davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a factXXXX XXXX XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.
Consumer complaint received 2020-07-08
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)

I HAVE NO IDEA HOW THIS ACCOUNT GOT ON MY CREDIT. SOMEONE IS USING MY IDENTITY. THE CREDTI BUREUAS ARE FURTHER VICTIMIZING ME BY REPORTING THESE FRAUD ACCOUNTS. I HAVE NO IDEA WHERE THESE INQUIRIES COME FROM. THEY ARE NOT MINE AND SHOULD NOT BE ON M Y CREDIT.
Consumer complaint received 2022-07-28
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)

I accordance with the Fair Credit Reporting act XXXX the following Account numbers have violated my rights : XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX U.S. Department of Education - Account # XXXX DEPT OF ED / XXXX  - Account # XXXX XXXX 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.
Consumer complaint received 2022-07-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc. (MO)

Santander Consumer is a debt collections Agencie that is illegally and inaccurately Reporting on my credit report i have disputed this account 2x with the reporting agencies and they have not investigated this matter properly and effetely this collection Agencie is reporting on my credit report without proper protocol I have not been notified of any debt with this company I do not have any contract with this company the account is closed and charged off this account has already had a tax break on the account with the original creditor this account is pass the statute of limitation to be appearing on my credit report I have taken legal action in this matter this account is in violation code 15 u.s.c. 1681 and Violation code 15 U.S.C 1692 this account has been reporting that it has a pass due amount and also reporting as a revolving account meaning the account is still active and that is false and misrepresentation I also have no validation of this debt with this company I am requesting this account be removed from my account immediately or me and my attorney with move forward in legal action for punitive Damages and Negligent actions
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NJ)

i have received a credit monitoring alert and identity theft alert from Experian. when trying to log in to their web site i found out that my password has changed and the phone number that thet are using as method of authentication is not mine. tried to call their contact center to ask for help BUT there is no way to speak with an agent - only automatic system that provide information and can not help with this problem. 
the number i used is the number advertised on their wed site as the number to call when customer are facing such an issue
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion is reporting inaccurate and unauthorized inquiries on my credit report. I have called and contacted Transunion multiple times by fax, email, US Mail, and telephone. The Transunion rep told me that the inquiries would only be there for two years which is not a long time in her opinion
Consumer complaint received 2023-03-21
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. (GA)

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. 


Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights

. Or 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 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 2022-07-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

IT IS BROUGHT TO MY INTENTION THAT MY VA LOAN WAS CHANGED TO A CONVENTIONAL AFTER IT CLOSED IN XXXX. A CONVENTIONAL LOAN WAS ADDED TO MY LOAN IN XXXX OF {$28000.00} SOMEWHERE IN THAT BALLPARK. THEN IN XXXX, A LOAN WAS ADDED OF {$30000.00} BY THE OWNER OF MY HOME IN XXXX I DID A BACKGROUND CHECK, AND SURE ENOUGH, HE TOOK OUT A LOAN IN XXXX. I SENT DOCUMENTS TO TRUIST AND TO CFPB. VA DO NOT DO CONVENTIONAL LOAN OR INTEREST-ONLY. I HAVE SENT DOCUMENTS SHOWING THAT I HAVE PAID 3 TIMES AS MUCH IN INTEREST NONE IN PRINCIPAL. I CAN NOT SEND DOCUMENTS FROM THIS SITE. BUT HOW CAN THE GUY I PURCHASED MY HOME FROM STILL TAKE OUT LOANS ON MY PROPERTY? HE TOOK OUT SOME EQUITY {$28000.00} AND I WAS UNDERWATER IN XXXX WITH NO EQUITY. AND CHARGE IT TO MY PRINCIPAL. I HAVE SENT SUPPORTING DOCUMENTS.
Consumer complaint received 2021-08-22
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, It all happened on XX/XX/2019, I was buying and selling bitcoins via XXXX, the bank where I was getting paid every time I sell the XXXX  was a debit card ( Capital one 360 ) but they paid me via XXXX to that account. after like a week of selling I found that my account was block and the money in that account was freeze, I called the bank to find out what was going on and they said that I will get a call from the fraud department. 

After two days they call me and ask some questions about the account I couldn't hear pretty well because I was working, It was loud where I was located. I decided to called them back after and that is when they told me that some folk dispute some money that I got via XXXX. 

I explain them that it was a payment from XXXX  that I sell to him they just didn't hear me at treat me like fraud, I told them I had proof and everything to show them that I was not a fraud and that my money was getting stole, they just did not hear me and decided to send the money back at least that's what they said to me. 

I found out they report me to the Credit bureaus and I just didn't know what to do at the time until know, please help me with this matter I still have proof and everything you may need to show that I am not fraud, they took my money when I really need it in that moment, They just did not protect me and pretty much help the thieves get my money.
Consumer complaint received 2019-09-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

My consumer credit report has a collection trade-line from Midland Funding in the amount of {$740.00} and the original creditor is entered as XXXX XXXX XXXX. I've requested debt validation several times through the 3 major credit bureaus just to receive notification that the debt was verified by Midland Funding but no verification documents, as requested, were provided. A press release in XX/XX/2018 filed by The Attorney General of the state in which I reside, Pennsylvania, filed suit against Encore Capital Group , Inc. and its subsidiaries Midland Credit Management , Inc. and Midland Funding, LLC, which collectively form one of the nations largest debt buyers,. A settlement was reached and resolves the states investigation into Midlands collection and litigation practices. The agreement settles claims that Midland signed and filed affidavits in state courts in large volumes without verifying the information printed in them, a practice commonly called robo-signing. Proper verification as described in the press release are, " the amount of the debt, proof of an agreement, and an explanation as to why any additional fees are justified. In addition, " if a consumer disputes a debt Midland is attempting to collect, the settlement requires Midland to review original account documents before it continues its collection efforts and Midland must provide these substantiating documents to the consumer free of charge. Joining Pennsylvania in the settlement were Attorneys General from Alaska, Alabama, Arizona, Arkansas, Colorado, Connecticut, Delaware, the District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maine, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, Virginia, Washington, Wisconsin, and Wyoming. I am requesting such debt validation as I dispute the validity of the debt.
Consumer complaint received 2024-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2022-07-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

We are closing with bank of America. The loan officer is incompetent and went on vacation without notice. We touched base with the supervisor, who is out of the office. The underwriter suffers from memory skills ( we went over the same documents over and over again. ) We already experience one week in delay. Bank of America is not considering our issues and does not respond thoroughly. 
Everyday is a new problem. We are first time home buyers, college educated people, who refused to be a part of corporate failure. 
Please assist.
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

Hi, My original Chase XXXX credit card has been automatically migrated to XXXX XXXX  XXXX XXXX on XX/XX/XXXX. 

The new XXXXXXXX XXXX XXXXXXXX XXXX has a benefit of spending XXXX to get a XXXX free night certificate within anniversary year. I have already spent {$14000.00} on XX/XX/XXXX and {$220.00} on XX/XX/XXXX which exceeds XXXX spending requirement. 

I thought the anniversary year for the XXXX XXXX XXXXXXXX credit card should be on XX/XX/XXXX because I am having this new card on XX/XX/XXXX. As my understanding, I should be able to get a free night certificate if I spend XXXX from XX/XX/XXXX to XX/XX/XXXX. 

However, Chase says that my anniversary year is XX/XX/XXXX and I need to spend XXXX from XX/XX/XXXX to XX/XX/XXXX to get a free night certificate and I can get another free night certificate from XX/XX/XXXX to XX/XX/XXXX if I met the spending requirement. 

The wording is so confusing to me and Chase induces me to spend XXXX and not issue the certificate.
Consumer complaint received 2022-07-28
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. (MD)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-30
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)

Name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/2022 I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 
But can you please answer this one question. How did you investigate these accounts? 
Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you supposed to investigative my consumer report Did you interview my neighbors? 
Did you interview my friends? 
How did you talk to? 
One more thing can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same information. 

How did you talk to? 
One more thing can you please tell me how everything is 100 % accurate if the date open, date last active on these accounts are not reporting the same Information. 
You have violated multiple laws below : 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i I demand you delete the accounts from my credit report, I listed below : XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report XXXX. The following information is incorrect XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following information is incorrect XXXX XXXX XXXX Account Number : XXXX Please update all late payment, all late payment was made on time XXXX. The following information is incorrect XXXX XXXX XXXX Account Number : XXXX Please update all late payment, all late payment was made on time XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX BANK Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

19. Validate Account XXXX XXXX BANK XXXX Account Number : XXXX Please remove it from my credit report. 
20. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
21. The following information is incorrect XXXX XXXX XXXX Account Number : XXXX Please update all late payment, all late payment was made on time XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX : XXXX
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC (KY)

Fraudulent bank accounts from Bank of XXXX, XXXX, XXXX BANK. XXXX XXXX XXXX XXXX Attn : Consumer Relations XXXX XXXX XXXX XXXX XXXX MN XXXX am writing to request an investigation of the following information that appears on my XXXX System consumer report which is fraudulent. 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. Items listed above. have violated my rights. 15 US.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 ( AN ( 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.I have NEVER opened or used the following account numbers, please remove all information below : Contributor : BANK OF XXXX XXXX XXXX ***, XXXX XXXX XXXX XXXX FL XXXX XXXX Contribution Reason : Checking Account Fraud Bank Routing # : XXXX Account # : XXXX Fraudulent Inquiries below : XXXX XXXX XXXX BANK OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my XXXX Systems report immediately! Ive attached a copy of the report to this request. Thank you for your assistance. Sincerely, ". am not willing to prosecute
Consumer complaint received 2022-05-03
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : 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 2022-07-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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.