davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
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: EQUIFAX, INC. (MS)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Account name : XXXX Account number : XXXX Account name : U.S. DEPARTMENT OF EDUCATION Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : 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 XXXX Account number : XXXX Account name : XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2022-07-04
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 XXXX 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.
Consumer complaint received 2021-01-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have two checking and one savings account with Capital One bank. 

Back in XXXX, Capital One converted their accounts. 

After the conversion I was able to access all three of my backing statements, cleared checks etc. up to XXXX, Now comes XXXX of XXXX and I CAN NOT access any of my statements or cleared checks from XX/XX/XXXX and back. 

Here we are in the tax season and I am attempting to gather statements etc. for my records and support for my XXXX Income Tax Returns, This can not be! 

I requested hard copies of statements from XX/XX/XXXX to XX/XX/XXXX, but that is insufficient, in case my accountant or the IRS needs support. I need, along with other Capital One Customers, access to our statements and other documentation. 

Below is the link to my accounts, just as a FYI. 

https : //verified.capitalone.com/auth/signin In addition, my statements etc. are also unavailable using their APP. 

Thank you in advance for your help, XXXX XXXX
Consumer complaint received 2021-01-21
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: AMERICAN EXPRESS COMPANY (VA)

2 ) American express reported it back on my credit as Charge off in XX/XX/XXXX? The account was closed on XX/XX/XXXX of XXXX. 9 years way past Statue of limitation again in the State of VA! 
3 ) Damages to my Credit that is causing higher interest rates, declined on credit, I am seeking {$2000.00} per year for the past 11 years of XX/XX/XXXX I am expecting this to be taking off my credit IMMEDIATELY as well as a check for damages. 
4 ) Once again here is the proof of police records and my credit where American Express reopen 5 ) When American express tried to take me to collections back in XX/XX/XXXX of I asked them to validate my once again I sent them the police report! Not only American express can not Validate my debt! They send me other personal information of XXXX XXXX XXXX, XXXX XXXX, and a court case? 
I expect an IMMEDIATLEY ACTION of this off my credit report and a Check of {$22000.00} payable. This is outrageous and I am very furious about this!
Consumer complaint received 2022-07-04
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-04
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: Radius Global Solutions LLC (PA)

In accordance with the Fair Credit Reporting act Radius Global Solution Acct # 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 2022-10-31
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. (MA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

I submitted an application to Amerisave to get a preapproval for a home purchase. I have been working the past few years to improve my credit score and finances after some prior medical issues caused a bankruptcy and foreclosure. The loan officer ran credit and went through the process to verify income and said my credit score was fine and income was instantly verified online so I was quickly preapproved. I questioned to make sure the BK and foreclosure were not a problem as I didn't want to run into issues with the purchase. He assured me we were good to go and provided a preapproval letter along with a {$1500.00} closing guarantee and at that time I paid the {$500.00} application fee to lock in the rate. I was able to get under contract on a house with this preapproval letter and paid {$250.00} option fees and {$2900.00} in earnest money. I also paid {$650.00} for a home inspection. Everything was proceeding smoothly until 10 days prior to closing when I got a call from the loan officer to let me know that they can not proceed with the loan because of the foreclosure. He claimed that he didn't know it was going to be a problem and there is nothing he can do. He said he would look into getting me a refund for the {$500.00} fee and I asked about the {$1500.00} guarantee as well. At this point he stopped responding to my calls and emails. After several attempts I called the main customer service number and was able to get a call back from his manager XXXX XXXX who agreed to get me the {$500.00} back but couldn't help me with the {$1500.00} claim since they didn't know about the foreclosure and that " there was no way for them to know that up front ''. This doesn't make sense since I told them and was clear up front about the situation. He wasn't able to help so he referred me to the VP of sales XXXX XXXX. XXXX was no help either saying he doesn't have the authority to pay that but would have customer service look into it. I waited another two weeks and didn't hear back so I called customer service again and they referred me back to XXXX who again said it wasn't their fault they didn't know although I clearly told them up front. He said he would have XXXX call me but I haven't heard from him. 
This whole process has been so frustrating and embarrassing, I got my family ready to move only to have to change plans at the last minute. I had already set up utilities, school enrollment for the kids, started packing up our current home and booked movers. I lost out on the {$250.00} option fee and {$650.00} inspection cost as a result of their mistake of providing me with a preapproval and false hopes and now are not standing behind their guarantee.
Consumer complaint received 2022-10-13
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. (MS)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX 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 Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/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 2020-07-03
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: NAVY FEDERAL CREDIT UNION (OH)

contacted company many times to fix the issue the just continue to lie about it. They continue to tell me they are sending it to corp office but I never get a call I've called multiple times but nothing has been resolved as of yet and they are attempting to resolve the issue I am the victim of identity theft. My ATM/Debit card was lost or stolen on. I did not authorize any transactions on or after this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

