davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Credit Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I recently received a copy of my Experian, and XXXX Credit Report and I noticed that two late payments from XXXX XXXX XXXX is still posted on my report : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Your company Experian Credit Agency and XXXX XXXX XXXX has two violations . 
XXXX XXXX XXXX has remove the late payment through CFPB and both Experian and XXXX has violated the laws by keeping the late payment on my credit report. Under 15 USC 1681 Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

All three credit agencies are to provide the same information for accuracy. 


Also, Your company is in clear violation of the law. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give written instructions to furnish this account on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report Does not include- ( A ) Subject to section 1681S-3 of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE the late payment from my consumer report, and put PAID AS AGREED or OK. This agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character. 
2. Negligent Enablement of Identity Fraud.

3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance 616. Civil liability for willful noncompliance-15 USC 1681n . 

Best Regards XXXX XXXX Attachments are enclosed.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

On XXXXXXXX XXXX I looked at my transunion credit report and noticed inquires I don't recognize and called transunion and asked them to remove the inaccurate inquires.according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these inquires are violating my federally protected rights ( 1 ) 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 inquires from my transunion credit report or pay me $ XXXXper violation.mail my check to address on file or delete them.
Consumer complaint received 2024-09-17
Product: Credit reporting 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. (KS)

When i pulled my credit report I noticed that experian XXXX XXXX is pulling my report everyday for months, there is no reason they should be pulling my credit report daily and they can not explain it either. Iwould like for the to cease and desist all credit report pulling from their XXXX XXXX branch and pay me XXXX for this violation as well as remove them from my report
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. if you don't look into these accounts, XXXX take legal action against you.
Consumer complaint received 2023-09-06
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: EQUIFAX, INC. (TX)

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (CA)

XXXX AMOUNTS DEPOSITED See copies of paycheck stubs below totaling {$4900.00}. 

AMOUNTS WITHDRAWN Attached to the claim forms page XX/XX/XXXX Page # 2, these amounts totaled {$4000.00}, but the statement for XXXX was not resent by Money Network and there was almost another {$10000.00}. withdrawn during XX/XX/XXXX. 

REPORTEDFRAUD WITHDRAWALS VERBALLY : on or about XX/XX/XXXX. I was saving the money to do XXXX Shopping and my card was declined. I called Money Network. 

XX/XX/XXXX Letter from Money Network was sent to me requesting a claim form. The letter and request were received by me after the 10 days allotted for the reply. 

XX/XX/XXXX Claim denial from Money Network was sent to me XX/XX/XXXX Copy of my Letter and claim form which was returned to Money Network by me, as it took me a while to get all the information together. 

XX/XX/XXXX copy of Letter from Money Network advising I would have to file an APPEAL for REDETERMINATION OF CLAIM, along with a copy of the envelope from Money Network Exhibit # 4. This was the 2nd time the form was requested, and again the letter was not received by me timely and only gave me 10 days to reply. 

XX/XX/XXXX copy of my letter to MONEY NETWORK, stating it was an appeal for determination of a claim, including a copy of their envelope EXHIBIT # 4 containing their letter showing the actual dates I received it, which was XX/XX/XXXX. ; along with my XX/XX/XXXX letter which I sent to Money Network responding within 10 working days of when I received the envelope. 

XX/XX/XXXX Copy of Letter from Money Network acknowledging verbal notification of the dispute, although I had sent a comprehensive written APPEAL for REDETERMINATION of CLAIM. 

XX/XX/XXXX Customer Dispute Form was completed and returned by FAX & USPS Mail for which I have delivery confirmation. I asked them for the documentation used to reach their findings. 

Since then my repeated phone calls and attempts to reach a resolution and settlement have gone on and on with no results. Phone calls are unanswered, or I am told someone will get back to me and no one has. 

The XXXX reports are disparaging, and show this is apparently the normal operating procedure for Money Network. There have been numerous complaints filed with the XXXX, and the same with the CFPB.
Consumer complaint received 2023-07-28
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: VW Credit, Inc (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT VW CREDIT XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$46000.00} {$46000.00} {$46000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed - Closed or paid account/XXXX balance Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month 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 15 U.S. C ode 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 results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I made a claim against a fraudulent company to Bank of America. I used my debit card to pay for services from taxnetworkusa but then found out, right away, they are really moneysolver.org which has a massive amount of bad reviews. Also the person who called me from XXXXtaxnetwork ' lied to me by claiming he was in contact with the irs and they were coming after me... .scare tactics.

I made many attempts to contact taxnetworkusa ; 5 emails and several calls explaining this and asking for a refund... all within 24 hours.

My problem is Bank of America has no rational way to make a claim. There is literally no way to send them the information I need for my claim.

