davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I didn't open this account and I want it removed. I asked for how this account was opened without me being informed over 30 days ago. I need my report corrected asap. I don't see how ppl get away with this
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I HAVE BEEN IN CONTACT WITH EQUIFAX OVER XXXX IN THE LAST MONTH FOR AN ERROR THAT THEY MADE ON MY REPORT. I CONTACTED THEM YESTERDAY TO HAVE THEM UPDATE THE ADDRESS AND THEY DID. BUT, AFTER CHECKING ON IT THE FOLLOWING MORNING, IT HAS BEEN CHANGED BACK TO THE INCORRECT ADDRESS ONCE AGAIN. I HAVE SUPPLIED THEM WITH MY VERIFICATION DOCUMENTS THAT CLEARLY STATE MY CURRENT ADDRESS AND THE CORRECT SPELLING OF MY NAME. YET, THET ARE BLATANTLY FURNISHING INCORRECT INFORMATION ON MY CONSUMER FILE. MY CORRECT ADDRESS IS LISTED ON MY DRIVER 'S LICENSE THAT THEY HAVE COPIES OF AND STILL CAN'T GET IT RIGHT. THIS IS AFFECTING MY ABILITY TO COMPARE MY CREDIT REPORTS BECAUSE OF THE CONFLICTING INFORMATION THE FRAUDULENTLY FURNISH FOR ME. I AM NOT ABLE TO BE APPROVED FOR FINANCING, I'M UNABLE TO GET CREDIT CARDS, I AM UNABLE TO CORRECT INACCURATE INFORMATION ON MY CONSUMER REPORTS BECAUSE OF THE CONFLICTING INFORMATION. I AM ASKING THAT THE CFBP HOLD THE RESPONSIBLE BY COMPENSATING ME FOR THIS UNWARRANTED STRESS NOT ONLY ON ME BUT ALSO MY FAMILY BECAUSE THEY DEPEND ON ME TO BE A PROVIDER. HOWEVER, I CAN NOT PROVIDE IF MY CREDIT IS BLEMISHED. MY CURRENT IDENTIFICATION IS ATTACHED SO THAT THESE ERRORNEOUS ADDRESS THAT THEY PUBLISHED CAN BE PERMANENTLY DELETED. I HAVE DISPUTED THE FRAUDULENT INFORMATION SEVERAL TIMES, YET THEY ARE IGNORING MY REQUEST. ALL I WANT IS FOR THEM TO PROVIDE ACCURATE INFORMATION AS THEY HAVE PROMISED TO DO SO. I HAVE NO OTHER CHOICE BUT TO REQUEST DAMAGES FOR THEIR BLATANT DISREGARD AND DISRESPECT THAT I RECEIVE EVERY TIME I CONTACT THEIR XXXX CALL CENTER REPRESENTATIVES.
Consumer complaint received 2023-05-29
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX  XXXX  account # XXXX XXXX  account # XXXX, XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX/XXXX  account # XXXX XXXX/XXXX XXXX account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX/XXXX  account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX  account # XXXXXXXX XXXX XXXX account # XXXXXXXX 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 2023-05-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/XXXX I spoke with an agent who advised me that I had till Monday XX/XX/XXXX to bring the account current under the overdraft protection with this information she confirmed no transactions would be returned as none sufficient and I would not be charged any fees if the amount overdrawn was placed into account on XX/XX/XXXX. However on or around the XXXX I noticed that the balance reflected an item being returned so I called them and asked about this. I was eventually escalated and followed up with XXXX who assured me that they had listened to the call and the agent did give me misinformation and that the fee would be returned that was charged. I also asked her for the letter explaining this so I could send it to the company that the payment was returned too. However, after concluding our call and reviewing my account the next day I realized that she only returned 1 of the 2 fees, so in speaking back with her she said she wouldn't be returning two because there has to be some recourse on my end. I explained to her well it isn't my fault because I called and verified being so I could make sure the deposit would be made timely. She still refused and also refused to give me details on how to escalate above her.
Consumer complaint received 2023-05-29
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NY)

XX/XX/XXXX - two charges on my XXXX  XXXX XXXX XXXX XXXX XXXX. 
Contacted XXXX right away and they began an investigation. My credit card was than taken over by Comenity Capital Bank. No work from them until XX/XX/XXXX. 
Charges were put back on my card with no explanation. After contacting your agency ( see my original complaint on file ) as well as XXXX, these charges were again put on hold and the interest credited back. My latest bill has interest and fees added-again with no explantion. I have contacted Comenity again as I have with each bill so they know I am not ignoring the charges. I have also been in touch with XXXX corporate office who promised to look into the matter. 

The response you gave is over one month old. If possible, can you ask Comenity for an update on the investigation with XXXX? I have not received any information from either party. 

Thank you for your help, XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

XXXX sent me an email about a new inquiry on my account. I have not applied for anything new cards so I checked this immediately. The new inquiry was for Bank of America credit card. It said location of XXXX XXXX Texas through XXXX credit. I tried to call fraud through discover and was disconnected. So I called experian credit to dispute the inquiry and they submitted my report. Then I called Bank of America fraud and asked them about the account, it was a limit of XXXX dollars and no charges have been charge yet. The application was sent through at XXXX on XX/XX/year> XXXX They didn't use my email or phone number but applied with my home address, ssn and birthday to get this credit card. They lady at Bank of America Fraud Department, XXXX canceled the account and said they will be mailing me paperwork to fill out and that will take the hard inquiry off of my credit report.
Consumer complaint received 2023-05-20
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. (NY)

XXXX XXXX  is showing inaccurate reporting information on my credit report. they state that iam 60 days and or 2 payments late in my three credit reports, Equifax XXXX and XXXX accounts. This is incorrect. I have spoken to a representative XXXX XXXX who has stated that this issue was going to investigated and resolved. However The credit bureaus are reporting inaccurate information. My payments where kept in a suspense account and and not applied to my Morgage payment which is not correct and illegal. Secondly I had covid and was off of work and asked several times for help with this matter and no agents or supervisors helped me come with resolution. Third issue I inquired to get assistance with this matter and was told because I sent any email to the XXXX XXXX XXXX XXXX XXXX email the representatives on the phone could not assist me. L if the payments were delayed why wasn't i offered a Covid program to help me or why wasn't I called to warn me about these lateness. I want these questions answered XXXX XXXX XXXX  failed me and caused me Financial Hard ship and Pain and each agent and representative should be held accountable, with these inaccurate actions. when you are reading this " Place yourself in my shoes ''.
Consumer complaint received 2023-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

A letter from Hunter warfield was sent to me and my daughter on XX/XX/XXXX stated that we owed {$6000.00} for rent on an apartment that I co signed for my daughter. On XX/XX/XXXX my daughter was told that the townhouse that she was renting at the time was being sold to another company and she had until the end of her lease to move. My daughter moved forward and found another place to move immediately then in XXXX the leasing company told her that the new company said she could stay after she found a place and put a deposit on it. My daughter respectfully declined told them that she didnt want to stay that she sound a place and put deposit. In XXXX of XXXX we staring receiving letters stating we owe the amount stated above. We refused to pay them because they said she had to move and she had less then 2 months to do so. They sold this debt to another company who has been harassing us since XXXX of XXXX maybe before then. Ive disputed multiple times asking this new company to send is proof we owe this debt and nothing or this day. Hunter wardield has never sent my daughter her deposit and I dont expect they will. I have uploaded document I have sent to Hunter warfield and collection agency with no proof I owe amount
Consumer complaint received 2023-05-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (TX)

Rocket Mortgage is violating the federal CARES ACT for those ill with XXXX. They told me my forbearance ended and that I needed to pay the full amount lump sum. I asked why they weren't honoring the paperwork they sent me, saying I could pay the amount at the end of the loan, as reiterated by the federal CARES ACT. They gave me two options, that I refinance in which they receive {$120000.00} or I pay lump sum. They are violating the FEDERAL CARES ACT. I am sick with long XXXX and am requiring major XXXX due to XXXX caused by XXXX. Violation of the federal law. I want them to be held accountable for violating FEDERAL CARES ACT. I have kept all paperwork showing this violation.
Consumer complaint received 2023-05-22
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX last XXXX XXXX  Whom It May Concern : I received a copy of my credit report. To my surprise, you are orting this account incorrectly. 
This collection account is orting not only as OPEN, but also shows a past due balance According to the FCRA, I have the right to an rate credit report. Please remove this account immediately m my credit report. Please provide me a copy of my new dit report reflecting this account removed upon completion. 
sincerely, XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$8200.00} Open balance XXXX XXXX XXXX Original creditor Report info XXXX XXXX Last reported XX/XX/XXXX {$5800.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/XXXX {$3800.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/XXXX {$950.00} Open balance XXXX XXXX XXXX Original creditor
Consumer complaint received 2023-05-29
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. (GA)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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/updated. 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. 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!
Consumer complaint received 2023-05-29
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. (GA)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-05-20
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)

The balance on the credit card is paid, I have submitted receipts and proof from the collection company. Experian is just ignoring the proof and siding with the reporting creditor without doing a proper investigation. They want me to believe that they completed a proper investigation in 48 hours during a weekend.
Consumer complaint received 2023-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (NC)

I am writing to formally request a thorough investigation into the discrepancies and verification presented in the recent communication regarding an account allegedly opened in my name. I have serious concerns about the accuracy and legitimacy of the information provided, and I believe it is necessary to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and North Carolina credit laws. Upon reviewing the statement received from Discover, I have identified several discrepancies regarding the addresses and phone numbers associated with the account. I would like to clarify that I have no knowledge of the mentioned addresses, nor have I ever resided at or received mail at these locations. Furthermore, the phone numbers listed as verification are unfamiliar to me, and I have no record of ownership or usage of these numbers. In light of the discrepancies mentioned above, I also wish to address the statute of limitations for debt collection in North Carolina. As per North Carolina credit laws, the statute of limitations for most types of debt is three years. It is crucial to determine whether the statute of limitations has expired in this case, as it may affect the creditor 's ability to pursue legal action to enforce the debt. I request that you thoroughly review the relevant dates and account history to assess compliance with the statute of limitations. In accordance with the FCRA and North Carolina credit laws, I kindly request that you initiate a comprehensive investigation into the validity and accuracy of the information provided by Discover. This investigation should include verification of the aforementioned addresses, phone numbers, and any other associated details. I also request that you obtain and review any supporting documentation provided by Discover, such as written documents or records, to substantiate their claims. Furthermore, I kindly request that Discover provides me with a detailed report of the investigation 's findings within the statutory timeframe of 30 days, as outlined by the FCRA, which they have yet to do. Additionally, I would appreciate their assistance in clarifying how their actions, as outlined in their communication, comply with the requirements of North Carolina credit laws, including the options for repayment assistance directly through Discover and not a third party. I appreciate your prompt attention to this matter and your commitment to upholding the provisions of the FCRA and North Carolina credit laws. Thank you for your assistance in resolving this matter. I look forward to your prompt response.
Consumer complaint received 2023-05-29
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, DEPT OF EDUCATION / 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 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.