davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-15
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: The Law Offices of Mitchell D. Bluhm & Associates (OH)

XXXX XXXX XXXX XXXX MBA XXXX XXXX  XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$150.00} XXXX XXXX {$77.00} XXXX XXXX XXXX {$70.00} XXXX {$37.00} XXXX XXXX 15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C section 604 Section A. It also states that a consumer 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer TV reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Consumer complaint received 2023-07-14
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. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX Case Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 5. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


7. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX told bank that the XXXX XXXX and XXXX XXXX and XXXX XXXX was not authorized the A credit company was canceled 2 months back, bank even put a stop payment, told the company that they had no claim to the money they took, all I got was a oh well, and I asked the bank why did they give the money after the stop, they said well they asked for it
Consumer complaint received 2023-06-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 instruction This account is showing inaccurate information on my credit report
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am being run around. The Credit Bureaus all tell me to call the creditor " XXXX XX/XX/21 ''. While the creditor is saying I'm not in their system, they don't have any record of me and to dispute it with the Credit Bureaus thats reporting it and have it deleted from my credit report. I was also informed that there are discrepancies with that account that are inaccurate. I want this account deleted as it does not belong to me and the original creditor " XXXX XX/XX/21 '' had stopped reporting it to the credit bureaus as of XX/XX/21. I'm really not understanding why this is such a pain in the back to corrected. The Credit Bureaus has to fix this issue not me nor the original creditor. As they're the only one who has any information on this issue.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

I applied for care credit through synchrony Bank. My credit score then was lower than it is now. With all of the same reports on my credit. I was approved for {$1100.00} credit line. I have been paying more than minimum each month. Now that I paid it down to less than 60 % credit usage. All of a sudden they dropped my credit limit to show that I am back at almost max credit limit. Their excuse is that they found all of the same stuff that was already there to begin with.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My account with XXXX XXXX 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 in those account to be removed. 

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. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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! 

Delete the late payments from my consumer reports
Consumer complaint received 2016-11-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (UT)

I am trying to get a modification and have submitted all of my documents 2 weeks ago but it still shows that I need to submit documents and does n't seem like anything is moving. When I call they keep telling me 7 days or 15 days etc.
Consumer complaint received 2023-07-15
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. (WA)

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 2023-06-06
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JDJ Investments, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citi Bank closed my secured credit card and I always paid it on time I had the account since 2019 I have nothing to show they closed my account except I was told over the phone after trying to make a payment that it was closed on XX/XX/XXXX but no explanation as to why.
Consumer complaint received 2015-09-29
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Midstate Collection Solutions, Inc. (IL)

I have sent several letters to MidState Collections asking for debt validation and proof I signed an authorization to release medical information ( diagnosis and treatment ) to a debt collection XXXX party. 
I have yet to receive validate proof and they are reporting this information on my credit report.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (MA)

Paid Account on XX/XX/XXXX Payment was for XXXX $ & XXXX $ Account only credited for XXXX $ not XXXX $ Contacted by Company XXXX CCompany  stated XXXX $ not recieved Company acknowledge issue, Company stated When Account was edited for XXXX $ payment XXXX cancelled out the XXXX $ payment Company updated the payment, Company failed to remove 30 day late which significantly effects my credit score as well as my Co-buyer, Account has never been late, Their lack of understanding is Unacceptable when the acknowledge the account was paid on- Time.
Consumer complaint received 2024-10-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: ALLY FINANCIAL INC. (NJ)

after I get ally for finance the car with my brother co signer his get out from the loan ally send me a letter don't pay no more because they no want to finance no more the car I want to put my money they tell don't send the payment because we no going to accepted
Consumer complaint received 2023-07-15
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I was sent a promotion by U.S. Bank telling me they would give me {$750.00} if I opened an account and deposited {$15000.00} within 30 days. 
I opened the account online on XX/XX/2023. They sent me an email confirming account was open but email did NOT contain my full account number. 
Because I did not have full account number, I could not create online account and then trigger transfer of the required {$15000.00} to get the signup bonus of {$750.00}. 
I called US Bank around XX/XX/2023 and asked for my account # and they said they could not provide it to me. 
They said they would mail it to me. 
Finally -- more than 30 days after opening the account -- on XX/XX/2023 they mailed me my account #. But now that 30 days has passed since account opening, I am not eligible for the promotion and the {$750.00} they promised me because I could not deposit my money within 30 days of account opening because they refused to tell me my account number. 

This is a complete bait-and-switch! They promised me a {$750.00} bonus for opening an account and I followed all the steps and they purposely withheld my account # until after 30 days had passed so I could not make the deposit necessary to earn the promotion. 

