davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (OH)

I have been having struggling to make my mortgage payments. So I applied for the Homeowners assistance Fund called ( Save the Dream Ohio ). I applied on XXXX. My application was approved by the state HAF program on XXXX. The state has been waiting for my loan servicer to reply so that they can assist with funding my loan. I have called my loan servicer BSI several times only to be transferred to a voicemail of my lead representative that never calls me. I have sent correspondence emails to my lead representative XXXX XXXX and to the customer service team via email. I emailed my letters of income eligibility approval provided by my states HAF program. It is now XX/XX/2022 and I still have not heard anything nor has my state HAFs program received a reply back from my loan servicer.
Consumer complaint received 2022-07-29
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)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, U.S. Department of Education Account # XXXX, Account # XXXX, Account # XXXX, XXXXXXXX XXXX XXXX XXXX  Account # 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 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Disputed inaccurate info on credit report XX/XX/2022. Nothing was changed. I try to correct my address and other information, but nothing fets corrected. I feel that someone else has been sabatoging my credit report and score by entering wrong information.
Consumer complaint received 2022-07-30
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. (GA)

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 the credit bureaus 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 remove these files. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3900.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00}
Consumer complaint received 2022-07-29
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: Resurgent Capital Services L.P. (PA)

The LVNV accounts were withdrawn and settled In Court. These accounts are still showing inaccurately on my credit file. XXXX has been contacted multiple times and there has been no update provided on the status of this report.
Consumer complaint received 2022-07-30
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: Experian Information Solutions Inc. (LA)

I have reached out to ALL 3 credit bureaus- XXXX XXXX Experian & XXXX several times to have this account with ( XXXX XXXX- name reported on my credit report ). The first time was for them to verify this account- ( XXXX ) and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE. The account is ALSO reporting late payments which is illegal because a closed account is not supposed to report late payments.
Consumer complaint received 2022-07-30
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. (MI)

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, 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 a auto loan account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-30
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. (LA)

I have reached out to ALL 3 credit bureaus- TransUnion XXXX XXXX XXXX XXXX several times to have this account with ( XXXXXXXX XXXX name reported on my credit report ). The first time was for them to verify this account- ( XXXX ) and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE. The account is ALSO reporting late payments which is illegal because a closed account is not supposed to report late payments.
Consumer complaint received 2022-07-28
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. (GA)

I am a victim of identity theft and someone used my personal information to obtain goods and services in my name without my permission. 

I did not benefit from any goods or services of these fraudulent accounts. I have attached a copy of my police and FTC report for Equifax to block and remove these fraudulent accounts immediately from my credit report.
Consumer complaint received 2023-03-15
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. (FL)

Experian 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. 
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, 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 2022-07-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXXXXXX XX/XX/2021 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-07-30
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: Experian Information Solutions Inc. (OH)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If Experian and XXXX do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2000.00} ; DEPT OF EDUCATIONXXXX XXXX Date Opened XX/XX/XXXX Balance {$6500.00} ; DEPT OF EDUCATION/XXXX  XXXX XXXX Opened XX/XX/XXXX Balance {$3600.00} ; DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$790.00} ; DEPT OF EDUCATION/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$1400.00} ; DEPT OF EDUCATION/XXXX  XXXX Date XX/XX/XXXX XXXX XXXX {$250.00}
Consumer complaint received 2022-07-30
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 XXXX XXXX Account number # XXXX has violated my rights. 1 15 U.S.C 1681 Section 602 A. states I have the right to privacy 1 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 3 15 U.S.C 166B A Creditor may not treat a payment on an account under an open and consumer credit plan as late for any reason
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After reinvestigation, this XXXX XXXX  # XXXX **** was opened XX/XX/XXXX, and Closed on XX/XX/XXXX Pay Status Charged Off. As of Transunion Report dated XX/XX/XXXX. As of XX/XX/XXXX, This account has been reopened as an active account on my credit report with late payment.
Consumer complaint received 2020-05-26
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)

I have learned over the last several months that I am a victim of identity theft. I have taken the steps and recommended attempts to resolve and recover my damaged credit history. I have mailed in and uploaded many documents to the credit agencies and creditors to undue these thefts but non of my attempts have concluded in results. I have now contacted an attorney to proceed further if this last recorded attempt is ignored as the others. I have included all that the laws of the FCRA require to remove and block these fraudulent accounts. I will also attach those documents to this compliant.
Consumer complaint received 2020-05-26
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. (CA)

This is illegal I will take that XXXX XXXX dollar settlement and recover the damages legally on my own. I do authorize to the highest authorities the damages and expect the criminals and illegal companies/adoption agencies/security that staged this attack to be held accountable. You can contact the FBI for further dispute. I expect to be fully unassociated with all damages after the year of 2012. I expect to have a 740+ credit score all around with perfect bill payer history and to be debt free, I also expect to be unassociated with all crime and or criminals to freshly continue my life without illegal unauthorized burden, my mortgage is hereby destroyed I expect it to be fixed eventually. New SSN, new DL, new last name, will double po box . 

