davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX accounts Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  NA Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX NA Date : XX/XX/XXXX Account Name : XXXX XXXX XXXXE XXXX : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX  BA Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX accounts Account Name XXXX XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Account Name XXXX XXXX ACCOUNT S Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Date : XX/XX/XXXX TransUnion accounts Account Name : XXXX Date : XX/XX/XXXX Account Name : CXXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX Date XXXX XX/XX/XXXX Account Name : XXXX Date XXXX XX/XX/XXXX Account Name : XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX 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 XXXX 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 2023-03-02
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: EQUIFAX, INC. (OH)

After reviewing my credit report I noticed and account that shouldn't be reporting inaccurately on my credit report by the following companies : XXXX, Equifax, XXXX. 
XXXX XXXX  ( original creditor XXXX XXXX ) XX/XX/2022 {$0.00} balance
Consumer complaint received 2022-09-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (IL)

According to XXXX XXXX their company stated they received an application on XX/XX/XXXX, and allegedly opened an account on XX/XX/XXXX. I do not understand how an alleged account can be opened prior to an application date. Attached in Exhibit A, XXXX XXXX has provided me with inconsistent dates regarding alleged account ending in XXXX. XXXX XXXX was also unable to validate this alleged debt with the monthly statements that were mailed to me. 

This is complaint is regarding the alleged consumer credit transaction entered with your company dated XX/XX/XXXX ( See attached ) and I extended your organization the credit for the account number ending XXXX. 

I hereby give your company notice pursuant to 15 USC 1602 ( k ) that your company never provided adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit practices.

From your end, I have not benefitted from this transaction which is again violation of 15 USC 1602 ( p ). 

XXXX XXXX has federally violated my rights as a federally protected consumer. They did not give adequate notice in regards to the above referenced account, and I made an uninformed decision and I did not understand the agreement, it was NOT clear and conscious. XXXX XXXX and Experian delete this account immediately or I will pursue legal action.
Consumer complaint received 2022-09-19
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. (CA)

In accordance with The Fair Credit Reporting Act XXXX  account at 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 602A states I have the right to privacy. 15 u.s.c 1681 section 604A section 2 it also States a consumer reporting agency can not furnish a account without my written instructions I did not give no one on my credit report running instructions to put it on there
Consumer complaint received 2022-09-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: World Acceptance Corporation (TX)

On XXXX XXXX 2022 I applied for a loan with world finance in XXXX Texas, I was approved for XXXX With 13 monthly payments of XXXX, First payment due XX/XX/XXXX. The first payment was made, I contacted world finance to get a payoff amount and was provided a figure of XXXX. I asked Why the amount increased I was informed that the ttl payoff amount would be XXXX. But since I made one payment the payoff amount is XXXX, but since I'm paying off early the amount is XXXX as interest is accused daily on the payoff amount and not the amount I received. 

This doesn't seem right. How can you charge interest on an amount that I didn't receive
Consumer complaint received 2022-09-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: U.S. BANCORP (IL)

XXXX is the original complaint but they didnt accurately resolve it. they said the reason the loan was denied at the end is because they didnt know what the car i was buying until i got the info from the dealer when the car came in. this is not true though, i told them several times what car i was buying and they knew the year, make, model and trim. that is how they knew the total loan amount was XXXX. XXXX for the car and XXXX for the inquity. they have some vaguely worded disclaimer on the approval email they sent me ( they approved me verbally multiple times too ) that neither i nor the dealer understood what it meant.
Consumer complaint received 2022-09-19
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. (TX)

I have called Experian and XXXX multiple times, to advise them that my information is floating around on the black web. I also advise them that the inquires on my account are not initiated by me and someone else is using my information, without my permission. I have already called the non-emergency line for the police department, which they advise me there is really nothing they can do. I told each rep from the credit reporting agencies to provide me with a wet signature to show proof that these inquiries are mine, there has been no credit under those inquires attached to my account. Both rep for each credit reporting agency only kept transferring me to different departments, no one could provide me with what I was looking for or proof that it was actually me that applied for these items. I am requesting Experian and XXXX to provide me with competent evidence that these inquiries were in fact authorize with a bearing wet signature for permissible business purpose. All of the inquires on my account from Experian and XXXX must be deleted from my credit report immediately. Delete all the misleading information and unauthorized inquires on my credit report. This is way fraud has been placed on my credit report, even though it does not help or stop the use.
Consumer complaint received 2022-09-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


