davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NV)

I have ordered my report from Clarity, and I notice a company on my account from XXXX and I have no knowledge of this account at all.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/information below : XXXX  XXXX
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: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting act Equifax is reporting inquiries I never authorized : XXXX XXXX, XXXX XXXX, and EQUIFAX MORTGAGE SER ( XXXX ), and 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 2022-08-08
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. (SC)

To whom it may concern I have not been checking my credit. Recently as an account with your name addresses a different Social Security numbers. The following are fraud accounts name addresses thats on my credit report. Accounts : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX SC XXXX Phone numbers : XXXX
Consumer complaint received 2022-08-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (GA)

I entered into a forbearance agreement with Caliber Home Loans at the beginning of Covid. I am a loan officer and worked on commission which was dramatically reduced during Covid. In XXXX of XXXX I was offered a modification plan to repay the amount that was deferred in during Covid. I faxed the agreement back in XXXX and then called the company and they verified that they had received it. I thought everything was fine, each time I called I was told that my loan file was still in Underwriting, and to continue making the agreed upon mortgage payment- which I have since XXXX. In XXXX I get a call from the mortgage company saying that the fax was not accepted, but the forms must be mailed. I mailed the forms in regular mail, call back and they said they did not get them and now my loan was in forclosure. I spoke to a supervisor XXXX in XXXX who told me that she would escaalate my file since I had made all of my payments and while I shoiuld have mailed the forms instead of faxing them, the comppany was at fault as well for not telling me that was unacceptable. She told me it could take up to 3 weeks for a decision..I called back XXXX and told that XXXX would fax the forms to me and once received the foreclosure would be reversed. I sent the forms overnight XX/XX/XXXX and it has been recieved and signed for, but today I call they say I am still in foreclosure and the package has not been received or entered into the system. Please help me make them honor their word, now everytime I call they tell me I am in foreclosure when I have not missed a payment since the agreement was signed, whether it was faxed or mailed they know that I accepted the agreement and followed up with monthly payments.
Consumer complaint received 2022-07-05
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. (IL)

( In accordance with the Fair Credit Reporting act the following companies have violated my rights. ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT # XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT # XXXX ) ( 15 U.S.C 1681 section 602 A. States I hape 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 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Despite several complaints, Bank of America continues to report my closed credit card account with them as previously delinquent and currently 90 days delinquent. This account has been closed and paid satisfactorily. Bank of America and the credit reporting agencies have refused to correct the account upon complaint. My credit score has dropped as a result.
Consumer complaint received 2023-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error I Recently checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The DEPT OF EDXXXX 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the DEPT OF EDXXXX 's on a statement. 

As i know the creditor did not notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

The account was paid as agreed and closed. There were not late payments, nor was I notified of payments being late 21 days prior to the account being placed in collection. 

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, I have already involved and sent this letter to the Complaint portal for ( State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ). 
Sincerely, XXXX XXXX
Consumer complaint received 2022-08-08
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)

N accordance with the fair Credit Reporting act XXXX Account. The accounts below 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX {$440.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXX  {$1400.00} XX/XX/XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX additional reporting multiple times XXXX XXXX {$3800.00} XX/XX/XXXX XXXXXXXX XXXX  {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-08-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CO)

Near the end of my lease with Infiniti Financial Services ( XXXX ) I traded my vehicle to a XXXX dealership where I leased my new vehicle. 3 weeks later I checked to see if the Infiniti lease had been paid off by the dealer and was informed that XXXX had returned the check and would not allow the vehicle to be purchased by a third party dealer. I was told to contact the XXXX dealer and figure it out with them.
Consumer complaint received 2022-08-09
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX  XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  XXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXXXXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2020-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (AZ)

In the crash of 2008, XXXX XXXX wrote off my credit card debt while I was in Chapter XXXX. A few months ago, I started getting letters from Resurgent Capital Services L.P., XXXX XXXX XXXX, XXXX MI XXXX. They use XXXX XXXX XXXX XXXX SC, XXXX as an address. XXXX. Resurgent " manages the above referenced account for PYOD LLC. Not only did XXXX write off the debt, but collection of the debt is time barred by Arizona 's statutes of limitation. I believe Resurgent/ PYOD is attempting to collect debt from numerous parties all over the United States , preying upon the ignorance of debtors who debt was discharged or no longer collectible. Resurgent dupes the debtor into acknowledging the debt to reinstate it by fraud.
Consumer complaint received 2022-08-09
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)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-04-14
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: EQUIFAX, INC. (MS)

To XXXX XXXX, Equifax To Whom it may concern my name is XXXX XXXX. I am the person who is filing this complaint on my behalf. On XXXX I sent a letter regarding inaccurate and unknown things on credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being taken advantage of and being ignored of 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 credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My Information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-24
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX - XXXX, XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.
Consumer complaint received 2022-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (NV)

on Monday XX/XX/2022. I XXXX XXXX contacted them to let them know the account REPORTED is not mine. I ask them why they are still reporting XXXX and XXXX when XXXX deleted and remove my credit report, WHICH I HAVE DOCUMENTS TO APPROVE!. I was giving a sum of {$190.00} of debt owe over the phone. When its reported {$900.00} on credit report via XXXX XXXX XXXX. Under 15 USC 1681 section 602 A, states I have a right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. THERE ARE IN VIOLATION OF COSUMERER LAW AND PUBLIC LAW.
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (WI)

I went to the bank on XX/XX/2022 to ask for a void check to take to my work to use direct deposit ... and the employee gave me someone else 's void check... I don't know how that happened and why I gave him my driver 's license... this happened at the US Bank branch at this address : XXXX XXXX XXXX XXXX XXXX, WI XXXX. I became aware of this situation because this weekend I received a check stub with other direction
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (PA)

Credit company " PNC Bank '' is reporting late payments on all 3 credit bureaus. 
dates : XXXX and XXXX year:XXXX. I did not give permission or consent for " PNC Bank '' to give a third party, which is the " Credit Bureaus " authorization to report late payments. I have never had the opportunity to Opt Out of any information being disclosed to a third party. Clearly this is a violation and this is hurting my credit score.

( Action ) The action that was taking was me send a dispute letter to the company ( PNC Bank ) and this.

pursuant to 15 usc 1681 ( 2 ) ( A ) ( i ) states : report containing information solely as to transactions or experiences between the consumer and the person making the report ; So that means any transaction between the consumer, which is I, XXXX XXXX and the " person '' which is the creditor, " PNC Bank ''. 

Pursuant to 15 usc 6802 ( b ) ( 1 ) ( A ) states : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2023-03-19
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. (CT)

I reviewed my consumer reports be noticed that i have multiple late payments on an account that i was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX [ # XXXX ] Please investigate and proved Proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.
Consumer complaint received 2023-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (TX)

On XX/XX/23 I sent a letter requesting the mortgage company pay a tax bill of {$2400.00}. I submitted a coupon for ONE tax bill of this exact amount to the mortgage company. I had some money in escrow and wanted to apply the funds to that ONE bill as I mentioned on the phone. 

I received a call to confirm, I said yes. On XX/XX/23 Arvest bank made a payment of {$6600.00}. 

My mortgage has now increased over {$1000.00} a month. The other taxes were not yet due and I did not request this payment. This has caused significant financial strain. 

The representatives listened to the calls and admitted this was an error but the Mortgage company has yet to offer solutions to assist or to help.
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXXL XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX - XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX credit report TransUnion credit report . Show these inquiries was not approved by myself XXXX XXXX XXXX XXXX all rights reserved a living man. Credit pull happened without my knowledge. I have submitted in writing letters and FTC report and have contacted each creditor separately which I was told they do not hold and information on me that shows requested inquiries.
Consumer complaint received 2022-08-09
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. (IN)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX and XXXX Accounts 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 2022-08-09
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)

To whom it may concern I have not been checking my credit. Recently as an account with your name addresses a different Social Security numbers. The following are fraud accounts name addresses thats on my credit report. Accounts : XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : 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 Phone numbers : XXXX
Consumer complaint received 2022-08-08
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 — Problem with personal statement of dispute
Company: SLM CORPORATION (NJ)

University XXXX XXXX XXXX in XXXX CA invites me back as a student and I am in need of a loan for apporoximately 3 grand and can not get accepted into one i am assuming because mom wasn't able to pay back parent loan on time at all times however now that i am back from my bad period of time, even then everything was payed back on time so therefore i SHOULD be able to get accepted into one. Could you please let me know which one and how to get it please? My credit is good. No worries.
Consumer complaint received 2023-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans Union is reporting XXXX  fraudulent inquiries. I did not apply for credit with XXXX XXXX  and its being listed on my report. Please remove the following fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX