davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-07
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: Experian Information Solutions Inc. (OK)

I have previously disputed XXXX XXXX XXXX XXXX XXXX and in response Experian verified the item as accurate stating they verified the information with the court. 

I contacted the court, and it is clear they do not report to Experian or any credit bureau for that matter ; therefore the original response verifying the item with the court was either an error or false. 

The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2023-01-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

My car was totaled on XX/XX/XXXX - Car Insurances paid the loan except for {$590.00}. I have received a total of XXXX final bills with different amounts. On my credit report ( Experian ) showed in XXXX that I owed XXXX. In XXXX, Experian added {$400.00} to my balance. I had an opportunity to speak with the finance company and according to their records my balance is {$600.00}. I have continually asked for a final bill but have never received XXXX. Now the company has listed on my credit report that I have been late for XXXX  months while the insurance company resolve payment on the totaled car. 
My contract with the finance company went to XXXX.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (CA)

I received a copy of my consumer report from XXXX XXXX XXXX which contained me personal information from Navy Federal Credit Union ( NFCU ). The accounts I hold with NFCU are personal checking and savings accounts. The terms and conditions for Navy Federal Credit Union explicitly state on pages 16 & 17 that NFCU DOES NOT share personal information with nonaffiliates. XXXX XXXX XXXX is a nonaffiliate. NFCU and XXXX XXXX XXXX intentionally violated my federally protected rights and my rights as a resident of California by sharing and disclosing my personal information without my written consent or seeking to obtain my written consent. Specifically, NFCU and XXXX XXXX XXXX  violated 16 CFR 313.1 which states in part that it is the policy pf Congress that they must protect the security of my nonpublic information. They also violated 15 USC 1681b which states that my personal information can only be furnished without the written consent of the consumer which is me. They also violated 15 USC 6802 which provides the specific steps that NFCU ad XXXX  XXXX XXXX  should have taken with respect to their obligations to protect my personal information. They also violated the Privacy Act of 1974. They also violated 17 CFR 248.6 and 17 CFR 248.7. These violations are subject to monetary compensation paid to me immediately under 15 USC 1681n and 15 USC 1681o. It is also afforded to me under the laws of the state of California, specifically UDAAP, and The California Financial Information Privacy Act ( FIPA ), Financial Code 4050-4060 which limit the sharing of personal information off consumers by banks to 3rd parties and nonaffiliates which XXXX XXXX Services is a nonaffiliate. Other laws provided by the SEC, FTC, DFPI, CCPA, and the state and federal offices of the Comptrollers are charged with enforcement and oversight of these violations. As such, California state law allows for monetary damages for each violation. As precedent, as of on or about XX/XX/XXXX, XXXX XXXX XXXX  just entered into a settlement for numerous violations of consumer laws for {$3.00} XXXX.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (PA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2023-01-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: Grain Technology, Inc. (LA)

XX/XX/2023 GRAIN TECHNO XXXX XXXX Account XXXX XXXX Account XXXX Customer noted that that his credit limit was decreased even through the account was current and has never had a late payment. 

This is a fraudulent action and needs to be handled immediately.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

According to my recent credit report request from XXXX, Equifax, and XXXX and there are several inaccurate account inquires on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires XXXX XXXX  notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification : XXXX XXXX XXXX XXXX Inquiry occurred twice without my permission and is fraud. 
Address XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX inquiry occurred twice without my permission and without my Identification. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2017-01-13
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY (IN)

XX/XX/XXXX Wells Fargo letter arrived " Congratulations, You 're getting an upgrade ''. If you do n't want to upgrade instructions were followed prior to the stated XX/XX/XXXX date via XXXX with a male customer service representative. with a disconnect between department transfers and extended hold time. 
An immediate follow-up yielded even less rewards due mainly to my now attitude. XXXX follow-up same transfer between departments. Each transaction my desire not to upgrade presented. XXXX same run around only now a lack of activation of new card would yield deactivation of old card and decline of purchase transaction as of XX/XX/XXXX. XXXX follow-up XX/XX/XXXX yielded nothing. XX/XX/XXXX follow-up and notification, Not activating card and questioned affects on credit standing, provided the response ie : card updated in XXXX and ca n't be reversed, and did not know how my credit would be affected after noting long time customer might have an effect on the reporting. Also, could not provide anyone to respond to credit question. No reverse of upgrade or credit limit would be possible even after Four ( 4 ) request Not To Upgrade over a three ( 3 ) month period. 
Customer Received a Product They Did Not Request. Even after several denial request. 
Might Damage Credit Scores, and possible wife 's?
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the fair credit reporting act. the list of accounts below has violated my federal protected customer rights to privacy and confidentiality under 15 USC 1681. 

