davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
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 Bum. 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.
Consumer complaint received 2022-07-17
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: EQUIFAX, INC. (PA)

I have 3 unauthorized inquiries on my XXXX Report. They are for XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX on XX/XX/XXXX. I contacted the credit bureau to dispute it but the unauthorized inquiries remain on my credit report.
Consumer complaint received 2022-06-07
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 (GA)

Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX Account # : XXXX XXXX XXXXAccount # : XXXX XXXX XXXX XXXX. Account # : XXXX XXXX XXXX XXXX XXXX. Account # : XXXX XXXX Account # : XXXX XXXX  Account # : XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX. Account # : XXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XX/XX/2016 I had several different accounts with Bank of America that were closed. When this happened Bank of America decided to report some of these accounts to XXXX XXXX XXXX. The problem is that some of the accounts being reported on XXXX XXXX XXXX does not belong to me. Bank of America has sent me correspondence that shows how many accounts I had with them and what those account numbers are, in total it was four accounts. I then ordered and received my XXXX XXXX XXXX Report and it had conflicting information on it that did not match the correspondence sent to me by Bank of America. According to the report, there are two account numbers being reported for me that are not present in the information sent to me by Bank of America. Therefore, I am asking for Bank of America to instruct XXXX XXXX XXXX to remove those two accounts off of my report.
Consumer complaint received 2022-07-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is fined {$220.00} XXXX for not doing the EDD jobless benefits during pandemic right by CFEB and OCC in XX/XX/2022. I happened to be one of the victims. In my case, BoAs call center was scammed by some fraudster ( s ) and the BoA agent changed my EDD BoA account email address without notifying me. This causes me to lose {$35000.00}. Although the lost fund is reimbursed, I had to spend at least 100 hours with BoA to resolve the problem. I am now seeking for a compensation of the damage caused by Bank Of Americas dereliction of duty and failure to perform a banks most basic obligation.
Consumer complaint received 2022-07-17
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 XXXX  XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # 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  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 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I Have Asked Equifax, XXXX XXXX XXXX to re-investigate the information on my credit report and I know the information is incorrect but they all reported back to me that they verified the information on my credit report. So I am here today to report information that has not been fixed and would like to remove all accounts and negative items on my credit report. 

1

5 U.S.C 1681i States that I have the right to ask for a Reinvestigation ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Consumer complaint received 2023-03-03
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. (OH)

I recently went to a car dealership and was unaware that I had 19 hard inquiries on my credit report until the salesman notified me. This was shocking and upsetting to me and I have been trying to resolve this for quite some time. These are the accounts listed below : XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-06-25
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TJC Mortgage, Inc. (TN)

On XX/XX/XXXX I contacted XXXX XXXX on XXXX XXXX in XXXX, XXXX  I gave the pertinent information to the application processer so that they could begin my file. The next day I spoke with XXXX XXXX XXXX ( NMLS XXXX ) who asked several questions and I once again explained my situation that I would be moving from XXXX, XXXX to XXXX, XXXX to take a new position with the XXXX XXXX. I was issued an award letter from the Department of Justice. XXXX stated she would need to see how long I had to be on the job before I could be approved and closed on the home. The next day ( XX/XX/XXXX ) I sent XXXX an email requesting an update. XXXX replied that I would need to have my first paystub before I could close, but that she was still waiting to hear back from the underwriter. I decided to follow up via phone on XX/XX/XXXX but did not get XXXX, so I also sent an email that day as well. I still have not received any correspondence from XXXX since XX/XX/XXXX. I contacted XXXX XXXX on XX/XX/XXXX to speak to her supervisor. I spoke to the supervisor and she basically reiterated that I would need to receive one paystub before I could close. I explained that if that were the case then my credit report should have not been pulled before they could have counseled me on the products and services they could offer. I asked her to submit a credit report correction and she stated she would need to contact corporate and would call me back on XX/XX/XXXX with the decision if they could do so. I have not heard from the supervisor and do not expect to at this point. Now, I have a hit on my credit report and they will not return my calls or emails to even get the process started. However, after seeing how poorly they have handled this situation I would not consider transacting any business with them.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Potentially Negative show tooltip button XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX/XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX/XXXX  XXXXDispute XXXX XXXXDispute XXXX/XXXXDispute XXXX   XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXX  all the above account were filed to the ftc
Consumer complaint received 2022-07-17
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. (NJ)

Pursuant to 15 USC 1681b ( a ) ( 2 ) I have given Transunion specific written instructions via certified mail for my consumer report. As I stated in my letter, this is not a dispute, but a demand. XXXX is in violation of my rights as a federally protected consumer. 