I can not believe this problem is unique to me. I bet they did this to everyone they sent the promotion to.
Consumer complaint received 2017-12-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (DE)

I submitted a complaint to your company in XXXX. I was working with the executive complaint department with Ally. I was given until XXXX to make a payment and my car was taken last night. They came a day early even though I was given more time to get the money together.
Consumer complaint received 2023-07-15
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. (NV)

Ive constantly contacted the credit bureau 's threw mail, online, and by phone and each time Ive communicated with them that there are several accounts listed on my credit report that are not mine. I believe that these entries are the result of identity theft or fraudulent activity, and I kindly request your immediate attention to rectify this matter in accordance with applicable laws and regulations. I have carefully reviewed my credit report from XXXX dated XX/XX/2023 and identified the following accounts as invalid and or Fraudulent. XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me, and I have never initiated or I have never had any affiliation with these accounts, and it appears on my credit report erroneously. I wish to emphasize that the inclusion of these accounts on my credit report is causing significant harm to my creditworthiness and financial standing. These accounts do not belong to me, and I have never initiated or I have never had any affiliation with these accounts. It seems that the credit bureaus keep disrespecting the laws. I showed them multiple times they are violating the Fair Credit Reporting Act.

According to 15 USC 1618i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe the information is inaccurate.

( B ) Reporting information after notice and conformation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has be notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

The bureaus have no respect for the laws.

Someone needs to hold the accountable for this.
Consumer complaint received 2023-03-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NH)

On XX/XX/XXXX I refinanced my mortgage from Freedom Mortgage to XXXX XXXX XXXXXXXX XXXX. My taxes were paid from my closing by XXXX of XXXX Mortgage on XX/XX/XXXX. Freedom Mortgage had already been paid off and I received an email from Freedom Mortgage on XX/XX/XXXX confirming that. On XX/XX/XXXX, 14 days after the mortgage had been completely paid off, Freedom Mortgage proceeded to pay my taxes in the amount of {$2100.00} out of my escrow account instead of refunding that money to me. On XX/XX/XXXX, the XXXX of XXXX refunded the the entire {$2100.00} back to Freedom Mortgage. I contacted Freedom Mortgage about my refund which should have been refunded to me with the rest of my escrow money and they told me that the money would be refunded to me by XX/XX/XXXX. They have already been holding this money for a month but I waited patiently. I called them on XX/XX/XXXX because I still had not received the refund. The person I spoke with said it was still pending. I told her that I was told that I would have the money by Wednesday XX/XX/XXXX and she said she doesn't know but it still says pending. So I asked to speak to a person who could tell me what where my money was. She put me on hold for a long period then came back and said her supervisor said the check went out on XX/XX/XXXX and that they had no control over the mail. She had just told me it was still pending and all of a sudden now she lies and says it went out and blame the post office? I asked her why they would send a {$2100.00} check through the regular mail when it should have been sent XXXX? She had no answer. I asked her if I would be receiving interest on the money they are withholding and she said no. I just had a XXXX XXXX on Saturday XX/XX/XXXX and got out of the hospital on Tuesday XX/XX/XXXX and I need this money which should have been refunded to me from my escrow account when my mortgage account was closed on XX/XX/XXXX.
Consumer complaint received 2023-06-06
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. (CA)

In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer privacy and confidentially under 15 USC 1681.

USC 1681 section 602 A -States I have the right to privacy.

USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 c ( a ) 5 No consumer reporting may make any consumer report containing any of the ff information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXXXXXX 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 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! Please see attachments below.
Consumer complaint received 2023-07-15
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$110000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$110000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$110000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

I have sent my initial letter for disputing innacurate personal information on XX/XX/2023 and did not receive a response from Experian or a new credit report with the corrected information. On XX/XX/2023 I sent my second letter to remove the innacurate information and yet I still did not receive any response or a new credit report with the accurate information. 
XX/XX/2023 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-06
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)

All prior month and lastly XX/XX/XXXX Balance on XXXX XXXX was reported to all credit agencies including Transunion. 
Transunion had been reporting the correct balance up until XX/XX/XXXX of {$5000.00} Transunion then reported the new updated balance of {$220.00} on XX/XX/XXXX Transunion on XX/XX/XXXX removed the XX/XX/XXXX correct balance which then dropped my credit score by XXXX points I called on XX/XX/XXXX to file a dispute, called again on XX/XX/XXXX to check the status and was told they do not have a dispute for me. 
Filed another dispute of the balance on XX/XX/XXXX stating the balance is incorrect with XXXX XXXX. 
I contacted the creditor XXXX XXXX on XX/XX/XXXX and they have provided the balance to Transunion every month, XXXX, XXXX and XXXX but they have refused to update the correct balance. 
As of now, their investigation is completed and they still have not corrected the balance with XXXX XXXX which should be {$290.00} and not {$5000.00} as they have listed.