call is rerouted to the so called "security department."8. I didn't received advertised interest rate & was not sent. 9.Trouble using your card (making purchases, credit limit reduced for no explained reason 10. Problem with a purchases never receive billing statement even though requested weeks ago, yet I am required to pay no matter what and I am going to stop payments after 3 1/2 years.. (billing dispute, fraud, transaction issue) 13. Problem when making payments 14. Problems with the terms & condition & lowered credit amount. 15. Problems with credit privacy issues someone has taken over the card from the best of my knowledge. 16. Problem with credit report or credit score for the above reasons.
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Experian fails to update a consumer installment loan that was paid off in full. I filed a dispute in early XX/XX/2019 and one month later they stated the account will remain on my credit report as 3 percent paid when I paid the loan off in full on XX/XX/2019.
Consumer complaint received 2019-10-24
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

To Whom It May Concern : Last year I obtained a home mortgage through XXXX which was financed by Bank of America. I qualified for the XXXX no down payment, no closing cost home loan. 
I closed on my home on XX/XX/XXXX. XXXX XXXX handled the closing for Bank of America and XXXX. Because of the XXXX program requirements I was not able to choose my own title company and had to use XXXX XXXX. 
On XX/XX/XXXX when I attempted to make my normal mortgage payment of {$1400.00}, I noticed online my payment went up to {$1600.00}. When I called Bank of America they told my escrow account was short. I immediately reached out to my real estate agent and asked her to review my documents to see if this was correct as I am a single father of XXXX and the increased payment is causing a hardship on my family. 
My real estate agent reached out to XXXX XXXX, they advised they did not collect enough escrow at closing ; however, upon further review by my agents title company it came to light that XXXX XXXX never escrowed for School Taxes. They only collected escrow for property taxes. When we reached out to the School Taxing authority for XXXX township they told us the School Tax bill was available in XXXX of XXXX. 
When my agent reviewed my escrow analysis she noticed after I closed on my home on XX/XX/XXXX, Bank of America disbursed {$3700.00} in school taxes in XX/XX/XXXX. At that point my escrow account when short but Bank of America did not notify me until XX/XX/XXXX. 
I find this despicable and abusive on Bank of America, XXXX, and XXXX XXXX. No one is trying to fix this mistake. I called Bank of America to file a complaint but they closed it out without resolving, then they told me to write a letter!? 
When my agent told XXXX XXXX they needed to correct this, they told her via email it was the Lenders fault for not escrowing. We have all of the communication in writing. 
This is causing an extreme financial hardship and I have no where else to turn.
Consumer complaint received 2023-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

2 XXXX  transaction on XX/XX/22 for {$300.00} each for fraud of product. Bank of america sent me text message for fraud alert after asking if it was fraud. I told them it was fraud and they still sent the money. Asked bank for refund and they didn't give me back the refund. Told me to talk to XXXX, went to talk to XXXX as well and they told me I need to talk to bank of america. Still won't give money back.
Consumer complaint received 2019-10-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (NY)

hello, On XX/XX/19 an call was placed to this agency for the debt that is on my credit report. this amount is wrong. Payments were paid to the previous agency and the converter boxes has been sent back. I was supposed to received at least {$200.00} credit for the boxes being sent back, seeing that the original debt was for service that has not been rendered. The cable service was to be paid a month a head of time every month. If not paid they will cut off your service. So bad enough I still have to pay for a bill on cable I didnt get the opportunity to watch but they are trying to make me pay for the boxes and for payments I already paid. They offered me a {$230.00} settlement that I declined, the balance they said that I owed was {$470.00}. I told them if they take in light that I did send the boxes back with they said was {$160.00} and deduct that from the {$470.00} and then offer me a settlement, I would be more inclined to take that offer so it can come off my credit report. but they declined
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC (VA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX AGREED TO REMOVE THIS DEBT FROM ALL CREDIT BUREAUS AGENCIES IF I PAID IN FULL WHICH I DID AND THEY DID NOT!