davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I noticed that my credit report was used improperly according to law. As a federally protected consumer I have a right to privacy according to the Privacy Act of 1974. I reached out the credit agencies about the matter in XXXX and they disregarded my request. They stated that the information was VERIFIED, but they did not send me proof of how they Verified this information. I have a right to know according to law 15 USC 6802. I requested that the credit agencies to send me the information they used and the person they spoke with, dates to verify how they are able to add a Bankruptcy to my credit report. This public record is SERIOSLY AFFECTING my credit and I am not able to obtain credit because of it. I would like it removed IMMEDIATELY. I reached out to the Bankruptcy Court and ask them are they allowed to report a public record to the credit agencies and they stated that they do not send anything to the credit agencies. They sent me a letter and I also sent this exact same letter requesting that this be removed from my report and they refused to remove the information. I am not sure who the credit agencies got this information from. I have not consented to any 3rd party reporting my personal and private information to the credit agencies. According to 15 USC 1681 I the consumer have a right to privacy and this Public record is a violation and inaccurate reporting. Please remove this BANKRUPTCY from my credit report and send me a copy of the updated report. According to 16 CFR 313.7 I the consumer have the right to OPT- OUT of the Credit Agencies reporting this Public Record " BANKRUPTCY '' on my credit report. If the credit agencies do have correspondence with the COURTS then I am requesting they send me the information they used to verify this information directly from the courts not a 3rd party reporting agency that I did not give consent to. I am asking that this be REMOVED IMMEDIATELY from my credit report.
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc. (KY)

I have disputed this account varies times to all three credit bureaus, I have sent copies of the IDENTY theft report which I was later told I needed to make a new one because that XXXX expired. Therefore I would send a new one with certified mail ensuring I was notified when they received it. I have requested information in XXXX and in XXXX of XXXX from the original company XXXX XXXX XXXX and to this day I still have not received anything verifying I owe this debt. This account is part of IDENTY theft and I have sent them copies of everyone confirming this.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PR)

As of XX/XX/2020, I was laid off from my job and salary due to the lockdown caused by Covid-19, being unable to assume my financial responsibilities. I proceed to call the creditors looking for alternatives such as payment arrears and they all offered me moratoriums and alternatives in payments with the exception of Best Buy ( Citibank ) which indicated that due to the account in arrears, I did not qualify for alternatives or any other assistance and to make the payments while he could. In XXXX 2020, I received a letter from XXXX XXXX XXXX XXXX ( XXXX ) collecting the total debt of {$2500.00} from Best Buy. I proceed to call Best Buy and Mr. XXXX attends me indicating that the account is Charge Off and that he had to manage the pending payment with the XXXX XXXX company. I proceeded to call XXXX XXXX and they tell me that if I paid the amount of {$1300.00} at the moment the account would be settled and resolved. We proceeded with the payment at the time for the indicated amount of {$1300.00} after one week I received the letter of agreement indicating that the balance was canceled. I made a claim to Best Buy on XX/XX/2020 and they only credited the amount of {$1300.00} leaving the account with an outstanding balance, when the letter indicates that the account was resolved and settled.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022, at XXXX, XXXX XXXX received a call from supervisor asking if the bank account numbers were changed and to review emails. Supervisor sent administration manager a copy of an email presumably sent by admin to financial team abroad, the transfer forms sent to XXXX for XXXX funding requests, and a copy of Chat between financial team regarding account number changes that occurred prior to transfer of funds to fraudulent account. After reviewing exhibits,, XXXX XXXX confirmed no bank account numbers were changed and the email correspondence was not sent by admin. Declaration of Incident was announced, and the coordinator notified the incident management team for a pre-assessment, identifying the affected services for response activation. Cases were filed online the evening of XX/XX/2022 with Bank of America and XXXX XXXX Police Department. Saturday morning, XX/XX/2022, XXXX XXXX went to an open branch with case documents and fraudulent account information and manager of branch froze fraudulent accounts established and funds. Bank of America is refusing to return funds in amount of over {$1.00} XXXX dollars for both XXXX entities.
Consumer complaint received 2023-01-12
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I received an auto loan in XXXX  and my payments are not behind and never have been, but Capital one continues to negatively affect my credit report by pulling a hard inquiry at some frequency. I have asked why and noone has an answer. I want them to stop pulling my credit for an existing, current loan. It's hurting me and they stay on XXXX  years.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX  Listed below are the Personal Information that are being challenged Incorrect Name : - 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 Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXXXXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2023-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NC)

In XXXXXXXX XXXX XXXX XXXX claimed that their equipment was not returned. After providing proof that the equipment WAS returned and signed for, XXXX acknowledged their error then issued a refund to my bank. The following month, incredulously, they decided to rebill my account. The charge was disputed, investigated by XXXX XXXX XXXX XXXX, who found in my favor. Since then, the supposed " debt '' has been passed on to different collectors, and I am constantly having to provide proof that this is not a viable debt.

The latest collection agency to handle this non-debt, has been Resurgent, and although I have sent them proof that this is NOT a viable debt, they continue to refuse to acknowledge the truth or remove the debt from their books. Instead, they continue to send a form letter telling me of their intention to collect the unpaid amount. Calls to their XXXX number are ineffective as they claim a previous cease and desist order prevents them from discussing the case. 

They have also refused to establish the validly of the debt, instead, they have provided me with the date and amount of the supposed debt, but have not made any attempt to actually verify the debt with XXXX, or investigate or acknowledge the undisputed evidence that they have received clearly indicating that there is not a valid debt. 

