davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (FL)

I am purchasing a home, When my credit report was run a Medical collection came up from a XXXX XXXX for XXXX they said they performed sevices in XX/XX/2015 I checked with my doctor and my records show no procedure was performed in XX/XX/XXXX of that year I did have a proceedure done in XX/XX/XXXX at a hospital where my insurance covered 100 % I contacted the Collection agency Eastern Account Systems They told me that XXXX who administers the Self funded Plan for XXXX County XXXX XXXX XXXX plan was disputing the charge. The Collection agency did not have the billing statements for the debt. When I told them that there was no record of the procedure the agent told me they would request a copy of the billing and get back to me when they had heard back from them. Also when I researched the XXXX XXXX I could find no record of them. XXXX county has been in touch and said that the XXXX procedure would normally be covered and they contacted XXXX who said they don '' t have access to the records and I would have to request in writing for them to search there archieves.My closing is XX/XX/XXXX the mortgage specilist assigned to me said that one collection is affecting my score almost 40 points
Consumer complaint received 2023-02-08
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. (GA)

I have been sending in disputes to Experian and XXXX regarding validating this bankruptcy because I saw inaccuracies and unauthorized public displays on how it was reported on my credit reports. Each time the bureaus sent me back a letter stating that the bankruptcy was validated with no proof of validation. So I did a little investigation myself and I wrote to the bankruptcy court to see if maybe the credit bureaus were not being honest in their methods of validation. They sent me a letter back stating that they do not disclose that type of information to XXXX, Experian, or XXXX. So technically all 2 credit bureaus lied to me about the validation even taking place. REPEATEDLY. XXXX is not even reporting it because they know it is a violation. I found this excerpt regarding the following information that is reporting : BANKRUPTCY DOCKET # XXXX According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Please note, a third-party furnisher of information, such as XXXX XXXX XXXX or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third-party source. According to the bankruptcy court ( letter attached ), they do not verify bankruptcies with credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or deleted the bankruptcy from my record according to FCRA, Section 609 a ( 2 ). The bankruptcy that is listed under DOCKET # XXXX  needs to be removed from my Experian and XXXX credit reports.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I recently pulled my free credit report and I noticed unauthorized inquiries on my report which led me to investigate further into these inquiries, someone has applied for 13 accounts. I have contacted the attached list of Creditors and informed them of this unauthorized use of my personal information.
Consumer complaint received 2019-10-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I was trying to look at a refinance through my Bank named Bank of America where I tried to outreach around XX/XX/XXXXand they stated it could take up 6 months to a year to have everything completed. The homeowners association was being very belligerent and pushy to get money from all of its owners. Along with that they would threaten people all the time. The homeowners association is XX/XX/XXXX for the property XXXX XXXX XXXX in XXXX XXXX XXXX. My name is XXXX XXXX and I lived at XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX. Also they were going to raise the association dues to about {$300.00} a month. That would put my total cost for mortgage and dues totaling about {$1000.00} a month where I could get a house where I didnt have to worry about an association. Now I know that this association is using all means necessary to keep me unemployed and homeless. This is my last hope.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-02-08
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. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-02-08
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. (TX)

I paid and closed my car loan on XX/XX/XXXX, and this company reported me 30 days late for XXXX even though the loan was paid in XXXX. That makes absolutely no sense, I need this late remark removed from my credit report.
Consumer complaint received 2019-11-14
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bridgecrest Acceptance Corporation (DE)

In 2009 my purse was stolen and it contained all my personal information ( driver 's license, social security card, birth certificate and all my children 's personal information ). When i got my credit report there were things that i didn't do. I contacted Bridgecrest/XXXX  about a car loan/lease that appeared on my credit report. I explained that I am a victim of identity theft and the loan/lease was opened fraudulently by someone else that is using my identity, I sent in proof of my identity theft. I sent a police report, affidavit from Federal Trade Commission, affidavit from DMV, and a statement from me explaining the situation.I have several attempts to rectify this situation and it's still here affecting my credit. It's affecting my life and i didn't even do it. I have never applied or accepted and loan/lease from Bridgecrest/XXXX, so it should be removed as soon as possible. My credit report says the estimated amount is for {$19000.00} and the account was opened on XXXX. I have knowledge of this account because i have never applied for any loans. After call after call and letter after letter, Bridgecrest/XXXX will not do anything.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I recently noticed a bankruptcy report on my credit report. I am wondering where did you get the information because it is reporting inaccurately. I have already contacted the court and in their letter, they stated they do not provide information to credit bureaus. The court is the original source to verify bankruptcy information. I also looked in XXXX as well. I know that you did not do your due diligence in " verifying '' this information because you have the name of the courts wrong. Can you please provide me with the name of the furnisher you verified this information with, who you spoke to, and the dates you contacted them? I would like to know how and where you verified this inaccurate information that is reported under my social security number on my credit file. 

You are also reporting inaccurate addresses on my credit report that I never lived at. I have made several attempts to dispute them but you refuse to remove them.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXXExperian XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 3. The following personal information is incorrect Employers : XXXX XXXX 4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

10. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (PA)

Upon review of my credit reports, I have discovered several hard inquiries that should not be present as I have not applied for any services from these creditor. 

XXXX on XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Truist Bank XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-02-08
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. (TX)

I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-08
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. (NV)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (MO)

Navy Federal Credit Union has frozen my accounts due to unlawful actions in the order of A XXXX Application of {$6700.00}. SCRA-Service Care Relief Act is in effect to protect me by law from unlawful incriminations. I went to the XXXX XXXX Office to dispute this incrimination on XXXX XX/XX/2023 and received an Exemption Letter being that I'm an XXXX XXXX Service Member. They faxed the exemption letter to Navy Federal and they received it on XXXX XX/XX/2023 at XXXX XXXX 

Effective frozen date XXXX XX/XX/2023 The date they sent the letter : XXXX XX/XX/2023 Date I received the letter : XXXX XX/XX/2023 2023
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Santander Consumer USA Holdings Inc. (IL)

The problem I have is that I cant waive any missed payments I went through a situation and the store I worked at got shutdown so I lost my job and missed some payments Ive been with the this bank for more than 3 years and Ive been making on time payments except for 4 This is 4 payments out of 40 payments Im trying to fix my credit score but by them not helping me waive the missed payments i cant fix it Its a night impact since its an active account Plus by not helping me they know for a fact that I cant refinance my car and kind of forcing me to keep paying the same rate which is more than 21 %, its so much and its killing me Please help me fix this problem I cant even rent an apartment with my score now, I didnt know anything about how credit score works Its a huge struggle for me now and I have to move to a different apartment in only 2 months I need to fix this as soon as possible Ill even pay for any service that would help me get out this situation Thank you so much for reading this
Consumer complaint received 2019-11-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (WA)

BMW Financial Services continues to report an auto loan on my credit report, despite me receiving a discharge from a bankruptcy in XXXX. I filed a bankruptcy onXX/XX/XXXXand received a discharge in XXXX, XXXX. However, they continue to report the status of the account. In XXXX, XXXX and XXXX, XXXX, they reported the account 30 days late. This is in violation of the bankruptcy discharge.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

In XXXX of XXXX, I wrote out XXXX checks from my personal checking account at Citizens Bank : Check Date XX/XX/XXXX, Check # XXXX, Payee XXXX XXXX XXXX XXXX, Check Amount {$6300.00}. 

Check Date XX/XX/XXXX, Check # XXXX, XXXX XXXX XXXX XXXX XXXX, Check Amount {$6300.00}. 

Someone got a hold of these checks and created fraudulent checks with the exact same check # and amount. The only difference were the names the checks were made out to. 

Instead of XXXX XXXX Vacation Owners a check to XXXX XXXX was deposited for {$6300.00} and instead of XXXX XXXX and XXXX a check to XXXX XXXX was deposited. 

I reported this fraud to Citizens Bank in XX/XX/XXXX once we realized what had happened. They submitted a claim, but it was denied because we didnt notify them in time. 

I escalated this to a banking contact at Citizens Bank and was put us in touch with someone in their fraud department. I left multiple messages for the fraud department, but never heard back.
Consumer complaint received 2023-02-08
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. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-02-08
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. (NC)

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.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (OH)

I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the three major bureaus : XXXX, XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 

Sincerely,
Consumer complaint received 2019-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX is reporting accounts that are invalid and unverified. XXXX has investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA if its a collection because this is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TN)

Ally Bank is attempting to re-age and/or change the dates they have claimed my auto payment was lateand this has directly impacted my ability to obtain a mortgage. In report XXXX they report 30 day late payments on XX/XX/XXXX and XX/XX/XXXX. When challenged they changed the dates to XX/XX/XXXX and XX/XX/XXXX. Ally also repeately reports a much higher balance with a 3 month delay in updating the balance. Current balance is not {$19000.00} Ally has repeately misrepresented this account with all three credit reporting bureaus.
Consumer complaint received 2023-02-08
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. (MO)

I sent a letter on XX/XX/XXXX, to remove some items that are UNKNOWN to me. Im resubmitting a complaint to you today to inform you I was the victim of identity theft. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$830.00} ; XXXX XXXX Balance  : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$25.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX