davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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. (MS)

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 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 XXXXXXXX 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 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 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

It's been 56 days since I've sent in a letter to each credit bureau requesting that that they tell me how they verified some inaccuracies on my credit report. They sent me a vague response with no explanation and now I feel like I am being taken advantage of. My credit is a serious matter to me and I feel like they are not taking the issue at hand as important as they suppose to. I am prepared to file for litigation if necessary. I need assistance with this issue.
Consumer complaint received 2017-08-24
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. (IL)

I have been in contact with all three credit bureaus and collection company XXXX XXXX XXXX c/o XXXX XXXX since XXXX XXXX, 2016 with no success ; XXXX XXXX XXXX is currently reporting invalid information to credit bureaus agencies I have never rented an apartment from XXXX  XXXX ; I have request Debt Validation and verification on numerous occasions neither companies have replied. Have filed formal disputes with all three credit bureau agencies and somehow they keep sending results back verified. How can they get in touch with anyone when I am using the same contact information listed on reports the phone number is valid the address I am believe to be accurate because no mail has been returned. I know this is not my account and if XXXX can not furnish information to submit debt within 30 days they need to stop reporting/ verified inaccurate information to credit bureaus.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX still reports delays in payments on cars that I have paid in full, this is due to the fact that during the COVID 19 pandemic, I had a delay with the payment of the bills of my 2 vehicles, however this delay was generated by adjusting to the refinancing policies and payment options that they offered due to the world problem, I adapted to their consideration measures for those of us who were without commercial and productive activity, by phone call we agreed that the payment of the delayed bills would be made at the end of the credit commitment, and indeed we agreed on that, now time later it continues to stain my reports and I appear in 3 credit bureaus with delayed payments, affecting my growth, my reputation, my capacity and credit reports, I have spoken with them on several occasions, telling them that these delays occurred in accordance with the payment policies previously agreed with them, but no, they still have not removed me from the re postage nor do they seem to comply with what was negotiated at the time. Even though the 2 vehicles I bought from them are paid, I have already paid off the total debt, but the stain that occurred during the pandemic and that I had agreed with them as a financial institution continues to appear.
Consumer complaint received 2017-03-08
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I used to own a property with my ex-girlfriend. When we split, I quit claim deeded off the property so she could refinance the loan out of my name and solely into hers. Instead of refinancing, she modified the loan without my knowledge. The lender acknowledges that I was and am not an owner of the property and never signed loan documents for the modification but refuses to remove the modification from my credit report. This is severely negatively impacting my credit and I had no knowledge that the loan was modified in my name. I was able to obtain a copy of the deed and it even states that the borrower ( my ex-girlfriend ) claims that there was no change in ownership of the property since the original loan, but there was a change, as I was removed from being an owner. Also, it is my understanding that it is illegal to place a loan in someone 's name or modify a loan without the knowledge and consent of the person whose credit is being affected by the event.
Consumer complaint received 2016-10-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was victim of fraud due to some fraud activity which has happened through ( XXXX ) online, due to the mistake of Bank ( Bank of America ) my report has been generated in XXXX and my checking account has been closed. 

I am explaining the background of the issue along with all supporting documents and let me if you require additional details. 

Back ground of Issue : On XXXX/XXXX/2016, I have received a letter along with check of {$1700.00} from XXXX to do some customer survey on XXXX XXXX and XXXX XXXX money transfer services. 
On the same day I deposited the same check into my Checking account from Bank of America ( Account # : XXXX XXXX ) and it will clearly showing that check has been deposited on XX/XX/XXXX. The next day bank has put this particular check on hold and its clearly mentioned it will get approved on XXXX/XXXX/2016 i.e. 10 days. 

On XX/XX/XXXX bank has approved this transaction and funds were available {$1700.00} in my account, so on the same day I withdrew money of {$1500.00} and did the customer survey as they have mentioned in the letter. 

I also attached the copies of receipts for the money transfer I have done through XXXX and XXXX XXXX on XX/XX/XXXX. 

After 45 days I received a letter from Bank of America, stating that this particular check which has mentioned above was not paid and returned back and asking me to pay the money of {$1700.00}. Then i visited the local Bank of America branch with the letter and explained my situation and they accepted their mistake since they have approved check after 10 days of hold, however they told they cant do anything except charging the money to customer. 

After 2 months they submitted the report to all agencies like XXXX and XXXX which results to closing my checking account and denying to opening new account with any other banks. 

Last month I requested report from XXXX and XXXX, now i am requesting with all the above explanation to remove my report and allow me to open a bank account. 
It is totally because of banks fault, they have made funds available after the 10 days hold on this particular check, so I thought it was a valid and check and withdrew money. If the bank was n't approve the money after 10 days of check verification, I would n't have transferred money to other parties. Other than that I did n't do any fraud or cheat in any aspects. 
Finally what I wanted to convey you is I am not a fraud and did n't commit any fraud activities, I was a victim of fraud that too due to banks mistake and some strange persons cheating. 
Please consider this, and remove report from XXXX and XXXX as i was suffering from fraud activity and being without bank account more than one and half month ( my salary also in pending since i dont have bank account ) that too i did n't do anything intentionally to cheat bank or any other financial institute. 
All the supporting documents will be provided, if required. 
Appreciate your support in this regard Thanks in Advance, XXXX XXXX ( XXXX )
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2017-08-24
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. (IL)

I have been in contact with all three credit bureaus and collection company XXXX XXXX XXXX c/o XXXX XXXX since XXXX XXXX, 2016 with no success ; XXXX XXXX XXXX is currently reporting invalid information to credit bureaus agencies I have never rented an apartment from XXXX  XXXX ; I have request Debt Validation and verification on numerous occasions neither companies have replied. Have filed formal disputes with all three credit bureau agencies and somehow they keep sending results back verified. How can they get in touch with anyone when I am using the same contact information listed on reports the phone number is valid the address I am believe to be accurate because no mail has been returned. I know this is not my account and if XXXX can not furnish information to submit debt within 30 days they need to stop reporting/ verified inaccurate information to credit bureaus.
Consumer complaint received 2016-07-13
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ResidentCollect, Inc. (TX)

I moved out of XXXX XXXX XXXX because of MOLD and infestation of roaches. I did not break my lease and I left the MOLD in the bathroom and refused to clean up anything. I have evidence with pictures. I contacted them and they refuse to tell me what the {$1100.00} charges are for. They added the same amount to my credit I called them since XXXX and they refuse to work with me and keep adding the account to lower my credit.
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (NV)

Equifax resinserted inquiries and a address that was removed from my equifax credit report over 1 year ago. Equifax reinserted the inquiries and the address even after the data breach. Per FCRA laws equifax was supposed to inform me within 5 days of the reinsertion along with documentation that confirms why the inquiries was reinserted. I filed a dispute directly with equifax concerning the inquries and Equifax did not bother to reinvestigate. The same day I disputed the inquiries equifax sent me the same pre-ready response saying " verified ''. I filed a complaint with FTC and sent the report usps certified mail to eqiufax. The address that was removed eas : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That address does not even show on XXXX XXXX file. I sent equifax a copy of that a while ago. I have attached the FTC report to this complaint. This has caused me to be turned down for increases and credit with XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Balance : {$450.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXXXX
Consumer complaint received 2023-01-26
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Balance : {$450.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-28
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

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 2017-01-13
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY (GA)

I opened a credit card with American Express and they gave me a limit of {$10000.00}. They asked if i would like to add a family member 's name to the account and have a card sent out to her ( my wife ). They said on the online form that they needed her SSN and that they would not run it, just have it on file for identification purposes. A few months later they arbitrarily reduced my credit limit by {$6000.00} and said that I was carrying too many cards with high balances. I only have 2 other cards and and the limits on those are {$4000.00} and {$500.00}. Then It turns out that they 've run my wife ' credit without her permission and have somehow used her credit score to reduce mine AND reduce my limit. Her credit score has taken a hit, and they 're reporting that she has a balance with them of {$2700.00} ( having never even spoken with them ).
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

It's been XXXX  days since I've sent in a letter to each credit bureau requesting that that they tell me how they verified some inaccuracies on my credit report. They sent me a vague response with no explanation and now I feel like I am being taken advantage of. My credit is a serious matter to me and I feel like they are not taking the issue at hand as important as they suppose to. I am prepared to file for litigation if necessary. I need assistance with this issue.
Consumer complaint received 2023-02-28
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-01
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)

I am writing to file a dispute against TransUnion, XXXX XXXX XXXX consumer credit reporting agencies, for their violation of my right to privacy and their unlawful furnishing of data onto my credit report without my written consent on 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  According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i credit reporting agencies like TransUnion, XXXX XXXX XXXX are required to obtain written consent from consumers before furnishing their data to third parties. However, I have recently discovered that TransUnion, XXXX XXXX XXXX has furnished data onto my credit report without my written consent, which is a direct violation of my rights under the FCRA. 

Furthermore, TransUnion, XXXX, & XXXX has not been transparent about the data that they have furnished onto my credit report. They have failed to provide me with a clear and complete disclosure of the nature and scope of the information that they have collected and disseminated about me. 

As a result of TransUnion, XXXX XXXX XXXX actions, my privacy has been violated and my credit report has been negatively impacted. I have suffered financial harm as a result of TransUnion, XXXX XXXX XXXX unlawful furnishing of data, which has caused me to be denied credit or to receive credit on unfavorable terms. 

I am requesting that the Consumer Financial Protection Bureau investigate TransUnion, XXXX, & XXXX for their violations of the FCRA and take appropriate action to ensure that my privacy is protected and that they cease all unlawful furnishing of data onto my credit report without my written consent Thank you for your attention to this matter.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Clarity Services, you are hereby given notice : On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX you were notified that I was requesting certain sources of information found upon my consumer report and within my consumer file. I was contacted by phone after the XXXX complaint to the CFPB and informed that my request must be mailed to your XXXX XXXX XXXX. I mailed that written request by USPS Priority Mail, with tracking, and can verify receipt. Despite complying with your instructions and multiple complaints to the CFPB, you have still not provided the information. Neither have you even come close to addressing the complaints made to the CFPB. Your violations of the FCRA have escalated from negligent to willful since you have been provided notice of this issue multiple times. Further, every response that you have provided to my CFPB complaint has directed me to contact Experian. This complaint does not involve Experian. You are a subsidiary of Experian. The FCRA does not allow Experian to respond to a complaint against Clarity Services unless certain criteria are met, and those criteria do not exist here. Clarity Services published inaccurate information on my consumer report. I requested the identity of the sources of certain identified information from Clarity, not Experian. The XXXX of XXXX is designated as such for Clarity, not Experian.
Consumer complaint received 2023-05-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

On XX/XX/2023 I received a notification that my credit score was decreased by XXXX points due to 1 late payment from Carrington Mortgage. I have never made a late payment to Carrington Mortgage. When I contacted Carrington about this problem, they informed me that they mistakenly applied a payment to my escrow instead of the principal and then applied the late payment. My payment history does not have record of a late payment. The mortgage did not notify timely of the increase in escrow. I have no problems with making payments and making the payments timely. The mortgage also stated that they were sweeping my payments prior to add escrow. They then increased my payments for two months without prior explanation in request for payments. This information is not being logged as billed out on my payment history log.