davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am trying to get a freeze letter payoff from Bank of America to purchase my new home. They are holding me up and I am in jeopardy of being sued called the bank manager and I get a run around, I can be sued if I breach on my new home with this payoff letter please help
Consumer complaint received 2024-11-04
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. (IL)

To Whom It May Concern, The incorrect items listed below appear on my credit report. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 


Please provide the names and business addresses of everyone you checked the information with so I may follow up. 
The date on which you contacted each information source. 
the method of communication used to verify the information. 
I also want to know if the furnisher provided you with my SSN, address, or date of birth. 

Once you have completed your investigation and made the necessary corrections, kindly provide me an updated credit report. 

Thank you for your time and help with this.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Georgia XXXX Social : XXXX DOB : XXXX To whom it may concern, Please remove the fraud alert that you have on my credit file, this fraud alert should not be a part of my credit file. Please send me an updated copy of my credit file to the address listed above, thank you in advance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (MO)

I have been disputing XXXX and the Department of education. Listed on my consumer profile. The Accounts are all reportintg the same account numbers. 

There are multiple accounts with the department of education and Navient showing the same account number and reflecting different information. 

some accounts are saying paid and closed with late payments. I was not late on any payments. 

I want would like these accounts removed because it is harming me. And not accuractly showing my credit worthiness. I would like to buy a house in my future. 

I have tried contacting and disputing these accounts and they ignore me. I have tried calling and and both compaines point the finger at each other. Lately i just have been ignored. 

XXXX shows 4 accounts with the account number : XXXX showing two accounts for the same date of XX/XX/XXXX paid & closed with same orignal balance of XXXX, the second & third account for navient states they were opend on XX/XX/XXXX paid and closed with a orignal blance of XXXX, and the second one stating a orignal balance of XXXX. 

In addition i have the the Department of education showing the same account number as XXXX : XXXX with XXXX accounts saying they were opened on XX/XX/XXXX paid and closed with orignal balance of XXXX and the second one showing a balance of XXXX claiming they recieved late payments which is false. 

Then there is a third account with the Departmet of education showing account number : XXXX saying it was opened XX/XX/XXXX and has a balance of XXXX. In good standing and no late payments. 

These compaines have violated the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) They never sent me any proof of debt validated or contractual agreemnet between there company and I. I aslo requested for names and addresses of every person who they spoke with about these accounts. I never recieved any information.

In addition they violated the 15 U.S.C. 1681b - Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report Im tired of being ignored.
Consumer complaint received 2022-09-17
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. (CA)

In Accordance with the Fair Credit Reporting Act XXXX  Accounts listed in the upload section 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 instruction. 

After pulling my credit report and trying to be responsible and handle my business I found lots of inaccurate information on my report. 

Last reported Date last active Date of last payment Date opened Balance past due Comment section
Consumer complaint received 2023-03-27
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. (MS)

I've contacted the credit bureaus XXXX XXXX XXXX Experian ) as well as the collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ) and they are still reporting these inaccurate accounts on my credit report under the name XXXX XXXX XXXX. This is NOT my name and these companies continue to illegally re-age these accounts on my credit report. They also close the account and turn around and reopen the account. They also decrease the balance on the account by {$1.00} then turn around and increase the balance on the account by {$1.00}. The is against the law. 

According to the FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years. 

XXXX XXXX XXXX services are repeatedly re-aging these accounts on my credit report. They are intentionally disregarding the FCRA 623 ( a ) ( 5 ) ( A ) law.

Also, according to 15 U.S.C 1681 law there should not be any damages on my credit report. This is defamation of character. Due to this, I am requesting {$1000.00} per month XXXX XXXX XXXX has damaged my credit profile with this inaccurate information. This has been reporting inaccurately on my credit report since XX/XX/2021. I am willing to settle this for {$15000.00}. I expect this to be resolved in 10 days of this complaint.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TN)

My identity was stolen when I was a teenager. I got a credit card with XXXX XXXX department store. I can only get credit reports with XXXX, but not Equifax or XXXX. I have repeatedly informed them of this problem. They think I am the fraudster. The lady that stole my identity was born in XX/XX/1957. When I got married and changed my last name from XXXX XXXX XXXX, I informed the Social Security XXXX. The fraudster also changed her last name to XXXX as a result. Everyone keeps telling me that maybe I am the person using the incorrect Social Security number and maybe she is using her 's. My Social Security number was acquired for me by my parents when I was very young, a little girl. My mother is of XXXX ancestry and my father was in the United States Airforce at the time. I have never lived in XXXX nor XXXX XXXX or some of these other places. I have never had a credit card with a jewelry store.I have never had phone service in the XXXX area code. I have never attempted to purchase a car at XXXX of XXXX. I am locked out of getting a copy of my credit report because the fraudster got herself locked in. When I went to get a copy of my Federal ID, the lady at the Tennessee Department XXXX XXXX XXXX asked me if I had every lived in XXXX, which I had not. I would very much like to get copies, written, of my credit reports so I may report all false information.
Consumer complaint received 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have been disputing XXXX and the Department of education. Listed on my consumer profile. The Accounts are all reportintg the same account numbers. 

There are multiple accounts with the department of education and Navient showing the same account number and reflecting different information. 

some accounts are saying paid and closed with late payments. I was not late on any payments. 

I want would like these accounts removed because it is harming me. And not accuractly showing my credit worthiness. I would like to buy a house in my future. 

I have tried contacting and disputing these accounts and they ignore me. I have tried calling and and both compaines point the finger at each other. Lately i just have been ignored. 

XXXX shows 4 accounts with the account number : XXXX showing two accounts for the same date of XX/XX/XXXX paid & closed with same orignal balance of XXXX, the second & third account for navient states they were opend on XX/XX/XXXX paid and closed with a orignal blance of XXXX, and the second one stating a orignal balance of XXXX. 

In addition i have the the Department of education showing the same account number as XXXX : XXXX with XXXX accounts saying they were opened on XX/XX/XXXX paid and closed with orignal balance of XXXX and the second one showing a balance of XXXX claiming they recieved late payments which is false. 

Then there is a third account with the Departmet of education showing account number : XXXX saying it was opened XX/XX/XXXX and has a balance of XXXX. In good standing and no late payments. 

These compaines have violated the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) They never sent me any proof of debt validated or contractual agreemnet between there company and I. I aslo requested for names and addresses of every person who they spoke with about these accounts. I never recieved any information.

In addition they violated the 15 U.S.C. 1681b - Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report Im tired of being ignored.
Consumer complaint received 2024-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

MOHELA has been double charging me since they switched to a new servicer. Every month, XXXX is taken directly out of my account, which is the amount I owe each month, but is not registering on their website. I then get a late notice and have to pay an additional amount, even though I already paid them what I owed. This month ( XX/XX/year> ), I had two charges. XXXX on XX/XX/year> and one on XX/XX/year> both for the amount of XXXX. It again did not register on the account and they sent me a late notice on payments. I have requested to be taken off autopay online, over the phone, they have claimed my status says that I'm not on autopay, yet money is still being taken out by MOHELA. I called to rectify this on XX/XX/year>, and was on hold originally for XXXX minutes, then spoke to someone who again confirmed I wasn't on auto pay and then transferred me to customer service where I was on hold for two hours, until I finally hung up.
Consumer complaint received 2022-09-17
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: EQUIFAX, INC. (IN)

On XX/XX/2022, I filed a dispute against a debt with XXXX, original owner, XXXX XXXX closed the account & sold it to XXXX. On XXXX the XXXX 2022, I received a alert from XXXX XXXX informing me that my credit score had dropped XXXX points. This was supposedly due to a remark that XXXX XXXX had placed on my file. I contacted Equifax and they informed me that the investigation had not been finalized, and NOT AWARE of any remarks XXXX XXXX placed in my file. I IMMEDIATELY contacted XXXX XXXX again to inform them that they have no evidence to lower my credit score and that they acted prematurely. The only response that I could get from them was to refer to my file and read the remark.1 ) XXXX XXXX had no communication with Equifax and made a decision with intent to negatively impact my score. 2 ) XXXX XXXX used unfair practices which will bring a negative impact to my borrowing power and reduce offers I am currently receiving. I will be subject to higher interest rates and fewer loan approvals, etc. 3 ) I have disputed this SAME debt with Equifax for over a year as " Not being mine/no knowledge of account/someone with similar name and NEVER impacted my score. 3 ) Equifax had a data breach and refuse to acknowledge that in this situation. This " remark '' ( falsehood ) has been hidden and XXXX XXXX will note reveal it too me. Please assist, Thanks!
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-07
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. (CA)

