davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-13
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)

the XXXX crediting bureaus sold this fraudulent debt to a crediting agency, XXXX credit, they refused to investigate, they did not want to expunge the debt from my report unless i paid. requested and received pay to delete under false pretenses resulting in identity theft on their part according to the Identity Theft and Assumption Deterrence Act of 1998, This Act makes it a federal crime to " knowingly transfe [ r ] or us [ e ], without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutions a violation of Federal law, or that constitutes a felony under any applicable State or local law. '' ( 47 U.S.C. 1001 et seq. )
Consumer complaint received 2022-11-13
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. (CA)

Investigation took more than 30 days and when it came back nothing was changed when clearly there are misleading, incorrect, inaccurate information on my credit report ... attached is my credit report from XXXXXXXX XXXX that clearly violates my rights!!! THE EVIDENCE IS IN BLACK AND WHITE... NOONE CAN DENY THE EVIDENCE XXXX XXXX XXXX  XXXXXXXX!!
Consumer complaint received 2022-11-13
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-13
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. (MA)

Every month the XXXX XXXX XXXX sends out that I am deliquent ( behind ) on payments for my student loan. They have done this the XXXX pandemic. Also, I have a credit repair company that fights it every month, gets it off my report only for it to return like clockwork the next month. 

This is fraudulent and hindering my credit. That is a violation of my rights and my credit. 

Unacceptable.
Consumer complaint received 2022-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Grain Technology, Inc. (SD)

I had withdrawn XXXX  us dollars from a mobile app called grain XXXX. I used the app before and paid it back on time. I then pulled from it again and when I got the money in my bank account grain wouldnt let me log in and keeps locking me out of my account saying Ive failed my password attempts too many times even though I hadnt even tried it. It also disconnects from my bank so theres no way for me to pay them back now. Ive emailed them two times and filled a report but they never get back to me. Its been two weeks now.
Consumer complaint received 2024-09-17
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. (PA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2022-11-13
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)

On or before XX/XX/2022 I disputed XXXX XXXX XXXX ( XXXX XXXX XXXX ) .I the dispute was Marked verified. I reportly asked for evidence to support reporting verified but failed to provide any proof. 
I have as ask them to give me the process, names of verification. The bureaus have not came with anything at all. Which is the FCRA 611 ( a ) ( 7 ) violation.

Violations Fcract 807-8,15USC 1681n,1681i,1681s-2,1681i ( a ) ,611,616,617,623 ; 602 ( A ) ; 604Asec2
Consumer complaint received 2022-08-22
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. (AL)

On XX/XX/XXXX, I submitted a complaint on three credit bureaus reporting wrong information on my credit report. The companies responded that some information is accurate and took no actions on my credit report. I asked for a full investigation AND proof that the companies that are reporting negative items on my credit report by providing contracts signed by me with the companies that are reporting on my credit report. There was no proof provided, therefore I request that all the companies that are reporting negative items on my credit report that are in my original complaint be removed from my credit report. 

Companies Designed Receivable solution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-13
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)

I have asked the Credit Bureau to do verification of everything on my Credit report from a XXXX XXXX XXXX XXXX XXXX Account # XXXX. they have stated that everything was accurate but I have done a thorough research myself and have found improper inaccuracies on the Credit report. 

In accordance with the XXXX XXXX act 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 agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-13
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 act XXXX Account XXXX XXXX Account XXXX XXXX XXXX ( Doesnt have an account number showing ) 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 2022-11-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc. (MD)

The Company FCI Lender Services Inc. From XX/XX/XXXX has been predatory lending on this Loan that was transferred to there company at he time to begin servicing the loan when in fact the property is PAID IN FULL upon XXXX XXXX XXXX XXXX on XX/XX/XXXX from A Life Insurance Policy information submitted by XXXX XXXX XXXX on two separate dates XX/XX/XXXX and XX/XX/XXXX and by XXXX Mortgage XXXX and FCI Lender Services Inc . Both Companies negligence is a result of an outstanding and ongoing XXXX Mortgage in the amount of {$420000.00} with court cost and added fees. Ive reached out to both companies and neither will accept or return my calls or emails.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (NY)

I am including excerpts from the response for a previous complaint. 
" We are committed to making sure all customers are treated fairly. That is why we take appropriate measures to make sure that our representatives comply with all laws and regulations. The actions taken on your application were based on valid reasons and in accordance with our policies and procedures. '' You say you have taken appropriate measures. I filed the opt out in XXXX and still into XXXX and XXXX I received solicitations. I had to file additional opt outs and spend additional money to stop the solicitations. American Express could not have taken actions based on valid reasons because the application itself was invalid and was obtained under false pretenses. In violation of the creditor solicitation laws. It's not in accordance with lawful policies and procedures if you obtained the application under false pretenses. I am not at all satisfied with the response. I believe that this is boilerplate response and doesn't go into detail on the exact remedies and new policies and procedures that will go into place to make sure this doesn't happen to other innocent consumers. 


" " We have addressed your claims about your account in our prior responses to the CFPB, the most recent on XX/XX/XXXX, CFPB XXXX. You have been opted out of receiving marketing and it may take up to 12 weeks for mailed offers to stop. In our response to the CFPB dated XX/XX/XXXX CFPB XXXX, we explained that all American Express XXXX XXXX XXXX XXXX were previously reviewed and denied. We also advised that the application for the XXXX XXXX XXXX was denied and the decision remained the same. We have not received any additional applications for either Card from you. In addition, '' These applications should not have been obtained. The consumer opted out of these solicitations in XXXX. This explanation does not explain the lawful purpose you had to solicit and obtain the application, it does not address how American Express will create new policies to guarantee more consumers are not injured by failure of American Express to comply with opt out and FCRA
Consumer complaint received 2022-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (AL)

I the consumer and natural person was denied credit by American Express when I applied for the blue cash everyday card. Adverse action against the consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1619c and is pursuant to civil liability under 15 USC 1692k. you are subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by American Express due to the response I received. American Express is in violation of 15 US Code 1642, USC 1681m, and 12 CFR 1002 because I the consumer made an application in good faith, yet credit was not issued. furthermore, because my CREDIT CARD ( SSN ) was used and I received NO benefit. this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express
Consumer complaint received 2022-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (CA)

Monterey Collections for XXXX XXXX, continues to add fraudulent information to my credit report. My husband and I paid the debt we owed jointly. They took it off of his credit report and added it to my credit report. I have proof that the debt has been paid and the information was to be removed from my credit report.
Consumer complaint received 2022-11-13
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-13
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. (LA)

On XX/XX/2022 I was approved for a business auto loan by XXXX XXXX XXXXXXXX. I took the attached pre approval to dealership ( XXXX XXXX  ) and they took it upon their self to apply for me another application with XXXX XXXX XXXXXXXX. 
The reason for me taking the business pre approval was so that it wouldnt show on my personal credit report. Ive noticed that it is showing on my personal report. Ive called and spoke to finance XXXX XXXX, she stated theres nothing she can do and XXXX  has still failed to return my call. 
XXXX XXXX XXXX says there was a whole nother application opened under my personal I did not give them permission to do that they should have used the pre approval that was presented.
Consumer complaint received 2024-12-21
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. (GA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/year>
Consumer complaint received 2022-11-13
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. (GA)

I visited XXXX auto dealer on XX/XX/22 at XXXX & was informed by rep/manager XXXX AKA XXXX XXXX XXXX could take a look at my credit with out running a full report. Which would effect my credit ( hard inquiry ). I was informed this would not happen but I was informed by XXXX credit bureaus that this is not on my report. As of XX/XX/22. This rep lied.
Consumer complaint received 2022-08-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (TX)

I have made 2 attempts via certified mail ( XX/XX/XXXX & XX/XX/XXXX ) to request validation of a debt being reported on my credit report by Credence Resource management listing the original creditor as XXXX XXXX XXXX in the amount of {$340.00}. Credence has failed to respond to my request for validation. Furthermore I have never received any communication regarding this debt nor how to dispute. I have disputed with all 3 credit bureaus and each is reporting different information from account closed due to no response from collection agency. I am requesting all records of Credence Resource Management on all credit bureaus be removed immediately.
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

To whom it may concern Ive sent Experian my drivers license social security Id and utility bill also I have sent in certified mail of personal information update letter all proving who Im and that only one name one address one email and one phone number should be reporting on my credit report and profile But it seems to me that they are not complying with consumer laws and keep violating my rights the address reporting XXXX XXXX XXXX ma I have never lived at and Ive asked that it be deleted on numerous occasions but Experian keeps adding it.
Consumer complaint received 2022-11-13
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. (OH)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2024-09-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have a savings account with Capital One with about {$6500.00} in it. When I called and asked to get the money in the account I was told the money was being held so it could be returned to its origin. 
My savings account was used to deposit the rental income from a home I rented out at the time so the money that was in the account was lawfully and legally mine and nobody else 's. When asked about more details or a timeline on When they'd be done I wasn't given any answers except that there hasn't been an update on the account since XX/XX/year> and there's been nothing since. Refusing to return money that I legally earned is theft and I would like my money returned to me immediately.
Consumer complaint received 2022-09-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You 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, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$170000.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$570000.00}.
Consumer complaint received 2022-08-22
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)

In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-10-23
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: Affirm Holdings, Inc (IN)

I received a notice from XXXX saying my credit went down. Checked and it said I took out a loan from affirm inc. for XXXX and was late paying. I never heard of affirm, I have no account with them and have never taking a loan with them. I contacted affirm and they said they couldn't find any account I had with them, contact XXXX.