God bless America, Thank you for your continued service Happy Memorial Day Best Regards, XXXX XXXX ( XXXX ) XXXX - XXXX
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am disputing derogatory information that Transunion is reporting for an account on my credit report. The account is with XXXX XXXX XXXX Mortgage which they are reporting 120 days late. I was never late 120 days. I was only late on this account in XXXX of XXXX. In XXXX and XXXX, my payments were deferred due to covid. There should be no late payments reporting due to the CARES ACT. Also, how is that XXXX and XXXX aren't reporting the supposed late payments? All data furnished should be accurate and cohesive so there should be no inconsistencies between the bureaus unless there is inaccurate reporting. I am demanding that the late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are removed from my credit profile immediately. There was never an investigation done because my account was never updated stating that it was in dispute, and if an investigation was done, they would have realized that the payments were deferred hence why XXXX and XXXX are not reporting lates.
Consumer complaint received 2022-07-30
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. (MO)

Hard inquiry from XXXX ( I did not authorize ). XX/XX/XXXX. I have not even established credit history when they put a hard inquiry on my credit report. I am also NOT head of household and was a XXXX  at the time. 

Hard Inquiry from XXXX XXXX on my credit report XX/XX/XXXX ( I did not authorize and NEVER gotten a loan from them ). Ive contacted Experian about the inquiry who told me to contact XXXX XXXX. I then contacted XXXX XXXX customer representatives multiple times who did not give me any solutions. 

Hard inquiry from XXXX XXXX. ( I did not authorize ) XX/XX/XXXX. Never got a call back or any explanation for it.
Consumer complaint received 2020-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Paypal Holdings, Inc (KY)

I have an account with Venmo and they have a facility where they provide a prepaid card that can be used in stores. When used for purchases, Venmo takes the amount in increments of {$10.00} from an enrolled bank account, to reload the card in order to cover the purchase. I found this a good service since it increases security where my bank ATM card is not exposed ; when not in use, I can easily turn off the auto-load feature from a mobile device so even if the card gets lost or stolen, they wouldn't be able use it for purchases or to get any cash. 

On XX/XX/2020, I used the card to pay for groceries in XXXX for the amount of {$52.00}. The terminal declined the initial charge attempt and asked me to re-try. The second charge attempt was successful. However while reconciling my account, I found that Venmo charged me twice for that transaction. The day after, they reloaded the card by taking out money from my bank account twice for {$50.00} each, ostensibly to cover for the charges. The XXXX receipt clearly stated that the initial charge attempt was unsuccessful by marking it as EMV DECLINED, however the Venmo statement carries both charges. 

I reported the issue to Venmo twice but on both occasions, they denied the disputed amount saying that " an error has not occurred and the dispute claim has not been resolved in your favor.This decision was made because we found that you were only billed once for this transaction and there was no duplicate transaction. '' However, their own statement belies this claim since there are 2 entries of {$52.00} and 2 reloads of {$50.00} each that were taken from my bank account. The initial charge and reload are then  considered unauthorized draw-out from my account. Venmo has not refunded the balance back to my Venmo account.
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (IN)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST FINANCIAL BANCORP (IN)

On XX/XX/year> I called First Financial Bank to ask them to put a travel alert on my debit card as I am traveling in XXXX. They asked my social security number, which I provided. They asked for recent transactions, which I provided successfully. Then they said they needed to send a code to my phone. My phone number is XXXX. This is the number that is confirmed as my number at the bank ( the person on the phone verified that number was associated with the account ). I was calling from that number as well. Then she told me I could not access my account because their 3rd party provider could not send me the code to my number XXXX which is my cell phone that has been listed for years on the account. I escalated twice and each time the First Financial representative said that there was no way that they could even put a travel alert on my account because their 3rd party system could not send me a text. I offered to tell them every single transaction, my social security number again, for them to actually call me back on my phone number, but they told me that there was absolutely no way to access my account since their 3rd party service could not send me a text. I am VERY concerned because now I can not call to access my account. What if I had lost my phone? Shouldn't there be some other way to confirm identity? I am filing this complaint because First Financial Bank is breaking consumer protection laws by not giving me access to my account via mobile call. I can access it online but when I call they say that they can not do anything because their 3rd party system could not send me a text. After over 30 minutes on the phone with them on an international call, they told me to hold while talking to a supervisor and they hung up on me and never called me back. Completely unprofessional. Please advise on how I can get access to my account when I call.