They claim that they only have fax for me to send to and I have no way to send these files using fax. That is last century 's technology. I tried online for half a day and failed.

Clearly this is how business is done today ; make it difficult as possible and they don't have to be serious about the claim. The claim will be denied for lack of facts. 
I called BofA many times and was told each time they only accept faxes. How is that possible today?
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I began working for a XXXX XXXX XX/XX/XXXX. My first check was a paper check dated XX/XX/XXXX in the amount of XXXX drawn from Bank of America. I deposited it into my BMO bank  account. Within a few weeks I began to receive statements from Bank of America about a checking account with my name on it. I contacted BOA and spoke to the Fraud Department on XXXX XXXX, XXXX. I explained I didn't open an account nor authorize anyone to open an account and I want it closed IMMEDIATELY. I asked the representative if BOA opened it because the date it was opened was shortly after time my paycheck cleared. She assured me they wouldn't do that, they would need my authorization. She told me I would receive and email with instructions and paperwork in the mail, instructed me to mail back a copy of my SS # and sign stating I didn't not authorize. I refused to give my SS #. I received another statement with fees in the mail on XX/XX/XXXX. They refuse to close it. I took a photo of the check the day I deposited it. I did not open any accounts with Bank Of America and they refuse to close it.
Consumer complaint received 2023-07-27
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a account without my written instructions.

15 U.S.C. 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-07-28
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. (CA)

TransUnion sent me a letter dated XX/XX/2023 about identity theft in response to my CFPB complaints about them. File number XXXX. No one stole my identity you XXXX idiots. The credit system itself defrauded me. TransUnion and the banks and the government committed fraud. XXXX exposed it, but now it's everywhere. For instance I was defrauded today by " XXXX XXXX '' with a fraudulent adjustment to margin requirements while they are illegally " holding '' my collateral to manipulate the underlying securities. They aren't holding it though. It was rehypothecated and donated to politicians to commit election fraud among other things. XXXXXXXX XXXX  Cease and desist. Leave me the XXXX alone and delete me from your systems and stop spying on me. I'm done. Get XXXX you bankrupt criminals. I'm out. Enjoy XXXX yourselves.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Verified First, LLC (NC)

case number : XXXX XXXX I was told by police that were present at the time of both issues, that damage to personal property within a residence was not a crime. Unless it occured within somebodies private area, which in this case is our respective bedrooms because despite my mom not being on the title, she is considered a resident. SHE is the one who has been destroying the property in its entirety. While me and my little brother only tried to do the right thing and help her out. She is the one on probation and XXXX XXXX just getting out of XXXX XXXX from rha that she had been a part of for over a year. Somehow this has no pending court date, I have no been served any papers, and the police that were on scene said this was not a criminal case. So why is it showing up? I have evidence of many many jobs i have applied for in serious need, and this is most likely the cause of me losing potential money. So I will be finding a way to bring this case up and try to get some sort of financial aid from it.
Consumer complaint received 2023-07-28
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. (TX)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
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. (FL)

Hard Inquiries as follows : - - - - - - - - - - - - - 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 - - - - - - - - - - Collection Account as follows : - - - - - - - - - - XXXXXXXX XXXX XXXXXXXX XXXX - - - - - XXXX - - - Reporting inaccurate information as of XXXX. 
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX. I do not have a contract with XXXXXXXX XXXX XXXXXXXX XXXX. They did not provide me with the original contract as I requested. According to the FCRA it is illegal to report a debt & late payment on a debt that has no contractual agreement.
Consumer complaint received 2023-07-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC (WI)

On XX/XX/2023 a request was placed with Lennar Mortgage to pull my file from them to place with another mortgage company. On XX/XX/2023 a call was placed to me from Lennar mortgage asking for additional details on my employment background and they requested a letter from employer. Because I was switching to a new lender I did not provide. They did not send case to new lender so I made request in writing on XX/XX/2023 via email. They ignored request for file transfer. Due to being a FHA loan this is a required step in the process. Instead of transferring file they waited 3 days and rejected file affecting my ability to obtain a mortgage for 6 months. When my current home is a week from closing. So with kids and no home. They made a decision with incomplete information and did not count half my income. They did not complete a through review of income and did not have complete information to make a reject noting my credit file. Their reject was spiteful and un professional.
Consumer complaint received 2023-07-27
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. (AZ)

on XX/XX/25 i mailed transunion a request in regards to my credit having things that were causing me issues in my home buying process. They have ignored my request which i know as a consumer they are required to process
Consumer complaint received 2020-06-11
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. (GA)

XXXX AND XXXX is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. XXXX AND XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the XXXX credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$580.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP