davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
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. (NJ)

Dear Experian, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Consumer complaint received 2023-02-04
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: Experian Information Solutions Inc. (TX)

In accordance to the Fair Reporting Act XXXX Account XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2023-02-03
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: Experian Information Solutions Inc. (MA)

Dear XXXX ( # XXXX ) XXXX : I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) the ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2023-02-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I went through an extensive interview process along with a background check. I was told that the company XXXX will be sending me a check to get the software and computer, the time machine they use to clock in and out from their vendor. So now that I was hired, I got a check, deposited it into my checking account and followed the directions that XXXX XXXX told me to do. Which was send {$1000.00} to XXXX, that is the supplier of the office equipment that is needed to get my job done. Then I was to transfer the remaining money over to her which was XXXX this I didn't send because I wanted the other to go through first. A couple days later I contacted my bank to see why it have over drawn they explained to me the situation that I had been scammed looking for a job. I have emailed XXXX XXXX XXXX  several times and she told me she's sorry and that this same thing happened to her and she then stated " she doesn't have the money I sent her, she had to turn it over to { him } she stated ''. This is ridiculous. I signed a contract with them thinking I had the job. I even put in 2 weeks ' notice at my current job for this job. I just want my money back. I have begged and pleaded with XXXX XXXX XXXX XXXX to send my money back but she won't. Those are the names associated with her info. If you have any questions please call. I simply can't go on like this. I'm just one person these people have gotten. Imagine how many other people they are ripping off. I would like to know about this case and the outcomes. I would also like to press charges if applicable. False information to obtain money without probable cause. Theft. Impersonating a business to make a profitable gain using their name. 
I'm just a single mother  with XXXX children at home trying to find a better job where I can work from home to benefit my kids better. 

XXXX id number to XXXX XXXX is XXXX : XXXX
Consumer complaint received 2023-02-03
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. (MI)

15 USC 1681 Sec. 604. Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I demand the following be deleted from my consumer reports for violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act : STATE OF MICHIGAN STATE OF MICHIGAN STATE OF MICHIGAN STATE OF MICHIGAN STATE OF MICHIGAN STATE OF MICHIGAN Also under 15 USC 1681 Section 602 A I have a right to privacy. 

The following inquires are unauthorized on my consumer reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (OH)

My husband became unemployed recently, but he has been struggling with his job for a few months now. Navient absolutely has no options in order to defer payments for even a few months, until he can get a job and we can get back on our feet. We have a house and a new XXXX, and this is all very bad timing. When my husband called Navient to try and speak with them about any options for forbearance or deferment to financial hardship, we were told his loan does n't qualify for that, and asked if he could make a payment of $ XXXX {$200.00}, and then we could do a " forbearance '' of a monthly payment of {$150.00}. He tried to explain right now we have {$0.00} to pay, and they asked if we could make a payment on a credit card or borrow money from someone. Obviously, this is not a solution. We told them no and asked if there is any way they could help us. They stated that there was n't, and that the phone calls would continue until we paid.
Consumer complaint received 2023-02-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2018-09-26
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: SYNCHRONY FINANCIAL (FL)

WALMART CREDIT CARD Issued a credit card on my name without my autorization and reported to the 3 credit bureaus damaging my credit.They never talk to me about this card and I never disclosed my social security number to them. 

My son only request a user card for me, but did not mean they had access to my credit without autorization or responsable for this accounts either. This credit card has lower my scores dramatically. ( XXXX points ) from my last credit report. 

Last night I went to monitor my credit ( XX/XX/2018 ) with my bank ID alert and I was in shock with this issue. My son call Walmart customer service last night and today XX/XX/2018 ) to removed me from his accounts and fixed that error with the credit bureaus. 

Walmart never should issue a card without autorization of person involved, even if it is additional card.
Consumer complaint received 2017-01-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (CO)

I XXXX Started working with XXXX around XX/XX/2016 on a home loan I were often given misleading information on the American mortgage program I asked XXXX twice can you buy any where you want in the state of XXXX he told me yes the biggest misleading information that was given was after I had gone under contract in XX/XX/2016 the realestate agent submitted a inspection objection addressing safety concern and items that needed to be fixed the items would be the owners responseability to repair I received a message from XXXX saying the appraisal has come in and it is subject to gutter down spouts I called XXXX and I asked him are theese the only items that need to be fixed to obtain the loan he told me yes so I called the realestate agent to let her know so she said let me verify this with XXXX so she verified it and we replaced the inspection objection with gutter, downspouts and extensions XXXX notifies me by email a couple of days after the inspection objection had been replaced and after verifying with him that those were the only items that needed to be fixed he sent me an email with all of the items we originally asked the sellers agent to have the owner to fix and then he said I would have to escrow for the repairs and that it XXXX affect my debt to income ratio this misleading information was caused by XXXX
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I received a copy of my credit report in XXXX of XXXX. I began my disputes since XX/XX/XXXX. I have sent several FTC letters to this company along with a police report complaint # indicating that my identity had been compromised & that they were reporting fraudulent accounts on my report, affecting my credit worthiness and negatively impacting my life. Along with these reports I have provided written letters to this company several times to which I have the tracking numbers too, letting them know of ALL of the many consumer laws they were breaking. They have ignored my concerns and continue to lie over the phone stating that they haven't received any of my letters. Prior to this another supervisor told me my documents were received but not validated. When asked to explain how legal documents were not validated, he suggested sending them again, costing me extra funds. Below I have attached the letters sent to this company time and time again. This is a privately owned company acting outside the laws. I HAVE SPOKEN TO XXXX AT EXPERIAN ON XX/XX/XXXX AND I HAVE RECORD OF SPEAKING TO XXXX XXXX AT XXXX WHO CLAIMS TO BE A SUPERVISOR ON XXXX XXXX. 