Despite the acceptance of a stop and desist order, the refusal by Resurgent to remove the bogus debt from their books, leaves this issue unresolved with possible consequences to my credit rating.

I need to have this issue resolved once and for all to prevent future possible damage to my economic standing.
Consumer complaint received 2024-05-08
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. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX has XXXX 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 2024-05-08
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: Experian Information Solutions Inc. (WI)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2023-05-02
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. (GA)

On XX/XX/XXXX I disputed several false claims on my credit report from Experian. As a result, they received the letter via certified mail on XX/XX/XXXX. It's now been 30 days since the investigation. Therefore, Experian is in violation of the following, 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2023-05-02
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. (MI)

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 account number : 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 th
at the information is inaccurate.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-05-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

My name is -- -- -- - and I have a mortgage with Carrington with the loan number ********. I had the name -- -- -- -- -- which was changed to -- -- -- -- -which is my father 's last name. -- -- -- -- was my sibling 's father 's last name. During Covid my Fiance -- -- -- -- -- - who has lived with me for 5 years lost her employment. I utilized the assistance from Carrington Mortgage which provided a forbearance option in XXXX of XXXX. I was able to settle Debts and was in a position to begin paying the mortgage again in XXXX of XXXX. I was assigned a XXXX agent named XXXX XXXX who refused to communicate with me by phone. She sent me some strange questions asking if I was married to a woman named XXXX. I requested to speak with her on multiple occasions as her responses were at times erratic and did not fit the context of our email conversation. I sent in multiple packets to continue the mortgage process for modification after forbearance which failed XXXX due to me not being aware that my signature had to be signed " -- -- -- -- -- -- fka -- -- -- -- -- -- ''. The block read my name " fka '' my previous name which meant to me that my signature acknowledged that I had previously been known by another name. The document was supposed to have my current signature followed by fka and then my previous signature on that line which I have never heard of nor had my various notaries. XXXX XXXX did not instruct me that this was why my contracts were rejected nor did she instruct me of what the contract signature required. She just continued to repeat that my signature was incorrect. This fact was relayed to me within 2 emails by my new servicer XXXX XXXX who explained right away what the error on the application was regarding the signature block. I was able to speak to her by voice and sha has given me a clear understanding of my options. I have the email threads to XXXX XXXX and can forward them in order to understand the rationalization for my dispute. I have documented attempts to speak to her and clarify why my packets were being rejected and she refused to contact me or clearly elaborate on what was required.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

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 2023-05-02
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION (NC)

To whom it may concern : I am a customer of My Navy Federal & my Acct was frozen by XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX. My Account has been Cut off for more than 2 yrs by these People for a balance of {$14000.00} according to this company this judgment was entered on XX/XX/2003. at this time I was incarcerated most of XXXX into XXXX before that i was living at XXXX XXXX XXXX XXXX XXXX XXXX. Navy Federal went off the word of this company & closed my acct off to me. this case has never went to court plus it is over 20 yrs old. I believe this is a Scam as stated by the Attorney General 's Office. Navy Federal Excuse is they are a third party & Have been given a court doc by this Lawyer by looking at this Info Subpoena with restraining notice, Paperwork not signed by a Judge or officer of the court no court seal nothing it looks like something made up in the kitchen. I need help badly its been 2 yrs please someone help me. Navy Federal is wrong for this in my eyes with out proof of anything that this case was ever in court. I even XXXX these people the had a fraud case trying to get funds out another woman froze her accounts & she sued them. i can not uploaded the photos so I will be sending them once i get them printed up. BTW this is not even on my credit report.
Consumer complaint received 2024-05-08
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: Experian Information Solutions Inc. (NJ)

To Whom It May Concern, I am writing to file a formal dispute regarding the inaccurate reporting of my credit history by XXXX, XXXX, and Experian, which is in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. 

Despite providing ample evidence to support my claim, all three credit bureaus continue to report differing late payment records for my XXXX  XXXX XXXX credit card, which was paid off in full. 

I have meticulously maintained my credit obligations and have never missed a payment on my XXXX  XXXX XXXX credit card. Any discrepancies in payment history reported by the aforementioned credit bureaus are not only erroneous but also damaging to my creditworthiness. 

To rectify this issue, I visited my XXXX  XXXX XXXX XXXX and obtained confirmation from the business XXXX associate, providing concrete evidence that all payments were made on time and in full. Despite presenting this evidence, the credit bureaus have failed to correct the inaccuracies in my payment history. 

Under the FCRA Section 611, I am entitled to a fair and accurate credit report. The discrepancies in my credit history are in direct violation of this provision. Additionally, the reporting agencies are obligated to adhere to Metro 2 compliance standards, which govern the reporting of credit information. 

I respectfully request that the Consumer Financial Protection Bureau intervenes in this matter and ensures that XXXX, XXXX, and Experian accurately reflect my credit history in compliance with the FCRA and Metro 2 standards. Additionally, I urge for a thorough investigation into the discrepancies and prompt resolution of this issue. 

Enclosed with this letter is the evidence provided by XXXX  XXXX XXXX confirming my timely payments. I withdrew money to then pay my credit card at the same time since I was already at the bank. It really doesnt get anymore clear. I want this fixed. I kindly request that you review this documentation and take appropriate action to rectify the inaccuracies in my credit reports. 

Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of my accurate credit history.
Consumer complaint received 2023-05-01
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, 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, 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.