This is for a Perkins student loan. I did not receive any statements ( online or via mail ) starting after XX/XX/XXXX for my account. Every time I logged in to my account online, it said {$0.00} was due and that no interest was accruing. I thought that this was because of the federal student loan pause. In the middle of the month in XX/XX/XXXX, my account all of a sudden showed past due and interest had accrued ( my balance went up due to interest and late fees ). I did not receive a statement for this. I called the company in XXXX to ask what happened that they told me it was an internal error that erroneously marked my account as matured, and therefore it stopped sending me statements since XX/XX/XXXX. It was flagged in XX/XX/XXXX and then the account payments resumed, without them notifying me. I had just happened to log in to my online account for a second time that month to find out about the balance going up and past due payments. When I called the company in XX/XX/XXXX, they assured me this would not be reported to the credit bureaus and that I would need to file a forbearance form. I told them I didnt want future forbearance, but to have the past due amount and related interest removed from my account. I filled out the form anyway stating all of this info, and the they changed my account information online to show I was current and had late fees removed ( but interest from this time period was never removed ). In XXXX, I received notice from my credit monitoring service that my credit scores from all three credit bureaus had gone down by an average of 40 points due to a missed payment on this student loan account that had been reported. I called the loan servicer to ask for this to be removed since it wasnt my fault, and they said it would be removed at the end of the month ( XXXX ) since the account now says current. I also filed a dispute with all 3 credit bureaus stating what happened. The dispute did not change the past due payment listed on the account. As of today ( XX/XX/XXXX ), my credit reports all still reflect the erroneously reported past due payment. I called the loan servicer today and they showed on their end they had reported to the credit bureaus that there are no past due payments and there was nothing else they could do. I asked them for a formal letter stating all of the above information in case I need it as an explanation for the negative mark on my credit report. They said they can send an email to me and request a formal letter, but it is not guaranteed.
Consumer complaint received 2022-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

My card keeps getting flagged for fraudulent activity. I have called and answered questions many times to verify its not fraudulent In XXXX I had to file a complaint because they permanently restricted my account, locking {$16000.00} of rewards, and stifling my business that has dozens of recurring transactions a month. They thought I was lying to them about how I was even though I was able to provide them all of the documents they asked me for. 

That issue costed me thousand in lost time and staff hours to correct all of my recurring accounts. Capital one eventually removed the permanent restriction and made my card work again. They apologized. 

Now it is happening again. I tried to make a purchase at XXXX XXXX XXXX and it triggered fraud. I spoke to the agent and answered all of the questions and verified all of the purchases. Then she said I dont know why its doing this because you answered all of the questions correctly, but its saying I must cancel your card I asked to be escalated to a manager and went through same process and was told the same thing. They dont know why its happening. 

I think Cap One is targeting me for something. It doesnt make any sense Now I have to spend more time and staff resources to fix all of our recurring transactions that will be failing. Dozens a month. 

This is becoming a consistent problem.
Consumer complaint received 2020-05-31
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)

Like with XXXX  and XXXX  I was also a victim of identity theft and alot of inquiries was made In the process I tried contacting experian about removing them but once of the representatives claim I couldn't do that even thought there was legit identity theft evidence at the moment including a hack in my email address on file but they they refused ... I even sent out a 609 letter still haven't heard anything ... just delete the inquiries made during my fraud alert time should be really simple
Consumer complaint received 2022-07-18
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. (CA)

In accordance with the Fair Credit Reporting Act, 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 B States a consumer reporting agency can not furnish and account without my written instructions.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I would like these account remove so my credit report can report accurately 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 XXXXXXXX ( Bank ) I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of the fair credit reporting Act.
Consumer complaint received 2022-07-18
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, and XXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 


If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.