HERE ARE SOME OF THE SEVERAL LAWS THEY HAVE BROKEN : According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of theconsumer ; ( 2 ) a copy of anidentity theft report ; ( 3 ) the identification of such information by theconsumer ; and ( 4 ) a statement by theconsumerthat the information is not information relating to any transaction by theconsumer.

Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D
Consumer complaint received 2023-02-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (AL)

Someone fraudulently was able to have a new debit card sent out on my checking account and also did a change of address in my name at my home ( unknown to me at the time ) and used debit card to get cash out at an ATM 6 times at a bank approximately 9hrs from where I live. I noticed the charges a coupe of days after and called the bank. They canceled that card. Apparently after it being canceled, that person tried using it again. I had the USPS do an investigation on my mail and found someone had forwarded my mail down to an address in Florida ( close to where the atm withdrawals were done ) which explains how they got the atm card. The bank will not refund these charges. They total {$2300.00} all together with the atm fees. I have provided proof of the fraudulent activity and still they will not refund my money.
Consumer complaint received 2023-02-02
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/XXXX I received a email from capita lone that my online service information was updated which I did not do. On XX/XX/XXXX XXXX was taken out my personal bank account and transfer to XXXX XXXX. XX/XX/XXXX XXXX was transfer to XXXX XXXX On XX/XX/XXXX a company XXXX XXXX XXXX XXXX XXXX  charge XXXX on my credit card and on XX/XX/XXXX the same company XXXX XXXX XXXX XXXX XXXX  charge XXXX. My personal bank account funds was return on XX/XX/XXXX in the amount of XXXX. However capita one credit card department will not reverse the charges. 
I have had multiple credit card mail to my resident under names I have not assign as authorize users.
Consumer complaint received 2023-02-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (UT)

Upgrade.com- Upgrade inc. on behalf of XXXX XXXX XXXX has 2 loans open under my name and they sent me a notice in the application ( app ) stating that there was an adverse action notice in my Personal Line of Credit account. * '' Unable to verify identification of requestor* I contacted the company and they kept telling me they needed information. I submitted the information and no response. I then get a notice my accounts were frozen and i kept calling to verify that they received my information. To this day there has been no confirmation of receipt and the accounts have been closed. I asked for a paper response so that I can provide this information to the CFPB. Was told they are a finserve company and they only work with email. I expressed that there is an issue with their email because i have not received confirmation that they received my paperwork as requested. I was told by a few representatives that I must be doing something wrong. There is no PORTAL where I can upload the documentation, and there is no formal notification by mail to advise that the account is under threat of being closed sue to that " verification of requester '' request that they do initiate through the website portal.

Every time i call to get more information i get referred to emails that I have not directly received. I get updates once i call in and ask to speak to someone regarding my account. At this point I have 2 accounts that are now closed, can not utilize the line of credit and the balances are due, so i can not use the product that i was told i could utilize all because of what I believe is a faulty process and I am being penalized because their system is inadequate at receiving documentation other than in EMAIL, no portal access and no physical method to submit requested paperwork. 

XXXX XXXX XXXX. 
Accounts # XXXX, XXXX
Consumer complaint received 2023-02-03
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. (IN)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, 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, Illinois 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 {$4000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$8200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX {$4700.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

IN accordance with the fair credit reporting act 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 USC1666B : 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 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX XXXX XXXX that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

TransUnion is participating in fraud with XXXX XXXX XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.
Consumer complaint received 2023-03-09
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (RI)

In accordance with the fair credit Reporting act 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 credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

In XXXX, 2016, the escrow on my mortgage account went up {$31.00}. I was never contacted. I submitted the payment on-line, on-time as always. The next thing I know I receive an alert from my credit monitoring that I have a potentially negative item on my report. I investigated and contacted the company ( XXXX XXXX immediately ). I expalined the situation and was told that they would investigate. I called two weeks later yo inquire about the status. They explained that it would not be removed. I then proceeded to dispute with Experian, first online and then by certified mail. I included all documentation and proof that the payment was made on time. 
I also submitted the same information to XXXX. I have not received a second response. 

Experian refused to remove the information, despite providing all the documentation.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The account information that Transunion is reporting on my consumer report regarding XXXX XXXX XXXX Account # XXXX is inaccurate and or incomplete, causing me as an consumer a financial hardship.
Consumer complaint received 2023-03-09
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. (GA)

XXXX is reporting old XXXX accounts with a XXXX balance to my XXXX and TransUnion credit reports that should have been removed after loan rehabilitation was completed on the accounts in XXXX of last year. These listing are also reported to the credit bureaus as duplicate accounts often, which significantly negatively impact my credit score and prevent me from renting a home for shelter and opening new lines of credit.