davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-20
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Public Record : XXXX XXXX XXXX XXXXXXXX Inquiries XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Employers : XXXX XXXX XXXX  XXXX XXXX Addresses : XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Public Record : XXXX XXXX XXXX XXXXXXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Public Record XXXX XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2022-10-09
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. (MD)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I want to report Identity Theft that has been going on for years. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I never opened. I've sent dispute letters in the past and have been having a hard time getting everything removed. Please remove these accounts as soon as possible.
Consumer complaint received 2021-10-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Services and XXXX XXXX XXXX XXXX Firm We lost our home due bankruptcy fraud by the lender ( debt collector ) SPS. 
We failed our Chapter XXXX bankruptcy Case # XXXX scheduled on XXXX XX/XX/2019 and was denied an " Opposition of Hearing '' by XXXX XXXX XXXX lawyer , XXXX XXXX XXXX retained by SPS by mail on the day of our court hearing, not certified mail. 
XXXX XXXX XXXX lawyer presented falsified documents to the court such as robo-signed by XXXX XXXX XXXX XXXX XXXX XXXX of MERS on behalf of XXXX XXXX the Trustee . 
We learned after the fact that this is common practice of XXXX XXXX XXXX XXXX XXXX, violating the Penal Code 115-PC. 
We are hoping to reopen our case to recover damages. We are both are seniors XXXX and XXXX years of age.
Consumer complaint received 2020-05-06
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. (FL)

Unverifiable inaccurate items in my report, I have sent 5 letters to the credit bureau ( Transunion ) asking for verification,. In the results of their investigations, they stated in writing that they verified that unverified items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

Given that I believe they are acting in bad faith, and have not complied with the federal and state laws,
Consumer complaint received 2022-08-20
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)

On XXXX XX/XX/2022 I received a text from Capitol One stating that they believed I may be the victim of fraud and that we should contact them at a number given in the text. I choose to call them using the number on the back of my credit card and was referred to the Fraud Department. They asked for and I provided the normal proof of identification, to wit, credit card number, address, zip code and last four of my SSN. Then they said that they needed a photo ID and would send me a link where I could send a photo copy of my Drivers License. I had never heard of this before and stated that I would not do that. I didn't have to provide a drivers license to get the the card, nor had I had to provide a copy of my drivers license in the past when I had been the victim of Identity theft with Capitol One. The person basically stated that without the Drivers License they could not move forward. They would not tell me what the suspected fraud was, what the amount was or give me any information that would help me determine if it truly was fraud. Capitol One has locked the account and will not move forward to any resolution until I provide them with a photo copy of my drivers license. I have been their customer for over 25 years and think this is a blatant attempt to obtain information they don't need.
Consumer complaint received 2022-10-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation (DE)

Purchased security equipment through XXXX and was told I could finance through them, with a company called Fortiva. I received a 60 month no interest agreement with set payments of {$66.00} a month on {$4000.00}, however my contract states the purchase was {$3300.00}. I woke up to find this was placed on my credit report as a revolving line of credit with a balance of {$4000.00} and line of credit of {$4000.00}. This dropped my credit score 90 points as I have daily monitoring. When I spoke to the company they told me there was nothing they could do in regards to increasing the limit so it wouldnt show up as maxed to the limit and that they can only provide credit up to the amount of the equipment purchase and you can only purchase with XXXX.I was never made aware this would appear on my credit report, it was sold to me as I would be financing the equipment through my alarm company. Almost like financing a new XXXX through your cellular telephone company.
Consumer complaint received 2022-06-30
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. (TN)

On XX/XX/22 I sent a letter to the companies listed on letter asking them do they report accounts to the credit bureaus, they stated that they do not via letter. So if thats the case how the XXXX did they verify " my '' accounts as accurate. They never did a FAIR INVESTIGATION ACCORDING TO 15 USC 1681. 15 USC 1681 SECTION 603 NUMBER 3 E STATES THE TERM INVESTIGATIVE CONSUMER REPORT MEANS A PORTION THEREOF IN WHICH INFORMATION ON A CONSUMERS CHARACTER, GENERAL REPRESENTATION, PERSONAL CHARACTERISTICS OR MODE OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THR CONSUMER REPORT ON OR WITH OTHERS WITH WHOM HE/SHE IS AQUANTED OR WHO MAY HAVE NOT JUST CONCERNING SUCH ITEMS OF INFORMATION. How was a proper investigation done? It wasnt.There are addresses that have not been removed from two of the 3 bureaus when they should have. The credit bureaus have violated my given rights under 15 U.S.C 1681 according to 15 U.S.C 1681 section 602 states that I have to privacy, also according to section 15 USC 1681section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1681 s2 a1 a person should not furnish any information relating to a consumer to any consumers reporting agency if a person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2022-11-07
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)

Upon reviewing my credit report during the month of XXXX i identify several inquiries that i had never authorized. they are : XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX. 
I have called XXXX, and Experian, i have also sent a letter to XXXX. till now no answer
Consumer complaint received 2022-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOUTHSTATE CORPORATION (FL)

