davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-25
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC (TX)

My mortgage company is Planet Home Lending. In XX/XX/2021 they recalculated my mortgage payment due to my receipt of XXXX XXXX  VA XXXX and waiver of my requirement to pay property taxes. My payments were now principal, interest, & homeowners insurance. The correct amount I have consistently paid on time since XX/XX/2021. Planet calculated incorrectly and, despite paying the correct amount on time, Planet continually has reported my payments late. I tried contacting them over the past months and I am left on hold for an hour or more. When finally reaching someone in XX/XX/2021, Planet initiated another recalculation confirming my argument. Even still, Planet has continued to report me delinquent on my credit report regardless of the fact I have and continue to make my required payments on time.
Consumer complaint received 2022-06-25
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: EQUIFAX, INC. (MO)

Submitted a dispute for an inaccurate late payment that is reflecting on an installment account for the month of XX/XX/2022. The investigation resulted in a verified reporting. Thus, is incorrect as I submitted proof of payment as well as communication from the furnisher that the payment was made on time and in full and should be reported as such and not over 30 days late.
Consumer complaint received 2022-06-25
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. (CA)

In accordance with the Fair Credit Reporting act XXXXXXXX  XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-12-06
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: Merchants' Credit Guide Company (IL)

In accordance with the Fair Credit Reporting Act, Merchant Credit Guide Account # 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 an account without my written instructions.
Consumer complaint received 2022-06-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

I have been going back and forth with USAA about this credit card debt since XXXX of XXXX. I originally mailed them documents ( Validation of Debt ) requesting them to provide evidence/proof of the original lawful contract signed in wet ink by both parties, myself and USAA FEDERAL SAVINGS BANK XXXX Up until this point, they have never been able to do this. I have sent many other documents to include an Affidavit of Truth stating violations from USAA FEDERAL SAVINGS BANK, I had submitted a CFPB complaint back in XXXX of XXXX, mailed an Affidavit of Non-compliance, Affidavit of Service, Notice of Fault, and my most recent correspondence was mailing a Notice of Default and Consent to Judgment. All of these documents have been certified mailed and received by USAA FEDERAL SAVINGS BANK and stand unrebutted in law. To date, I have yet to receive any type of proof/evidence of the lawful contract that proves I am obligated to pay the debt associated with this account. In my previous CFPB complaint, USAA FEDERAL SAVINGS BANK stated that verification of debt was sent to you on XX/XX/XXXX. The letter referenced in this statement was simply a copy of an account statement and did not provide/include any sort of LAWFUL contract. USAA FEDERAL SAVINGS BANK also stated within their reply that we confirmed the PII provided on your account application matched your data in consumer and credit databases, account transactions occurred within your geographic location, and regular payments were made from your USAA FSB deposit account. This statement along with the rest of the reply from my original CFPB complaint never stated or confirmed that they were ever able to provide to me the original, lawful contract. A lawful contract consists of 5 things : A valid offer, adequate consideration, valid acceptance, sound mind/Mental clarity, and a Meeting of the Minds along with a wet ink signature. USAA FEDERAL SAVINGS BANK continues to not and has not been able to provide any sort of document, piece of paper, that is inclusive of the 5 parts I just previously listed. A lawful contract does not even exist between USAA FEDERAL SAVINGS BANK and I because they never provided adequate consideration, as they were unable to provide anything of value because they have no lawful money in their bank/on their ledger. There was also no Meeting of the Minds and wet ink signature as I never met with the CEO of USAA FEDERAL SAVINGS BANK and signed an actual piece of paper/contract. Since USAA FEDERAL SAVINGS BANK has been unable to provide the original lawful contract, they are NOT the holder in due course and is not owed anything. 
I continue to dispute this account as well and USAA FEDERAL SAVINGS BANK continues to report the account to the credit bureaus as delinquent
Consumer complaint received 2022-06-25
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. (SC)

In Accordance with fair credit reporting act XXXX  accounts # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # 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 : its also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-25
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. (SC)

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Balance {$660.00} Highest Balance {$660.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Collection account Original Creditor Name No Info Closed No Info
Consumer complaint received 2022-06-25
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. (TX)

I never open this account, I was only a minor when this account was open. I have asked several times to get this matter taken care of, and the credit bureau keeps denying my request. I am XXXX years old now and I have a baby, I cant get my own place are open a credit because of that credit file that someone opens using my Social Security number. I have sent in a copy is my Texas ID, Social Security card, and Bank statement with the address and my name
Consumer complaint received 2022-06-25
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. (SC)

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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. 


Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Overview Balance {$990.00} Highest Balance {$990.00} Opened XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXXXXXX XXXX XXXX XXXX Closed No Info
Consumer complaint received 2022-06-25
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State 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.
Consumer complaint received 2022-06-25
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. (NC)

n accordance with The Fair Credit Reporting XXXX  Account XXXX, XXXX, XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the got to privacy 15 U.S.C 1681 section 604 A. states section 2 : It also states a consumer reporting agency can not furnish am account without my written instructions
Consumer complaint received 2022-06-25
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: EQUIFAX, INC. (FL)

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00}
Consumer complaint received 2022-06-25
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)

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00}
Consumer complaint received 2022-06-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RSI Enterprises, Inc. (AZ)

I was not aware debt was owed because the company & collector had the wrong address. No phone calls were made to me about the debt either. 

As soon as I noticed it on my credit report, I called the collector, paid the balance in full and they agreed to delete it from all credit bureaus. 

See the latter attached dated XX/XX/2022.
Consumer complaint received 2022-06-25
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. (NY)

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXX XXXX Date Opened : XX/XX/2015 XXXX XXXX : {$23000.00}
Consumer complaint received 2022-06-25
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX and Possible XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-06-25
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 XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX 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 instructions
Consumer complaint received 2022-06-25
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. (SC)

In accordance with fair credit reporting act XXXX  account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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. 


Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Overview Balance {$990.00} Highest Balance {$990.00} Opened XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Closed No Info
Consumer complaint received 2022-06-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (NC)

I have attempted to set up an account with Binance US. I have submitted all the documents requested, very personal information and photos. This has taken place over several attempts, each time the come back and request information I have already submitted. It seems a never ending cycle and I have asked them if their intention is to actually set up accounts or just collect and hold sensitive personal information. I would not have started the process had I known they were so un organized or lacked attention to detail with my personal information. Now it is out there and I feel un secure.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

XXXX 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 instructions
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (AL)

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, 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 2022-06-25
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. (PA)

In accordance with the Fair Credit Reporting act the following creditors have violated my rights XXXX XXXX XXXX bank Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX account # XXXX Equifax  XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Account # XXXX Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said any credit card. The Credit card is my social security card In which I used to originate every consumer credit transaction above. 

Pursuant 15 USC 1681a 2 ( A ) ( i ) Exclusions-Except as provided in Paragraph ( 3 ), the term consumer report include - ( A ) Subject to section 1681 s-3 of this title, any ( i ) report containing information solely as to transaction or experiences the consumer and the person making the report ; This law clearly states Transactions or experiences between consumer ( Me ) and the person ( The above creditors ) making the report is NOT INCLUDED on my consumer report Pursuant 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Pursuant 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 and I have not given any of the above corporations written permission to furnish any of the above items on my consumer report my rights have been violated.
Consumer complaint received 2022-06-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Chime Financial Inc (CA)

I signed up for a credit building debit card from chime.account was approved and card sent out aswell as multiple emails on how to activate card make purchases or add money. I went through all steps, password and personal info after downloading app for the card in order to activate, after receiving the card in the mail I went to activate the card like it says through the app and it wouldn't let me sign in with my password wich I did not forget and have written down on fact.i try the steps to reset password on my own, they ask you to send a picture of yourself and a picture of your id front and rear bar code, then they say were texting u a pass code, no code is ever received, there's an option to update phone number, they ask u to send a selfie and and id picture, then I will receive a pass code only the pass code does not work, tried multiple times multiple ways, im very capable of online type sinus things and using devices. No mistakes on my end! I call customer service wich is a never ending loop of the same recording, so I try the fraud department and finaly talk to a human, who does absolutely nothing besides suggest what the online app does, after explaining ive send my id and selfies multiple times he tries sending me a passcode to reset my password, nothing ever comes in, you can hear children playing in the background I should add.afyer waiting with the guy for 20 mins no text, no email no nothing... so he says there's nothing he can do and someone will call me in 2 hours ... .no call received its been a week.aftwr multiple emails with an automated customer service robot I've asked multiple times to discontinue my account or to please have a number sent or someone contact me to fix the situation.after my repeated efforts they continue to email me the same message asking for my ID and selfie... .I belive chime is a fake company and if they are not they need to be shut down based on customer service alone.my name.is XXXX XXXX XXXX XXXX ) XXXX XXXX ca XXXX
Consumer complaint received 2022-06-25
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. (AZ)

My data was leaked 3 times. I have proof of this from my credit Report. I had cards opened in XXXX and And XXXX XXXX with XXXX XXXX. I reported these cards as theft and they closed the XXXX XXXX and took the balance away, and then they brought it back. My XXXX  card account was closed but they say I am still responsible for The card. I live in XXXX and the charges were all in New York. I would like this removed from my credit report. It has brought my score down XXXX points.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that 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.