XXXX bank 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 XXXX XXXXXXXX # 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 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 items 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 2023-01-02
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. (LA)

XXXX XXXX TRANSUNION ACCOUNT XXXX Reported Late Payment in XX/XX/2019 when payments were current within 30 days of the reported late payment.
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

XX/XX/XXXX - Paid a {$200.00} deposit for a secured credit card ( email available ) XX/XX/XXXX - After prompt payments and adherence to terms, notification received that ( per terms ) I would be receiving my {$200.00} deposit back. Credit card was switched to an unsecured credit card and credit line increased to {$500.00}. 
XX/XX/XXXX- Discover was first notified that I had not received my deposit back. They would not provide a tracking number, but assured me it had been sent on XX/XX/XXXX. Never received. I instructed them to put a stop payment on the check ( if it had been sent, but I don't believe it was ) and re-issue. I was told I'd receive the new check in 30 days. ( XXXX spent : XXXX minutes ) XX/XX/XXXX - Discover notified a second time that I had never received my deposit back. I was asked for my checking account number and routing number, then was told " I have submitted this info to my supervisor and you will receive the ACH refund within XXXX business days after the request is processed. '' I was told they could not provide me with an email confirmation, to which I replied that I'd save the chat log as evidence. They advised that they also save chat logs for 13 months, so my entire chat history should be available to you upon request. ( Time spent : 1 hour 9 minutes ) XX/XX/XXXX - Asked for confirmation that the ACH was processed. No response. ( Time spent : 3 minutes ) XX/XX/XXXX - Asked for confirmation that the ACH was processed. No response. ( Time spent : 3 minutes ) XX/XX/XXXX - Deposit still not received. Paid entire balance due today and notified Discover that I would be filing a complaint after unsuccessful attempts at resolving the matter with them directly and a year having gone by.
Consumer complaint received 2016-06-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

I was working on a short sale with XXXX. They countered XXXX and my client approved. We were just waiting on XXXX XXXX approval. In the middle of this process the negotiator told me that the loan was being sold to Rushmore XXXX XXXX. I could not talk to Rushmore because the file had not been transferred. XXXX XXXX I called Rushmore and they said they could not speak to me because the file did not transfer to them yet. This process took a week and a half. In the meantime I saw there was a foreclosure for XX/XX/XXXX. I asked the representative if that would be an issue an she said no. I was finally assigned a negotiator and he ordered the BPO. However last week he told me his supervisor said that Rushmore needs 60 days to complete the short sale. I was close to getting an approval with the previous servicer and I believe it is unfair for them to schedule the short sale foreclosure sale date without even giving us the opportunity to complete the sale.
Consumer complaint received 2024-10-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (KY)

My HELOC payment is due on the XXXX  of every month. It should be calculated about 25 days before it is due. My XXXX payment is still showing {$0.00}. That can not be correct because I am carrying a balance of {$34000.00} so I should owe roughly {$350.00} each month depending on interest rate. This is shellpoints error that they will later try to hold me accountable for ( I.e. doubling my payment for the following month which will be a struggle for me to cover. I called Shellpoint and spoke to someone twice this week ( XX/XX/XXXX and XX/XX/XXXX ). I was given no information in the first call ( XX/XX/XXXX ) and she stated someone would call me back in 24 hrs. That did not happen. I called back a second time ( XX/XX/XXXX ) and still got no answers. I need my payment calculated so I can pay it before the due date of XXXX. This company has had my HELOC for 4-5 mos and theyve screwed up my payments every month except last month.
Consumer complaint received 2016-06-27
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION (TX)

I purchased gas on XX/XX/2016 from a XXXX XXXX XXXX in XXXX Tx. I paid {$30.00} at the pump. BBVA Compass Bank deducts the amount from your account as soon as you make a purchase, even if the company you are purchasing from gets their money right then or not. Today, XXXX XXXX 2016, they deducted the same amount AGAIN for that purchase. I called the bank and ask why did Compass Bank deduct the same {$30.00} from my account, I was told they only deduct one, but when you use your check card to make a purchase, they deduct the amount right then with the remaining balance above showing what you have just spent, even if the company gets their money right then or not, Compass Bank will show they have all ready deducted that purchase. XXXX XXXX, 2016, I checked my account that evening and there was nothing pending. I had a balance of {$20.00} in my checking account, so I online transferred {$50.00} from my savings to my checking giving me a balance of {$70.00} with nothing pending or in process. I called the bank when I seen this on my statement. I was told to show them XXXX of the same purchases. How can I do that when Compass Bank erases the first one and only showing you the one they want to. I just gave Compass Bank {$30.00} of my hard earned money. this is not the first time I have called Compass Bank about the same thing. They do n't do it back to back, they wait a few months in between to do this. I have a family to raise, and I watch every penny. I check my on-line statement everyday and will call when i see something wrong.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my XXXX XXXX. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX alert from Experian that my XXXX XXXX had dropped by XXXX XXXX due to a delinquent payment for a XXXX XXXXXXXX XXXX account XXXX a challenge with Experian regarding delinquent payment and included information that clearly showed the balance XXXX {$0.00} and in good standing ; then called Credit XXXX and they confirmed and claimed they had NOT reported my payment as delinquent. Representative stated I would receive documentation stating this ( nothing sent ) XXXX-Called Experian and they simply stated they did not have to do anything and it was my responsibility to contact the company and figure it out. I called XXXX XXXX and after several attempts finally found a supervisor that found the error. The company had reported on a OLD and CLOSED account. I requested, again, for something in writing for my records and so I could file another challenge with proper documentation from XXXX XXXX. Again, nothing received and when I called again on XX/XX/XXXX to confirm that the letter was going to be sent I was told by that representative that they did not do things like that and could not do so. I stated they could and legally had to do so. Again, nothing has been sent. My credit score remains impacted and the delinquent payment is still on my report and on XX/XX/XXXX I received notification FROM XXXX XXXX  showing my score had dropped on their report by XXXX ptsdespite my account being at {$0.00} and no payments due.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$130000.00} XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$0.00}