davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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Consumer complaint received 2023-04-08
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. (IL)

The car dealerships shopped my credit around without my permission. The credit bureaus are reporting false information and it's hurting my chances of attaining lines of credit. I did not authorize any of the accounts. I did not give anyone the okay to use my information to attain credit. 
Under XXXX5 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 agency can not furnish a account without my written instructions 15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the expressed permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection of any debt 15 U.S.C 1692B : Acquisition of location information
Consumer complaint received 2023-04-19
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
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)

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 them immediately in my report : 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 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 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
Consumer complaint received 2023-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

After successfully referring a friend to open an American Express Blue Cash Everyday card ( from my account ending in XXXX ), I was informed on XXXX XX/XX/XXXX that I had earned XXXX reward dollars, as expected. 

It is now XX/XX/XXXX and despite having spoken to customer services several times over the past two months - who agreed I was owed XXXX and assured they were working on it - I have still yet to receive the credit.
Consumer complaint received 2022-11-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. ()

I have a vehicular loan with Ally financial inc, they are calling me regarding a XXXX XXXXXXXX XXXX and are attempting to collect a debt. Operating as bank holding company and debt collector is illegal and they are violating the fdcpa
Consumer complaint received 2017-06-02
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: EQUIFAX, INC. (TX)

On  XX/XX/XXXX , I disputed the unauthorized inquires on my credit report as fraudulent and unauthorized. Within 24 hours, I received a reply from Equifax stating that the inquires are accurate and a factual record of the files accessed. However, they did not complete any investigation to verify the inquires. I have had my identity stolen 3 times within the year and these inquires are not mine. I would also like to mention, that none of these inquires are tied to a positive or negative accounts on my credit report. I have attempted to contact all the companies to have the inquiries removed and all the companies referred me back to the credit bureau as they have no active accounts tied to me name.
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I have requested that the following inquires be removed :    XXXX   XXXX      XXXX   XXXX   An Inquiry that is tied to no name at al  XXXX   XXXX   XXXX  / XXXX    XXXX   XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX
Consumer complaint received 2017-07-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

I have obtained a new copy of my credit report while going through it carefully I noticed that on several accounts Experian has placed in the 'Status Details ' in the 'Your Statement ' area. This is evident because other accounts have this placed in that area. <P/>I have not noticed until now that it is suppose to be the outcome results but they have deceptively placed things that I have not authorized to be there, nor made a determination to those exact statements that are used by CRA 's placed there. <P/>These accounts are XXXX XXXX with a statement that reads : Your Statement : Account previously in dispute - investigation complete, reported by data furnisher. <P/>XXXX XXXX : Your Statement : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX XXXX, which I never disputed there is a statement that reads : Your Statement : Account previously in dispute - investigation complete, reported by data furnisher XXXX XXXX XXXX, which I also never disputed there is a statement that reads : Your Statement : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX XXXX, in which I had 2 accounts because one car was lost/stolen and that was the one was disputed but the current account that is listed I did not dispute however it has a statement that reads : Your Statement : Account previously in dispute - investigation complete, reported by data furnisher I do not understand why statements of this nature are being placed as if I suggested this in the manner and context of this verbiage. You as an advocate on my behalf to ensure that accurate and truthful information is being reported. I believe that you definitely understand that this IS NOT accurate reporting.
Consumer complaint received 2023-04-09
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. (MD)

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. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

On  XX/XX/XXXX , I contacted TransUnion directly at  XXXX , regarding an account that reflects as  XXXX   XXXX   XXXX  on my credit report. I advised the individual that this account was paid in  XXXX  and according to their own report the last date the TransUnion received an update from the data furnisher the account was opened  XX/XX/XXXX , and the last date reported was XX/XX/XXXX , which reflected a current balance owed of {$810.00}.  <P/> This balance was paid in  XXXX , and I have advised both Transunion & the original creditor via letters ( by mail ), disputing it on TransUnions website & through  XXXX   XXXX . I have sent  10 l etters starting in  XX/XX/XXXX and the last  three  I sent were in  XXXX ,  XXXX  and  XXXX  of  XXXX . TransUnion at no time investigated the item, they only sent me a copy of my credit bureau.  <P/> In each letter I indicated the account had ben paid off, and that they needed to update the account. Subsequently as a result of TransUnions negligence, I show I have a 31 % credit usage, and I have been denied credit, as well as charged higher interest due to the increased DTI. By TransUnions own records including this {$810.00}, I am using {$2100.00} out of the {$6900.00} available credit on my credit cards.  <P/> If TransUnion had updated the file in  XXXX , as per my request by letter and the dispute process I would only be utilizing {$1300.00} out of my {$6900.00} available credit, which drops me from medium risk at 31 % to low risk at 19 %.  <P/> On my last phone conversation with TransUnion on  XX/XX/XXXX at  XXXX    XXXX  .  C.S.T., I  advised the representative I had a certified letter from the data-furnisher stating they have requested the account removed. I provided the name and phone number of the individual at the data furnisher, and the representative said they would contact the data-furnisher to verify the information. When I spoke with TransUnion later that day at   XXXX   XXXX  . I was advised they did not contact the data-furnisher and would not do so.
Consumer complaint received 2023-04-19
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. (VA)

Dear Experian, I am writing to express my frustration and disappointment with your lack of response to my attempts to contact you via certified mail. I have tried several times to reach out to you, but unfortunately, I have not received any response. 

As a valued customer, I believe that it is important to have open and timely communication with your clients, especially when it comes to important financial matters such as credit reporting. I have been trying to resolve an issue on my credit report, and I have been unable to do so without your assistance. 

I would greatly appreciate if you could please respond to my certified mail and assist me with resolving the issue on my credit report. I understand that you may receive a high volume of requests, but it is important to me that this matter is resolved as soon as possible. 

Thank you for your attention to this matter. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SecurityNational Mortgage Company (TX)

I closed on my conventional loan 1 year ago this month. 2 weeks ago I was notified of a payment hike to my mortgage payment due to intentional escrow shortage by my mortgage company. <P/>I believe this is a case of mortgage fraud. <P/>I ca n't afford to make this payment now for the next couple of years while my escrow ( s ) try and catch up. <P/>Please help me right this wrong. I do n't want to lose my home. According to my title company ( and they proved this via email they recently sent me ) the accurate tax information was sent to the mortgage co.a month prior to my closing. Mortgage disregarded this information. The form they used a few days before I closed, clearly does not reflect school taxes plus both counties. Also, I paid my home owners insurance in full when I closed. This really makes my debt ratio way off now and since closing on this loan, I made other financial commitments therefore. <P/>Based on what I have seen with the documents I have, I believe they did this intentionally so that I could be approved. <P/>11 months have gone by with no one telling me I have an enormous escrow shortage! <P/>Let me know what other documents you need from me. <P/>Thank you
Consumer complaint received 2023-04-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to This is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EOS Holdings, Inc. (TN)

I am disputing a collection from agen cy Collecto , Inc. / EOS CAA concerning a purchased debt from original creditor,  XXXX , Ac count Number  XXXX  on the illegal and purposeful re-aging of a recently purchased debt.
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Also, the collection agency EOS CAA also as not notified me in writing of the claim that a debt is owed or allowed me to dispute this debt in writing.
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Basis for the dispute : The debt collector Collecto , Inc. / EOS CAA is not reporting a date of first delinquency to the credit bureaus and the estimated month and year the item will be removed is different from the original creditor. The dates must be the same date of first delinquency. Any different date constitutes illegal re-aging.
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The original creditor,  XXXX , recently sold the debt during the 30 day dispute window in   XXXX   XXXX   as they could not validate the debt. I disputed the debt through the credit bureasu and the item was removed. However the new debt owner, Collecto, Inc.has submitted a new claim on my report.
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The Original creditor sold the debt to debt purchasers and collection agency Collecto , Inc. / EOS CAA. The Collection Agency Collecto , Inc. / EOS CAA is not reporting a DOFD ( date of first delinquency ) on my report. The DOFD is the date the account became 30 days late and no other payments were made.
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Regardless of how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change and must be listed on credit reports. Collecto, Inc. / EOS CAA has not listed this information and updates each credit bureaus weekly with new dates, continuing this illegal act I can provide reports and screen shots of clear FCRA violations in attachments of the original creditors reporting and the new collection agencies. Collecto, Inc. / EOS CAA states this debt will stay on my credit report until  XXXX . The Original Creditor states this debt will come off of my credit report in  XXXX .
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This agency is in breach of several CRA reporting guidelines as well as US law and I would like the item removed from my report.
Consumer complaint received 2023-04-19
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: LEXISNEXIS (CO)

Dear LEXIS-NEXIS, I am writing to dispute the information being reported by your company regarding an alleged bankruptcy. You are in violation of the Fair Credit Reporting Act ( FCRA ) by selling, transferring, and reporting inaccurate information to the credit bureaus. As per the FCRA 15 USC 1681, a credit reporting agency can be sued for negligent or willful compliance with the law within two years after discovering harmful behavior, or within five years if the harmful behavior occurred. It also stipulates that only data furnishers are authorized to provide information to credit bureaus. Banks, credit unions, retail credit, car issuers, auto lenders, mortgage brokers, debt collectors, and other voluntary send information to credit bureaus. Furthermore, I have some questions regarding how your company obtained the information regarding my bankruptcy from the United States Bankruptcy Court. Did the court sell or transfer this information to your company, or did your company obtain it through some other means? Is the United States Bankruptcy Court a credit reporting agency, and do they have the authorization to provide information to credit bureaus? Therefore, I request the following information to support your Metro 2 compliance for consumer and commercial credit reporting : A copy of your written policies and procedures for Metro 2 compliance in consumer and commercial credit reporting. Information on how your company obtains and verifies the accuracy of consumer and commercial credit information, and how it ensures that information is reported in accordance with Metro 2 guidelines. Details on any training or education provided to your employees regarding Metro 2 compliance in consumer and commercial credit reporting. Information on the systems and technology used by your company to report consumer and commercial credit information in Metro 2 format. Details on whether your company has undergone any audits or assessments of its Metro 2 compliance practices, and if so, request copies of the reports or findings. I also request information showing a contract you signed to become a data furnisher, including the data furnisher agreement. Additionally, I would like to know how you were able to convert to Metro 2 format and become Metro 2 compliant. I dispute the information being reported by your company and request that it be removed from my consumer report immediately. If this information is not removed, I will be forced to take legal action. Attached information : XXXX XXXX, XXXX  XXXX bankruptcy Reference # XXXX, address XXXX XXXX XXXX XXXX, XXXX XXXX Co XXXX last four social XXXX, date of birth XXXX XXXX. Thank you for your attention to this matter. Sincerely,
Consumer complaint received 2023-04-19
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I received email from Bank of America that a savings account has been opened in my name. I called bank of American to report it and found that it was fraudulently created in my name. The bank shut it down for me. I put a credit freeze with all credit companies. However, a month later, I received another email that an account has been created in my name. I am not sure how does Bank of America lets people create account in someones name while there is a credit freeze
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (MO)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2017-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America charges over draft fees but yet the account activity log never shows where the account actually went negative. This has happened to me several times with Bank of America. I was charged a {$35.00} overdraft fee but yet when you call and try to go over the account activity log with the employees, they have a completely different log that does n't even reflect the same information.     on my enclosed attached bank log, it shows my account was in the positive until the overdraft fee, that is the only time my bank went negative
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.