davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
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. (AL)

I recently requested a reinvestigation of the completeness and accuracy of the list of accounts below : 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 I received my results and there is no way they did a proper investigation because there are several errors still on my credit report as but not limited to : Date of birth, high limits, last payment, the amount owed, and several other errors.
Consumer complaint received 2022-11-16
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: Fidelity National Information Services, Inc. (FNIS) (FL)

I have reached out to this company multiple times regarding the multiple fraudulent accounts reporting on my ChexSystems report. They are still reporting on my ChexSystems even after providing supporting documentation to prove it is not mine. There are multiple addresses that do not belong to me and they're still reporting on my credit report.
Consumer complaint received 2023-03-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: ENOVA INTERNATIONAL, INC. (GA)

Netcredit is reporting incorrect amounts due to XXXX causing me to ot be approved for a y addiction assistance and loans for other company based on thr negative deragotory remarks netcredit has placed on my personality file
Consumer complaint received 2022-11-16
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX {$200.00} XXXX. XXXX XXXX XXXX XXXX XXXX = {$110.00} XXXX. XXXX XXXX XXXX XXXX XXXX = {$170.00} XXXX. XXXX XXXX  = {$950.00} XXXX. XXXX XXXX = {$300.00} XXXX. XXXX = {$300.00} All of these accounts has violated my rights as an consumer 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-16
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. (DE)

Equifax credit reporting company is reporting the account XXXX XXXX XXXX- Account number XXXX in the amount of {$120.00} with no information on the DATE CLOSED. XXXX reporting company is reporting XXXX XXXX XXXX # XXXX in the same amount {$120.00} with the DATE CLOSED AS OF XX/XX/2018. Equifax and XXXX are reporting different information on the same account which is contradicting each other. This is a discrepancy.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing as a concerned consumer to address the accuracy and fairness of the information listed in my credit report. As you know, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ) was established to ensure accuracy, fairness, and privacy within consumer reporting agencies. The FCRA provides me with specific rights to ensure my credit report is both correct and that I am treated fairly during the reporting process. 

According to the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Informed of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my interactions with your agency to guarantee that my credit report is accurate, complete, and reflective of my actual credit history. Any discrepancies or inaccuracies should be corrected immediately to prevent harm to my creditworthiness. 

XXXX XXXX XXXX
Consumer complaint received 2023-03-12
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. (OH)

This account was permanently deleted from my XXXX reports and they transferred this account to a collection agency as a sold debt without my consent to sell my personal information. There are many violations according to FCRA.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

This problem has been going on for over 8 months although I have had my mortgage since XXXX. XXXX assumed the mortgage from XXXX XXXX XXXX XXXX. 

I have spoken at length with XXXX XXXX : XXXX XXXX and XXXX XXXX regarding wanting a credit report of my mortgage history sent to Experian. I have worked hard the past two years to improve my credit. The mortgage history is important to my credit credit score. I am getting reports from XXXX, XXXX .... 

Recently, XX/XX/XXXX we learned that the credit line for XXXX was purged by Experian in XXXX. Coincidentally this is around the same time that my mortgage was remodified by XXXX. I was told by Experian to have XXXX reinsert the credit line. Promises have been made by XXXX, but it is not resolved. They have not sent a " XXXX XXXX '' to Experian which was promised by XXXX XXXX on XX/XX/XXXX. 

Today, XX/XX/XXXX, I spoke XXXX at Experian Credit Dispute department ( XXXX ) They have NOT received an update from XXXX. She assured me that it is a simple process. XXXX 's recommendation is that XXXX call them with instructions on how to use the XXXX XXXX, and that this is the fast way to reinsert my credit history. 

I have serious concerns about XXXX Mortgage XXXX. Their integrity because there are hundreds of consumer and XXXX complaints and too many are recent. I want to be confident that my property is in good hands and that my monthly payments are being applied correctly, and that this history is on my credit report with Experian and ALL credit bureaus. I have been patience not to escalate a complaint to the Ohio Attorney General or to the U.S. Attorney for an investigation. I am asking XXXX publicly and for the last time to reinsert my credit history onto Experian. The number to call is Experian Credit Dispute department ( XXXX ) Reinsert credit file onto the E-Oscar System is what I was told today. Please call Experian for how to get it done. I spoke with XXXX and she said to call and relay this information to XXXX Mortgage XXXX. I left a detailed phone message XXXX Complaint dept XXXX for XXXX XXXX and his boss XXXX XXXX that I was filing this complaint with an update, and hopefully we can all move on with our lives.
Consumer complaint received 2022-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 2022-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (VA)

I have had a XXXX XXXX  XXXX account which is not using for more than XXXX  years. I have used that card just XXXX time, buying something on-line with amount of {$100.00} the amount that I paid full within XXXX weeks. I never never used anymore the card. 
Without any notification I received a mail 2 days ago that notified me that I owed {$340.00} then they put me on collection. 
Could you, please, make your verifications, research, and fix the problem. I can not handle this issue. Let me confirm XXXX more time I never, ever, never used the card. 

Thanks and Regards XXXX XXXX
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Sunday XX/XX/2022 at XXXX I went to deposit a large amount of cash to an ATM at the following address : XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. 

ATM XXXX XXXX : XXXX Time of transaction : XXXX XXXX  Total amount of deposit : {$980.00} cash ( XXXX {$100.00} 's, XXXX {$20.00} 's ) I subsequently filed a claim over the phone with a representative, who told me I would receive " a temporary credit while they investigage by tomorrow morning ''. However, Monday morning rolled around, and I haven't received any money from the transaction. 

I have spoken to numerous representatives all of which have been giving me the runaround, and I have lost confidence that I will see the money from Bank of America due to this error at the outdoor ATM outside of business hours on this Sunday at XX/XX/XXXX. 

I have included photograph evidence of the issue, and would appreciate anything you can do to help follow up and see to it I get access to the cash I deposited into this ATM. I appreciate anything you can do to help as this is causing an unreasonable level of financial hardship being out of these funds, as I needed this cash for bills and day to day funds to pay for things like food and supplies for daily life as well as keeping my car maintained so that I can get to work. 

Bank account number ending XXXX Debit card ending XXXX
Consumer complaint received 2022-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

on or about XX/XX/2022 i sent a request to company regarding account level documentation about the debt company has failed to respond but continues to report negative information
Consumer complaint received 2022-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (GA)

Requested a refund of payments on XX/XX/2022 they didn't put it into there system until XX/XX/2022 everytime I call concerning the timeline they delay the refund of payments from being processed original timeline was XXXX weeks it has escalated to XXXX weeks lying saying it's involved with the courts on the loan forgiveness
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I opened my account in 2016. I specifically said I didn't want over draft & it stills shows I don't have over draft. Now every month since I've been charged over draft fees for something like a dollar here or a dollar there. There has been a few months that it's been {$300.00} plus the over draft fees. I tried at one time to get over draft & it's never been added. How come when I need an over draft I can't get it but I get charged every month?!
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (UT)

I had a payroll check deposited into my account in XX/XX/2022 and it was held for 8 weeks because they suspected it was fraudulent it was the check I was getting for over 7 months from the same company the check was for just over XXXX
Consumer complaint received 2022-11-16
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. (FL)

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 


XXXX Account number 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 A Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2024 a ID theft report was filed to the federal trade commission in regards to unauthorized Inquiries and creditors on XXXX XXXX and Trans Union credit reports. 

FTC report number XXXX. 

Please remove all inquiry 's creditors listed below. Idid not authorize them. 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 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

This letter is my formal written request for you to investigate the following Unverified accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. & 1681 your company is required by the federal law to verify- through the physical verification to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my signature on it ) that you use to verify that the account belongs to me the first time you report the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C & 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following account be verified or remove Immediately. 
XXXX XXXX XXXX  ( XXXX XXXX ) {$7900.00}
Consumer complaint received 2023-01-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

My loan number is XXXX. I filed for bankruptcy in XX/XX/2022 and the Freedom Mortgage personnel need to get in contact with their attorneys because their claim was not honored by the court. The trustee is not making payments to them. My account needs to be adjusted to reflect that. They were notified but their claim was denied by the bankruptcy court.
Consumer complaint received 2022-09-02
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

Between XX/XX/2022 and XX/XX/2022, an inquiry made by CAPITAL ONE BANK USA was added to your credit report. 

Applying for a new line of credit will usually result in a hard inquiry on your credit report. You could also see inquiries from applications for a new apartment, phone or utilities account. Each hard inquiry will typically lower your score a bit, though the effects often wear off after a few months. 

I never apply for Capital one bank USA.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Late XX/XX/2022 I received an email indicating my credit score decreased from the 800s to XXXX. I reviewed my credit report and noticed an account opened XX/XX/2022 with Bank of America. I did not authorize such account. According to BofA an XXXX XXXX credit card was passed on to someone who used my information. Also, according to BofA an address from New Jersey is attached to this card. I have never lived in NJ. 
Since I read your results of your investigation I am unpleased and continue to be frustrated. I will continue to contact BofA ( XXXX ) XXXX to get an update on their investigation.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX place a hold on my account for XXXX reason, ( they could not explain what this was ). Because of this I could not open an account with XXXX to get new internet and tv service at my new address. I finally got this block cleared after over 4 hours of having to text and talk with the 3 credit bureaus, XXXX and the 3rd party company they are using to verify identity could not or would not tell me which credit bureau was doing the blocking. This has been very aggravating. Apparently there was no valid reason for the blocking. 
BTW : I am a XXXX Veteran
Consumer complaint received 2023-01-19
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. (PA)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The following companies have violated my rights by performing a hard inquiry on my credit report without my permission XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX  ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to request the deletion of the following information from my file. The items I am requesting to be deleted are listed in the attached report. did not make the charges in question. 
I have reported and have enclosed copies of the Federal Trade Commission Identity Theft Affidavit for your reference. 
Please delete these items from my file as soon as possible. 
Thank you for your prompt attention to this matter.