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 Bankruptcy Case Number : XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-19
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I tried to rent an apartment and I was rejected because the report says that I am a XXXX XXXXXXXX. Somehow in Colorado. But I am not a XXXX XXXXXXXX. I have been in trouble for XXXX XXXX  but that is all. Why is Experian telling my potential thati am a XXXX XXXX. And putting this on my credit report? I am going to sue. Whoever had a hand in this false information. They told to his to the XXXXXXXX XXXX XXXX XXXX  : my potential landlords. I want to know who put up the false information about me.
Consumer complaint received 2022-09-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX Balance : {$3100.00} XXXX  XXXX XXXXBalance : {$440.00} XXXX XXXXBalance : {$0.00} XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Consumer complaint received 2022-09-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that Bank of America with a last reported balance of $ {$2300.00} be removed from my credit report as at the time, I was only a young, oblivious authorized/joint user who was added to this account.

It appears that the primary account holder, my older brother may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user. Thus, I am humbly asking that you please stop reporting and remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. Thank you
Consumer complaint received 2022-09-28
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: EQUIFAX, INC. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX  XXXX, XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX  XXXX Date Opened XX/XX/2018 Balance : {$530.00}
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

I have submitted a fraud claim with my bank TD, my card was lost and was used all my money until leave XXXX dollars on my account. 
I noticed when I logged in onto my online banking and saw a negative balance of XXXX I locked the card, requested a new one and call the bank to report the fraud. 
they gave provisional credit and after a couple of weeks the claim was denied because " the card was not used after '', situation that is obvious if they tried to make more purchases without positive balance, those transactions must be denied so thats why they didnt keep using it
Consumer complaint received 2022-09-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (TX)

This debt that they are constantly calling about is not my debt. I reported this to the credit bureaus as well and they placed a charge off on my credit report and then repeatedly call and harass me. I have blocked their calls and requested they stop yet they continue. I want them to stop immediately as they have already taken fraudulent action by placing a charge off on my credit report. The company is called Southwest Credit and they call from various states and numbers and I block them all
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2022-09-28
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: Experian Information Solutions Inc. (MI)

In Accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. 
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 DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPTED/XXXX XXXX DPTED/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 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 ) Sections 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 2022-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (NC)

Most recently Home Point Financial sent my homeowners insurance payment late causing my policy to be cancelled. But this is just the most recent delinquent actions they have taken with the serving of this loan. 

The previous event occurred when Home Point Financial has incorrectly reported to XXXX late on my mortgage payment. The events that are date stamped below can be proven by canceled checks and bank statements. 

NO PAYMENT WAS EVER 30 DAYS LATE. The only acceptable resolution is a correction to my credit report and a refund of every late fee ever charged to me. 

I always pay my mortgage about 15 days ahead of time. 


The problem really begins and stems from the incorrect processing of payment on XX/XX/XXXX. 

XX/XX/XXXX, XXXX I made a payment intended to be my XXXX payment. Your processing center incorrectly applied this payment to principle. Which has caused all other " early '' payments to appear late. 

XX/XX/XXXX, XXXX My bank sent out a payment that was the amount of the loan prior to the escrow adjustment XXXX. 

XX/XX/2022 -After realizing the bank has done this short pay I immediately send out a check for the difference of XXXX. Please see attached documentation ( Check # XXXX ). This check is clearly received and deposited by Home point. 

XX/XX/XXXX, XXXX Home Point Financial reports to XXXX that I am 30 days late. My almost perfect credit score of XXXX drops over 60 points to the low XXXX. 

XX/XX/XXXX, XXXX You assess a late charge XX/XX/XXXX, XXXX I make a payment of XXXX XX/XX/XXXX, XXXX You XXXX another late charge of XXXX XX/XX/XXXX, XXXX I make the 3rd payment of XXXX Home Point misapplied my payment on XX/XX/XXXX to the principal causing this entire situation. I have now paid late fees ( when I wasn't late ). You have caused my credit to drop from " excellent '' to " good. '' And I have now made my XXXX mortgage payment 2-3 times? 


Please see all the supporting documentation including canceled checks and bank statements. I have never in my life been late on a mortgage payment. You have created a terrible mess by misapplying the payment on XX/XX/XXXX to principle. I need this situation fixed immediately. I want every late fee ever charged to be refunded and most of all I WANT MY CREDIT REPORT FIXED!
Consumer complaint received 2022-09-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}