davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: National Credit Systems,Inc. (TX)

I never moved here this is identity theft. This is what my credit report is stating. 
XX/XX/XXXX XXXX XXXX account. {$3800.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$3800.00} Balance updated XX/XX/XXXX
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I went to XXXX for a free credit score check. They linked me to XXXX, which supposedly is the only way to get this federally mandated service, bar paying a private company.

I've sent them a message but upon closer inspection it seems the one important part that every employer, bank, loaner, etc can access is not available for my own perusal. Now I'm sure this is all a huge mistake and this super sensible rule of not charging us good people once a year to check a fancy number that rules a large part of our life is still in effect. Feel free to contact me for more information. I mean I'm sure you have all the information on me you could ever want. Like my credit score. Gosh how lucky.
Consumer complaint received 2023-05-05
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: ALLY FINANCIAL INC. (MD)

On or about XX/XX/, I obtained a notification from the credit bureau ( XXXX and XXXX ) that my score had decreased by over XXXX points. This came as a surprise to me because I have always been the type of person who paid ALL of their bills on time and even set up automatic payments, so that I did not forget. Apparently what happened is one of the Ally Financial Auto, who I was paying through automatic payments, took it upon themselves to cancel my automatic payments without notifying me, and then allowed my account to go into default again without providing me any notification WHATSOEVER. Then, after 30 days of the account being in default, they sent a delinquent account notice to the credit bureaus, which then dropped my credit score. I had zero opportunity to make manual payments after Ally Financial cancelled my automatic payment, and was not notified that they were doing this to my account. I have asked for an investigation of this, and even reached out to the company, and the company keeps denying that they were at fault. I would like this to be further investigated and escalated to the highest level possible. It is impossible for a consumer to know that their account has been changed if the company does not do their due diligence to inform the consumer especially if the company also has policies and terms that state they would notify consumers if there ever is a change made to their automatic payments. They also do not provide any information about the company being able to cancel automatic payments on their companies auto pay authorization form, which I have attached also. I have attached copies of their policy. This is horrible business practice, and grounds for fraud. Again, I would like this to be investigated, and will reach out to my local state representative to bring this to their attention as well.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2017-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I pulled my credit because I am looking to purchase a car and notices a lot of duplicate inquiries starting from XX/XX/XXXX until now XXXX XXXX. I have not applied for any sort of credit since XX/XX/XXXX. I am aware of the inquiries being deleted from Transunion then added and I feel I was a victim of this. I called Transunion and they are unwilling to take care of this issue for me. I did inform them that I was aware of this issue and I kindly asked the supervisor to rectify this issue for me and he said to have a police report for every inquiry I feel is not accurate and submit it to them. My local police report is who educated me on this issue and simply stated that Transunion will take care of this for me so I called and they were unwilling to do so. So I come to you for help. Please help me. I would have gladly provided you with info but it would take me too long to list every creditor and their information. If that is a requirement Ill gladly take the time to fix this mistake by Transunion.
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX I was notified via email that my new 360 checking account had been opened. On XX/XX/XXXX ( email wasnt reviewed until XX/XX/XXXX ) I reached out to Capital One concerned that said account was opened fraudulently and requested the account be closed. I asked a lot of questions pertaining to the initial start up of this account to no avail. The representative was very dismissive and instead was given the number for the credit bureaus. By XX/XX/XXXX a debit card for the fraudulent account arrives at my home address. I reached out again completely confused as most people committing fraud arent going to have the debit card and emails sent directly to the person whoms identity is being used. When I reached out wanting to be sure the account had in fact been closed and wanting additional clarity on if capital one had been the one that initiated the account I was told dont worry, the account will be closed and they will remove my email to insure I dont receive any more emails, as I have received numerous emails related to this account since my call on XX/XX/XXXX. Something is definitely not adding up and I feel as though Capital One opened this account. And without my authorization!
Consumer complaint received 2023-05-05
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. (MO)

In Accordance with the Fair Credit Reporting act. The List of account below has violated my federally l protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, XXXXXXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX 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 a account with out my written instruction 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, other than records of conviction of a crime 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 information is inaccurate.
Consumer complaint received 2021-03-09
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: Experian Information Solutions Inc. (IA)

I have disputed the account alleged by XXXX XXXX XXXXXXXX XXXX for {$690.00}. Experian says the account meets the FCRA, however that is impossible. I have disputed the alleged account since I discovered it last fall.. Approximately XX/XX/2020. I have made several phone calls and sent letters via USPS to XXXX XXXX XXXX XXXX All of which have been ignored, and XXXX has failed to send any proof or verification of the account knowing my current address. Thus XXXX has failed to meet the requirements of the FCRA thus Experian is publishing FALSE information knowingly as I informed Experian of this many times. For that Experian should be fined for violating the FCRA rules. Experian has illegally put too much weight in information from a data furnisher, which should be given less weight then the alleged account holder.
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

EXPERIAN IS REPORTING A NEGATIVE AND FRAUDULENT ACCOUNT THAT DOESNT BELONG TO ME ON MY CREDIT FILE THEY PREVIOSULY REMOED THIS INCORRECT DATA AND NOW IT IS REAPPEARING THIS DOES NOT BELONG TO ME AND I HAVE SENT THEM ALL DOCUMENTATION AND POLICE REPORTS TO HAVE THIS REMOVED AND NOW THEY WILL NOT REPLY OR ASSIT TO CORRECT THIS SERIOUS MATTER. THIS ACCOUNT AND BALANCE DOES NOT BELONG TO ME
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with Experian 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 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.

Experian 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 2023-03-18
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. (TN)

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 XXXXXXXX XXXX XXXX XXXX  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 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 2017-10-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TN)

I filed and completed a Deed in Lieu of Foreclosure in XXXX with XXXX. They also issued a XXXX " Cancellation of Debt '' which was recorded on my XXXX IRS Tax Forms. XXXX was negligent in filing the Deed in Lieu of Foreclosure documents with XXXX XXXX Assessor of Property and Tax Accessor 's Office. The Clerk 's offices show that I own the property at : XXXX XXXX XXXX XXXX, TN XXXX free and clear of any lien and that the property is deeded in my name. I believe this to be in error because I ca n't fathom the lienholder willing to give me the property mentioned herein, especially after filing and both parties agreeing to Deed in Lieu of Foreclosure. XXXX or XXXX XXXX XXXX transferred service to LoanCare. I have requested and have proof of my request to communicate in writing, via email. They refuse to do so. They also do not want me recording the phone conversation if I call. My preferred method of communication is email. 

Furthermore, XXXX called me on XXXX XXXX, XXXX, she stated the following in speaking to both my wife and I on speakerphone : 1. In 30-60 days, when everything is finalized, LoanCare will record the " account settled and nothing due '' on my credit history. 

2. In 30-60 days, LoanCare would file the proper Deed in Lieu of Foreclosure documentation with XXXX XXXX Tax Accessors Office and XXXX XXXX Clerk 's Office. As previously stated via email on XXXX XXXX XXXX, those offices ' records show I own the property free and clear of any lien with the property in my name. These issues are to be fixed in the 30-60 day timeframe. 

3. I am to email a copy of the XXXX XXXX Tax Statement to LoanCare for payment.
Consumer complaint received 2023-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc. (FL)

On XX/XX/XXXX, I sent you a certified letter to RS Clark and Associates , Inc. requesting that they validate an alleged debt they are reporting on my credit reports, however, they have completely ignored my letter. On XX/XX/XXXX, I sent them another certified letter ( Tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ), they still have not replied to my. They have failed to legally validate this alleged debt. 
This is damaging my reports and have caused me thousand of dollars in interest and continues to do. 

I am requesting that they remove this tradeline from my consumer report immediately.
Consumer complaint received 2023-03-18
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: OPORTUN FINANCIAL CORPORATION (IL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-03-18
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)

looking at all the data listed I am interested in processing disputes with transunion on my credit report for all inaccurate information listed. this is hurting my file I need all data removed asap. please delete the following information requested.
Consumer complaint received 2023-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (MN)

Someone fraudulently purchased Bitcoin and withdrew it on my account on two separate occasions/transactions. XX/XX/2023 at XXXX XXXX  and amount of XXXX XXXX ( {$100.00} ) was purchased then withdrew to an external wallet. XX/XX/2023 at XXXX XXXX  an amount of XXXX XXXX  ( {$400.00} ) was also purchased and withdrawn. I didn't authorize nor did I make these purchases. I was in the hospital and was having XXXX at the time of them and I had no knowledge of it happening. I asked cash app for a investigation and for my money to be returned and they denied my claim!
Consumer complaint received 2023-05-05
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. (FL)

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX  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 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 moreover 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 2023-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NM)

The original credit card company charged off my account as bad debt, meaning they can not collect on it. If they do it would be fraudulent. LVNV Funding, LLC, c/o Resurgent Capital Services L.P. , claims to have paid off my debt and now wants me to pay them. I did not authorize whatever the agreement my previous credit card company has with LVNV Funding, LLC, c/o Resurgent Capital Services L.P . I DID NOT ASK for it nor are they privy to contract with me. LVNV Funding, LLC, c/o Resurgent Capital Services L.P. has been negatively reporting on my credit report for 1 YEAR and I am done being harassed and bullied by them, trying to trick me into contracting with them. I've disputed many times and the credit reporting agency refuses to listen to me. LVNV Funding, LLC, c/o Resurgent Capital Services L.P only responds to my dispute with old bills from previous company. NOT THEM. And because the original creditor sold my account and information to LVNV Funding, LLC, c/o Resurgent Capital Services L.P. they violated the Privacy Act and is an automatic {$5000.00} fine, so therefore I DO NOT OWE LVNV Funding, LLC, c/o Resurgent Capital Services L.P. and original creditor anything.
Consumer complaint received 2023-03-18
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: Mr. Cooper Group Inc. (MI)

It's been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report. 
Under Federal law, they had 30 days to complete the investigation and by failing to do so, the item must be removed from the report as soon as possible.
Consumer complaint received 2023-03-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

My old name XXXX XXXX XXXX was used to open a Bank of America account with account number XXXX opened XX/XX/XXXX and closed XX/XX/XXXX closed under XXXX XXXX XXXX XXXX SC XXXX. I havent lived at this address in over 9 years and last name changed almost 7 years ago to XXXX XXXX XXXX. They also opened an XXXX account under my prior last name XXXX XXXX XXXX.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-05-05
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)

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 an account without my written instructions.

15 U.S.C 1666 b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent certified letters to TransUnion and XXXX requesting that the unknown inquiry be remove or verify thats on my credit report both credit bureau are stating that they didnt receive my certified letters my United States postal service nor did they make any attempt to verify or validate the inquiries on my credit that being reported on their behalf. I also sent the same letters to XXXX, they recently been removed from my credit report as of today due to the lack of information provided by the creditors that requested the inquires.