davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit and Reporting Act, XXXX  Accounts : XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX. 
XXXX XXXX XXXX, Account # XXXX, have violated my rights 15 USC 1681 section 602 A, states that 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 insctruction.
Consumer complaint received 2023-03-02
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$4200.00} XX/XX/2017
Consumer complaint received 2020-09-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I sent disputes about incorrect information being reported on my credit report and nothing has been done. I mailed letters to the bureaus XX/XX/20 and XX/XX/20. I know they have a little extra time but I NEVER received my investigation results.
Consumer complaint received 2023-03-02
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)

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 XXXXXXXX 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 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 2021-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (WI)

On XX/XX/XXXX i received a XXXX letter stating a cancellation of debt for a US Bank Credit Card. While i did have a credit card with US bank it was over 11 years ago. To my knowledge i paid off the debt and closed the card in XXXX. 
Receiving the XXXX and calling US Bank cardmember services the only information they could tell me is that it was " written off '' in XXXX and closed in XXXX. Which doesn't match my dates on when i had the card. I asked if i owed debt why this never appeared on my credit report or had any collections calling me, in which they could not answer. I also then asked for the card number which they gave me but said they had no statements that they could send me or information on the card or transactions as it was closed. I asked to show proof of this if i have to report it as income on my taxes in which they told me to hopefully i had some old statements. 
I feel this may go against the fair debt collections act and looking somewhere to get advice. Thank you.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX, am filing this report due to being a victim of identity theft. the accounts listed were opened fraudulently using my social and other nonpublic information of mine. there are also several social security numbers on my account that are there fraudulent, that I have never been associated with. I did not benefit or give consent to anyone or persons to use my information to obtain these goods or accounts. In 2016, my information was compromised after someone stole my purse. my purse contained my license and bank card information inside. ever since, I have been dealing with identity theft. I am excursing my rights under the FCRA 15 USC 1681 to have all fraudulent accounts and social security numbers not mine blocked and deleted immediately.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 WITH OUT 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 FOLLOEING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I file for chapter XXXX bankruptcy on XX/XX/XXXX and I get the order of discharge on XX/XX/XXXX, which include all my credit cards with the exception of my car loan which I continue to pay my monthly installment until I pay off the whole balance of {$4400.00} on XX/XX/XXXX XXXX, but when I checked my credit report recently from the three major credit bureaus I was surprised that the ( pay status ) of my auto loan which represented by ( XXXX XXXX XXXX XXXX XXXX is included in my bankruptcy case which is not supposed to be, I contacted XXXX, Equifax and XXXX  and ask them to correct the wrong information about my auto loan and I send them all the required documents, each of them launched their own investigation, after all the result come back with no change and they stated that the car loan is part of the bankruptcy.
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

DECEPTIVE ( UN ) TRUTHFUL CREDIT LENDING STATEMENTS. MADE TO APPEAR LIKE ADJUSTMENT PURCHASES ( - ) with cute minus signs all listed above the total line are included in this figure. ( ** THEY ARE NOT INCLUDED IN THE TOTAL CREDITS APPLIED LINE UNDERNEATH ALL THE AMOUNTS LISTED ) ** They are LISTED ONLY See attatched USAA XX/XX/2019 Statement. Kindly Note the adjustment purchases temporary fraud credits NEVER ARE INCLUDED IN TOTAL CREDITS GIVEN they total {$1.00}, XXXX and ONLY {$910.00} Total Credits APPLIED ** USAA TAKES CREDITS NEVER PROVIDED. see. XXXX TRANSACTIONS card XXXX SECURITY ADJUSTMENT ( OF ) REVERSED CREDIT {$120.00} & $ {$210.00} = ( {$340.00} TAKEN BUT USAA NEVER GAVE ) then TRANSACTIONS card XXXX XXXX SECURITY ADJUSTMENT ( OF ) {$12.00}. & {$110.00} TAKEN NEVER GIVEN USAA REVERSES CREDITS NEVER PROVIDED. Kindly Note USAA CREDITS NEVER APPLIED DECEPTIVELY MADE TO APPEAR AS CREDITS PROVIDED = All USAA adjustment purchases ARE BOGUS Kindly Note ONLY {$910.00} TOTAL CREDITS APPLIED ( {$1.00}, XXXX CREDITS DECEPTIVELY HIDDEN INTERNALLY & MISSING {$1700.00} USAA CREDITS. )
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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have two accounts from XXXX XXXX XXXX. They do not have any delinquency on them. I filed Chapter XXXX bankruptcy in XXXX and it was converted to Chapter XXXX bankruptcy on XX/XX/XXXX. Prior to converting, these 2 accounts were Reaffirmed and closed. My credit report shows that the accounts are included in Bankruptcy. These two accounts are not included in bankruptcy as they were closed and combined into another account. The status should be changed to Pay As Agreed and there should be no bankruptcy remarks on these two accounts. The accounts numbers were closed and all. They are NOT included in Bankruptcy
Consumer complaint received 2021-02-03
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)

It is impossible for me to fix my credit. I do everything I possibly can and items that are 100 % false and incorrect never come off my report. It will drop XXXX points in a day with no explanation. Ive got barely any debt and it doesnt reflect a correct debt to income ratio nor does it ever seem to get above XXXX when I have paid off student loans, pay CCs on time, have no mortgages or bankruptcies and a bunch of items that are medical bills that didnt bill my insurance when I was fully medically insured ; I dispute them and they deny my claim but dont give me reasons why. Im XXXX and work daily for years to fix my credit and its impossible due to obfuscation, misinformation, wrong information, and inability to properly dispute flagrantly incorrect or fraudulent items. I need to buy a home and move forward with my life and this is making it impossible to do so. Please address XXXX Equifax, XXXX XXXX Accordingly.
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 — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : TOYOTA MOTOR XXXX  XX/XX/2018 XXXX
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)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2022-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (TX)

On XX/XX/XXXX my mortgage company took it out {$1900.00} in my automatic payment which should have been {$1300.00}. When I called they realize that they had paid my taxes twice and also on my account projections for the next year it shows like they were going to pay my taxes twice again which is why my payment was so inflated. They received the money back that they paid on my taxes twice but they still have not fixed my account projections showing that they will pay my taxes twice again next year. Therefore my escrow payment for the next year is at {$740.00} a month instead of being at {$510.00} a month. As well as a shortage payment of {$110.00} which would not be there if they didnt project paying my home taxes twice. I have called at least 8x and talked to multiple people each time.Although they fixed part of it by getting the payment back from the taxes, they have not fixed my amount due to escrow because it still shows I will be paying {$5500.00} in taxes next year which is DOUBLE!! And they are telling me I have to still make the {$1900.00} payment for XXXX until they figure it out. My payment should be {$1300.00} a month. They already took an extra {$650.00} erroneously from me in XXXX by automatically taking {$1900.00} from my bank on a payment that should be {$1300.00}. Therefore my XXXX payment should only be {$680.00} to get caught up. Then going forward {$1300.00}. But all they do is keep transferring me to someone else until Im told it will be fixed in 5-7 business days. Ive been told that 4 times since XX/XX/XXXX. I have made automatic payments since loan originated so I have NEVER been late on a payment. But Im not paying anything until I know where my money is going and that it is correct.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account # XXXX XXXX XXXX  account # XXXXXXXX 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 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX   XXXX {$130.00}
Consumer complaint received 2023-01-09
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. (PA)

XXXXXXXX XXXX is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as XXXX 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 2 different dates of last payment between the credit bureaus XX/XX/2019, and XX/XX/2019 this account is re aged.they are reporting 2 different credit amounts {$3600.00} and {$1800.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CA)

I recently discovered my XXXX credit card through Comenity Bank had been closed by the bank, without notice. As there was no balance, I was never late on payment, and there had been no failure to comply with terms on my part, I assume that they closed it because I had not used it in a year and a half. ( It should be noted that this same thing happened to me years ago, with Comenity Bank, and a Victoria 's SecreXXXX card I held, and that a year and a half is not an inordinately long time to go between purchases at a specific store. ) While the credit card agreement states that either party can close the account at any time, I believe this is a bad business practice, and that there should be changes to the legislature to prevent this from occurring. If they have an internal policy specifying an exact time frame for non-usage before cancellation, this should be required to be in the credit card agreement, so that consumers are aware when they sign up, and can meet that term to avoid closure of the account. That would be FAIR, because closure of accounts harms a consumer 's credit score. 

Credit cards are typically maintained by people to use when they need, and Comenity simply closes accounts of people who don't use them regularly enough for them to profit. Comenity should be required to make disclosures and include the time-frame of closure due to non-usage before they harm a person 's credit score.
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 status incorrect
Company: Commonwealth Financial Systems, Inc. (FL)

XXXX XXXX XXXX : {$250.00}. This was paid at the Hospital during service - I was never made aware of this credit issue. Hospital has payment in file. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$75.00} : XXXX  was paid thru the insurance and contacted the hopsital who billed the insurance. 

Commonwealth Financial {$1200.00} : This was repeatedly communicated to bill the insurance and insurance did assume the cost.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent a letter to formally make a complaint about my incomplete and inaccurate credit information. As I know, It violates the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), and thus I wanted to have it investigated. I also demanded that they provide verifiable proof that has my actual signature in it. Additional information regarding this will be uploaded and I hope that this issue will be taken care of.
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (IL)

XXXX XXXX XXXX XXXX XXXX XXXX Dear Service Representative : In early XXXX, we received an email that Bluebird decided to close our accounts. It specifically mentioned a {$500.00} refund from XXXX and that the balance in our account will be sent to us. We have not received any money, including the {$500.00} from XXXX. It has been more than two months. 

Bluebird suspended access to our account, locking us out of the record keeping. In addition, customer service rep XXXX on XXXX at XXXX CST said he could not access the records either, but he could see our account was suspended and to contact Bluebird via snail mail. There was no email or phone option. Hence this letter. 

Please send us {$500.00} each plus whatever residual was left in our account. You can verify the XXXX transaction directly with XXXX loss prevention at XXXX ( XXXX ) XXXX as properly processed on their end. In addition, Serve acknowledged receipt of the funds via email to us. 

As it stands, we believe Serve is in violation of banking laws and is illegally withholding {$500.00} each plus residual balance in our accounts. In addition, they are denying us access to our records to file legal claims. 

In addition, Bluebird believes we violated the terms of the Bluebird agreement. No such reason was ever given of what this was nor was XXXX able to provide anything. This seems be to a pretext to illegally withhold our funds.

Please send us two checks immediately.
Consumer complaint received 2021-02-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC. (NV)

XXXX Form No. 1099 Tender of Payment amount in full for debt {$17000.00} tendered in full and refused or declined by Ally and by law the XXXX XXXX XXXX b ] states once tender has been made and declined or refused there is discharge. {$6700.00} for approximate two years of monthly payments, Legal Fees {$5500.00} per day for past 90 days failure to adhere to court orders decrees {$49000.00} and legal fees. XXXX {>= $1,000,000}. Extortion and Threats against a foreign official aka Diplomat ; XXXX XXXX XXXX XXXX, XXXX Issuance to reserve banks, nature of obligation ; redemption aka Tender of Payment. {$17000.00} for 1099c debt discharge identification event code B. Common Law Court Order and Fee Schedule Violation of oath of office XXXX {$250000.00}, Denied Proper Warrants XXXX {$250000.00}, Denied reasonable Defense XXXX {$250000.00}, Defense Evidence Records, claimed not to have Diplomat ; XXXX XXXX XXXX XXXX 's title and appellation on file, was untrue we received letter [ s ] with Ally addressing her appellation and title, Denied Truth in Evidence XXXX {$250000.00}, Slavery Forced Compliance to contracts not held XXXX {$250000.00}, Denied Provisions in The Constitution/Treaties XXXX, Extortion XXXX XXXX {$5000.00}, Mail Threats XXXX {$5000.00}, Fraud XXXX {$10000.00}, Falsification of Documents XXXX.