MY NAME IS XXXX XXXX XXXX, I AM MAKING THIS COMPLAINT TO REOPEN A FRAUD CASE WITH XXXX SOUTH STATE BANK REGARDING FRAUDULENT CHARGES SOMEONE STOLE MY WIFE XXXX XXXXXXXX XXXX  WALLET AND PHONE SHE IS PART OF MY CHECKS, WHO STEAL XXXX XXXX 'S INFORMATION OPENED ACCOUNTS IN OTHER COMPANIES TO FRAUD AND IN THE SAME WAY USED SOUTH STATE BANK TO MAKE FRAUDULENT TRANSACTIONS, SINCE MY WIFE XXXX XXXXXXXX XXXX PHONE KEEPS PHOTOS OF HER TO USE AS PROOF OF IDENTITY AND I ALSO KEEP A PHOTO OF MY DEBIT BANK CARD WHICH THEY USED TO CARRY OUT THE FRAUD WITH THE BANK, IN THE SAME WAY I REPORTED THE FRAUD TO THE BANK BUT I WAS NOT KNOWN THAT THEY HAD USED XXXX XXXXXXXX XXXX INFORMATION TO DO THE FRAUD, I REPORTED THIS TO THE POLICE DEPARTMENT I ALSO DID AN IDENTITY THEFT BECAUSE SHE WAS A VICTIM OF IDENTITY THEFT AND EE FRAUD, PLEASE REOPEN THIS CA SO AND HELP ME RECOVER THE CREDITS TO MY BANK ACCOUNT, SINCE MY ACCOUNT HAS A NEGATIVE BALANCE OF {$15000.00} DUE TO THIS FRAUD HERE IS THE IDENTITY THEFT REPORT
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account 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 an account without my written instructions,
Consumer complaint received 2022-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC. (TX)

Habitat for Humanity, I am requesting a MORTGAGE STATEMENT listing the following : 1. Default amount and months in default 2. Fees accessed to mortgage account.

3. Balance of any associated secondary mortgage account 4. Escrow account ending balance as of XX/XX/2022. You only give what has been paid not the ending balance after last payment in account. 
5. Defaulted Escrow 6. Any other associated mortgage/escrow costs that are outstanding. 

I have been receiving DEFAULT notices since the closing of the most recent CFPB complaint XX/XX/2022. I understand your email XX/XX/2022 a complete review of my mortgage had been through its initial review and need two more strategies of review. But because I did not confirm the mandatory in person meeting to correct and address the accounting errors ( I have brought to your attention ) at your office this courteous review was revoked. 

I have requested after XX/XX/2022, an itemized statement but have been ignored. I understand your last notice dated XX/XX/2022 that I am still responsible for full mortgage and escrow payment even if payment has not been submitted for Homeowners insurance with loss of coverage while payments are made. I understand that ( 2 ) payments were made separately from mortgage payments to not lose coverage by myself. I understand that XXXXXXXX XXXX XXXXXXXX received payment and applied payment XX/XX/2022. I was contacted XX/XX/2022. 

I also understand with your correspondence that I will now have an annual audit not by my closing date, but your re-evaluation date. Please provide that date your gave the reevaluation for accuracy and my records. 

I am making every effort to bring my account current to your records and standing but you are making it impossible with non-transparency. Since this written communication is the only effective communication you will legally adhere to, I have been forced to again make a complaint.
Consumer complaint received 2022-10-09
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. (NY)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
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: EQUIFAX, 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 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-10-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (NJ)

In accordance with the fair credit reporting act XXXX  account # XXXX for Volkswagen credit inc, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on my account that is CURRENT right now under an open and consumer credit plan as late for whatever purpose. 


I have been going through immense financial hardship due to my son being diagnosed with XXXX and not having any help so my car was reposted. I got 2 months assistance for XXXX and XXXX for Volkswagen credit and they said okay no problem this will report as current on your report, no it is not!! Showing Im 2 months late, again!! They will not remove the repossession off my credit even asking them to dispute it. I am a single mother trying to fix my credit and they are charging me all these crazy fees even after I spoke to someone saying if I got my account current they would removed the late payments with me. When my son was diagnosed I had a choice - either to give him all the therapy he needed to help him strive and quit my job to do that or keep my job and have my son not get the help he needed. This was a legitimate financial hardship and they are tearing my credit apart and violating my privacy rights all of my credit with all of these reporting like I said, the representative told me would be removed after said account was up to date and still is reporting at late. Please help
Consumer complaint received 2023-02-26
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: DISCOVER BANK (MS)

The months of XXXX and XXXX, Discover filed a report of late payment to my credit report, demoralizing my credit. During that time I was going through financial difficulty. I was preparing for my departure heading to XXXX XXXX training. In accordance with the fair credit Reporting act Convergent has violated my rights. 15 USC1681 Section 602 States I have the right to privacy.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

upon checking report i notice fraudulent charges on my report. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-04
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. (OH)

On XX/XX/XXXX I submitted a dispute with Experian, XXXX and XXXX asking to send me verifiable and accurate information. They didn't do that. Instead they sent me the same thing that was said online. 
They violated my rights and I am extremely angry. I read that in 15 U.S.C 1681 Section 604 A Section 2 it says that a consumer reporting agency can not furnish a account without my written instructions. I asked for that information and they didn't send me that either!