My federally protected consumer rights have been violated pursuant to : 15 USC 1681b ( a ) ( 2 ) - States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ). States I have the right to privacy.

15 U.S. Code 1681e ( b ) Sates a consumer reporting agency shall follow reasonable procedures to assure 100 % accuracy of the information concerning the individual about whom the report relates.

1681C ( a ) ( 5 ) - States that no consumer reporting agency may make any consumer report containing any adverse information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1666 ( b ) - States a creditor may not treat a payment on a credit account under any open end consumer credit plan late for any purpose.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I disputed a Public record Bankruptcy and the accounts included in the bankruptcy which are XXXX XXXX XXXX credit card account # XXXX, XXXX charge account # XXXX, and XXXX XXXX credit card account # XXXX. There was no proper reinvestigation done, nor was the requested proof of the investigation and verification given. I contacted the third party company and they provided proof that there was no bankruptcy in my file. 

Also, in accordance with the Fair Credit Reporting Act, these accounts have violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-17
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-06-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management (FL)

In XXXX of XXXX my XXXX doctor sent a referral to my XXXX to schedule two Free XXXX for me. One was an XXXX as follow up to a diagnosis I had earlier that year when I XXXX a XXXX XXXX  XXXX XXXX called XXXX. Due to my inability to tolerate almost all antibiotics, the standard regimen to treat that condition could not be used so my XXXX had to try another method with the hope that it would work. At the end of that treatment which was 14 days, they had to do a post test followed by the XXXX to be sure there were not adverse damage to my XXXX XXXX. The Second was my 5 year XXXX all of which was authorized and covered by my insurance 100 % Both procedures were completed at the same time in XXXX of XXXX. Shortly after I received a bill from the Facility where the procedure was done so I took it to my XXXX XXXX XXXX XXXX office and gave it to his office Manager XXXX. She called over to the billing office and made them aware that I should not have received a bill because both procedures were screenings and there should be no charge. I was sitting in her office when she made the call, she said its taken care of and I am good to go. Around XX/XX/2014 I received a letter from Fox collection stating I owe this bill. I told then no and that the billing office was made aware that the screenings were free. Fox collection reported me to the credit bureau. I have tried to dispute it several times but they refuse to remove it from my record. I recently went back to my XXXX  office and they gave me a copy of the order for me to send with this complaint. They also stated that if this does not work I should return and they would contact the billing people again to try and resolve it. Attached is a copy of what my doctor gave me to send with this complaint.
Consumer complaint received 2022-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Transunion and identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Transunion sent a letter stating this block was an error. It was not. Transunion has violated my consumer rights. According to 15 U.S. Code 1681i Transunion is supposed to delete the disputed items during a full and complete investigation. Transunion violated this federal law. Transunion is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Transunion to furnish anything on my consumer report. You also keep re-inserting " Resurgent Receivables '' on my consumer report without the proper notification according to federal law. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Transunion for willfully and knowingly violating my consumer rights if this is not rectified within 15 days.
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I pulled up my credit report on FREECREDITREPORT.COM.and it showed that I have a negative report on a old student loan. 

The student loan is dated in XXXX, and approximately owe {$2000.00}. I am unable to pull it up again because I have to pay for this report. Originally when I pulled it up in XXXX, it was free. 

The student loan is an error because I did not apply for a student loan in XXXX. I possibly had a student loan in XXXX, but that was 8 years ago. I would like the credit report to update and remove this old loan that is over 7 years old and no longer valid.
Consumer complaint received 2020-06-25
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. (IL)

I had 4 loans that was in default and showed as default with the US Department of Education on all 3 credit bureaus ( XXXX, XXXX, Transunion ). Please note that these loans was consolidated into one loan with XXXX XXXX, under account number XXXX.
Consumer complaint received 2023-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Finance System of Richmond, Inc. (IN)

After vacating the rental property, the landlord sent me an itemized list of damages. I disputed the damages within 30 days by certified mail. I received no response from her but received a collection letter from Finance Systems , Inc. I disputed the debt using the website listed on the letter, but did not hear from them regarding the dispute. When they called me in attempt to collect the debt I reminded them that I have already disputed it. After not hearing about from them for several months, I called to check on my account. They responded that they have no record of me filing any disputes and to check my emails for a confirmation. I do not have any confirmation in my inbox or junk mail. Because an email is required on the electronic dispute form, I sent a test dispute and still have not received anything. 

The only verification of debts they have from my landlord is an itemized statement. When I told them this seems like a matter for small claims court so that she can present proof of damage and receipts of repairs paid, I was informed by XXXX with Finance System , Inc. that this is what the collections company handles.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX  reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.