davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
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. (MO)

after sending disupute letters to each bureau, certified mail XX/XX/2022. I waited for a response of the investigation and i have still yet to receive anything from either bureau. 

i take my credit very seriously and the number of violations and inaccurasies on my report is costing so much more money and im preparing for legal action to seek damages from failure to comply with FCRA laws due to blatant disregard for following the laws in place.

under 15 usc 1681 e b- accuracy of a report, it is the CRA to report 100 % maximum possible accurate information on a consumer, so these accounts are in violation of that law and need to be deleted from my credit report immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these accounts are either or all closed, the dates reported dont match along with the remarks made from each bureau causing me to have all different credit scores. They are held responsible for reporting accurate info and they failed to do so causing inaccurate reports which is law violation and a reason why I can seek damages for this inconnviennce.

under 15 1602 p- unauthorized use of my information, i have never given any written consent for any of this plus these inquiries to be reported to my credit report, ive called and asked the creditors to send me the document showing my hand written signature they couldnt do it, so this is fraud and no consent is fraud so i also demand these items to be removed immediately : 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 all of this is what I stated in my dispute letters, I dont beleive in threatening a law suit but this is just a XXXXXXXX XXXX job of them not properly doing an investigation and upholding the fcra/fdcpa laws and im ready pursue legally at the maximum extent.
Consumer complaint received 2022-08-03
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: EQUIFAX, INC. (NY)

Need you to investigate the following account Account # XXXX Account name : XXXX XXXX I request you provide me proof of this alleged payment being late. If unable provide or lacking proof of this payment late, update payment history to paid as agreed never late XXXX XXXX XXXX 
Please provide me detailed description of all procedures used in your process to determine complete accuracy of information reported. Once you have finished your investigation, send me an update credit report to the address stated XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX
Consumer complaint received 2022-08-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-08-03
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. (NY)

Need you to investigate the following account Account # XXXX Account name : XXXX XXXX I request you provide me proof of this alleged payment being late. If unable provide or lacking proof of this payment late, update payment history to paid as agreed never late XXXX XXXX XXXX 
Please provide me detailed description of all procedures used in your process to determine complete accuracy of information reported. Once you have finished your investigation, send me an update credit report to the address stated XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

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.

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 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NY)

I.C.Systen, Inc has violated my privacy rights with aggravated identity theft by reporting NEGATIVE information about me to third-party consumer reporting agencies without my consent. This is considered harassment and per 15 USC 1692d ( 3 ), can not advertise debts to coerce me into paying them. 

Each violation applied : {$8000.00} due for each violation. 

VIOLATIONS : - 15 USC 1681a ( 2 ) ( A ) ( i ) - 15 USC 1681b ( a ) ( 2 ) - 15 USC 1681n - 15 USC 1681o - 15 USC 6802 - 18 USC 894 - 15 USC 1692d ( 3 ) - 15 USC 1693I I am seeking {$8000.00} in damages due to the MULTIPLE violations that you have acted on. This has triggered pain and suffering by emotional distress, risking my livelihood, mental health, and physical health. 

As stated above, I.C. System, Inc has violated me with aggravated identity theft. 
I can not be forced to waive my rights as a condition of 15 USC 1693I. I have the right to opt out of non-affiliated third-party reporting. I.C. System, Inc must disclose my right to opt out and has committed fraud, which has no statute of limitations
Consumer complaint received 2022-08-03
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: EQUIFAX, INC. (NY)

Equifax took off the information from the previous report with the consumer finance protection and than they put the information back on their. 

XXXX still has my name spell wrong. 

Both I would like to press statutory charges on. Each XXXX Who is XXXX XXXX XXXX I sent in a copy of my i.d . and 2 different froms of proof of address /.

Sue all 3 fro still having incorrect information =XXXX
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IA)

I open an account online and they froze my account then they unlocked it then I deposited more money and then I ordered a debit card and then I tried to use the debit card and it was declined now they want me to identify myself
Consumer complaint received 2022-08-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I attempted to resolve the issue with this company via written communication as is my right via email. The company continued to ignore my requests and would only reply with " Call this number '' ( examples attached ). I notified XXXX XXXX & XXXX XXXX ( Third Party Debt Settlement Specialists ) on multiple occasions that I do not consent to my voice being recorded, and these individuals continued to insist on me calling their recorded line. They made no good faith effort to assist me with my issue. The issue at hand is the companies FCRA violations. I have no contract with this company. I never gave this company permission to utilize my consumer reports as is required pursuant to 15 USC 1681b ( a ) ( 2 ). I am aghast at this companies violative business practices. Not only does this company have no contract with me, they have no permission, but they are also reporting inconsistently on my consumer reports ( attached ). As a consumer, under the FCRA I am entitled to maximum accuracy on my consumer reports. This company has defamed my character, harmed my financial reputation, and is unwilling to work with me in good faith. Attached will be proof of not only my attempt to work with PRA Group, but also the federal violations. This alleged debt obligation has been on my consumer report for multiple years. I have been denied multiple extensions of credit because of this account. These denials are a direct result of this account being on my report illegally. As mentioned in 15 USC 1681n - any person ( company ) who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages. This company has a long history of abusive practices as can be seen by the complaints not only on the XXXX  but also the CFPB. The CFPB has taken action against Portfolio Recovery Associates in the past for the same exact thing that is happening to me currently. There is no excuse for their action as they have been in business for over 30 years and ignorance of the law is not an excuse.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MN)

I am having a problem getting my free annual report XXXX XXXX, Experian and XXXX. I want XXXX XXXX, Experian and XXXX to mail me a copy of my free annual credit report. Full Name : XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX, Minnesota XXXX License Number : XXXX, Issued Date : XX/XX/XXXX, Expiration Date : XX/XX/XXXX, Email Address : XXXX, Phone Number : ( XXXX ) XXXX
Consumer complaint received 2022-08-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (IL)

One main Financial has denied me a loan base on my XXXX situation. A previous loan was approved wi the same XXXX income and documentation. A new application denial base on underwriting stated that they are unable to confirm the income. Same income was use for the account that is open. I try to summit all the documents that stated the dates of my continue XXXX status, bank statement that proves the deposit of the income and doctors notes. This is a XXXX discrimination
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (OH)

On XX/XX/2022 i received a box of XXXX  delivered from XXXX.Did'nt order them, so i callen XXXX to ask why i received them? I was told it was part of an order placed online and the rest of the order would be comming from the seller.It... they said was an adjustable camping cot with mattress and the total charge placed on my Barclays cc was XXXX XXXX I told XXXX i never ordered anything from them and stopped the order. I also called Barclay 's and filed a disputed fraudulent charge with them. Two months later on XX/XX/2022 i received a reversal from Barclay 's putting the charge on my credit card.The e-mail addy usedXXXX is not and never was an e-mail that i ever used.I nor my wife ever placed an order for this at XXXX Other than the XXXX we never received anything else from XXXX I brought this fraud to XXXX and Barclay 's XXXX. and stopped the transaction before it was finalized.I have tried so many times to resolve this with them that they ( WalmartXXXX XXXX XXXX will no longer take my calls! Post office says tracking # was a 1st class 16 oz or less pkg delivered which i never received.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-08-03
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. (TN)

XXXX, XXXX, and Experian each received false information from XXXX XXXX reporting our account as more than 30 days past due when it never was. The mistake was made due to massive computer issues at XXXX. We have been working to resolve this issue through all XXXX companies since early XXXX. According to XXXX, they have removed it from all three reports. XXXX XXXX conference called with XXXX and confirmed that there are no longer any late marks. XXXX and Experian are not changing my credit report in spite of being contacted by XXXX XXXX because they say they cant get the information from XXXX. 

Due to all of these problems as well as XXXX doing damage by making a hard pull without my permission, we are about to lose our home weve been building for 5 months because this is keeping us from getting our mortgage loan.
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion, XXXX, and XXXX each received false information from XXXX XXXX reporting our account as more than 30 days past due when it never was. The mistake was made due to massive computer issues at XXXX. We have been working to resolve this issue through all four companies since early XXXX. According to XXXX, they have removed it from all three reports. XXXX XXXX conference called with XXXX and confirmed that there are no longer any late marks. Transunion and XXXX are not changing my credit report in spite of being contacted by XXXX XXXX because they say they cant get the information from XXXX. 

Due to all of these problems as well as XXXX doing damage by making a hard pull without my permission, we are about to lose our home weve been building for 5 months because this is keeping us from getting our mortgage loan.
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XXXX BANK OF AMERICA {$100.00} deposit, {$25.00} {$25.00} {$50.00} XXXX XXXX XXXX XXXX Lost deposit {$180.00} {$100.00} {$75.00} {$60.00} {$40.00} {$50.00} {$120.00} {$80.00} {$70.00} {$170.00} XXXX XXXX XXXX Account number XXXX Routing number XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social security XXXX XXXX Submit Complaint Top Right
Consumer complaint received 2022-08-03
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: EQUIFAX, INC. (TN)

XXXX, Equifax, and XXXX each received false information from XXXX XXXX reporting our account as more than 30 days past due when it never was. The mistake was made due to massive computer issues at XXXX. We have been working to resolve this issue through all four companies since early XXXX. According to XXXX, they have removed it from all three reports. XXXX XXXX conference called with XXXX and confirmed that there are no longer any late marks. XXXX and XXXX are not changing my credit report in spite of being contacted by XXXX XXXX because they say they cant get the information from XXXX. 

Due to all of these problems as well as XXXX doing damage by making a hard pull without my permission, we are about to lose our home weve been building for 5 months because this is keeping us from getting our mortgage loan.
Consumer complaint received 2022-08-03
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # 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. I have never give any written instructions or consent to have my information published publicly.
Consumer complaint received 2022-08-03
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. (TX)

I have contacted each of the credit bureaus to investigate the following items that negatively affect me. Not only have each of the accounts violated my right to privacy promised under 15 USC 1681 Section 602 A but they have also been furnished without my written consent or instruction which violates Section 2 of the aforementioned law. 
The accounts are : XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX To date, the credit bureaus have not responded within the 5 business days as mandated by 15 U.S. Code 1681i Section 2 ( A ) : " Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ''
Consumer complaint received 2022-08-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: MECHANICS BANK (TX)

MECHANICS BANK HAD REMOVED THIS ACCOUNT FROM THE CREDIT FILE BECAUSE THIS ACCOUNT WAS IN A BANKRUPTCY. AFTER THE BK WAS DISCHARGED MECHANIC BANK RECENTLY ADDED THIS ACCOUNT BACK TO THE CREDIT REPORT AS OPEN AND DELINQUENT.
Consumer complaint received 2022-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NJ)

I have a mortgage with TD Bank I have 2 issues 1. I was making my payments monthly & around XXXX XXXX of XX/XX/XXXXmy payment was not applied correctly after numerous calls TD bank told me it was applied correctly & I still owed the current month and the next month. 
( They later applied the payment correctly ) At that point they said I owed 2 months and I couldn't catch up. 
This made me go into foreclosure for about 4 years until I was able to work out a modification. 

Having this foreclosure on record obviously cost me tremendously both monetarily & physically. 

In addition, I have not received a monthly mortgage statement for years I have asked multiple times for a statement but to no avail. 
I am now trying to buy a different house ( something that I was not able to do for years due to my foreclosure issue which was a direct cause of TD Bank. 
Now when I finally went to the bank to get a statement as the new mortgage company told me I need it I see have a past due amount of XXXX ( legal fees which are not due to be paid back until the end of the mortgage ) as legal fees. 
This is causing me tremendous losses and aggravation I feel the bank has violated the Truth in Lending Act more than once.

1.originally when they put me in foreclosure due to the misapplying the monthly payment 2. not sending me the monthly mortgage statements ( which has caused me additional penalties ) possibly losing my new house as It says i am behind on my payments.

I had to rush to pay this outstanding legal fees off that I dont have to pay until the end of the mortgage to see if i can still get this mortgage.