I am notifying you, pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost [ or stolen ] ATM/Debit Card [ or unauthorized transaction ]. See especially 12 C.F.R. 205.6, 205.11. I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : {$580.00}
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: First Advantage LNS Inc. (TX)

In 2020 the Cares act protected us from eviction due to Covid. The apartments that i was living in at the time called XXXXXXXX XXXX XXXX still locked me out and evicted me through that and since they filed an eviction, i am now dealing with the negative report on my credit. I have disputed it but now i have been homeless for a while and the eviction is making it impossible to find somewhere.
Consumer complaint received 2022-12-08
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)

Hard inqueries not recognized/authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-15
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. (TX)

Texas XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing Ally Financial Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New XXXX XXXXXXXX Inquiry from XXXXXXXX XXXXXXXX, XXXX + XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX XXXX, XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXXXXXX XXXX - XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXXXXXX XXXX XXXX XXXX. 
XXXX - XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX  XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXXXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks all ftc violations sent to them 60 days ago
Consumer complaint received 2020-07-15
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)

A couple of months ago. I contacted XXXX XXXX  XXXX company and I paid the bill in full for my XXXX XXXX XXXX XXXX Account. I have contacted Equifax 2 times and they have stated that the information is valid and that the account has been unpaid and they continue to document this inaccurate information. I have sent documentation of the status of the account being paid off. Please help me fix getting this removed.
Consumer complaint received 2021-01-21
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. (SC)

My Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 

FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE
Consumer complaint received 2021-01-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX XXXX purposefully held my account longer than 120 days before it was sold off. They kept my account and reported negatively for THREE YEARS before they charged it off. 

Generally its supposed to be 120 days. By delaying the charge off, they unnecessarily caused more damage to my credit than was necessary. On some level, it feels like it was personal. 

To wait that long, knowing I was fresh out of school. Knowing I was looking for work. Knowing I had difficulties and to pile on with a charge off and then sell the debt 3 years later to extend the damage they, and their business agent Portfolio Recovery Associates could do to my credit history. 

I am never, ever, going to pay 3 times to two different entities regarding the same transaction. 

There is no way this is okay. It feels like a Pre Obama era attempt to get low income minorities to falter on their debts. A consistent issues with XXXX XXXX and other banking institutions. 

I am not going to pay XXXX XXXX for that card again. I already have another card. With them. The payment history is immaculate. 

Portfolio Recovery Associates should inspect each debt they acquire. Before committing fraudulent, or at least malicious actions, to ruin my credit and ruin my chance to get the most out of my law degree. 

They should be ashamed of themselves for such sneaky and underhanded collection tactics.
Consumer complaint received 2022-06-24
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. (CA)

My name is XXXX  XXXX and I have recently been a victim of identity theft. Someone stole and fraudulently applied for lines of credit with credit grantors without me knowing. the following accounts are a result of the identity theft. 
XXXX Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$0.00} US DEPT OF EDXXXX XXXX XX/XX/XXXX XXXX {$210000.00} US DEPT OF EDXXXX Opened XX/XX/XXXX XXXX {$240000.00}.
Consumer complaint received 2021-07-27
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. (MI)

Transunion is violating my rights. I made them aware of fraudulent inquiries and they refuse to investigate/delete them. I have contacted the businesses who fraudulently accessed my credit report. I filed a FTC identity theft complain. These inquiries should be removed immediately. Called 20 times in last 30 days. Attached is a photo of all fraudulent inquiries on my account.
Consumer complaint received 2021-01-21
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. (OR)

XXXX XXXX XXXX loans should be deferred due to unemployment and COVI-19. XXXX continues to report inaccurate information. I have been ignored and my concerns have not been addressed. I asked for unemployed or no income-based repayment. Nothing has occurred