davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
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: Resurgent Capital Services L.P. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 Section 604 A Section 2 it states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Thank you.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VYSTAR CREDIT UNION (FL)

XXXX Tried to use debit card for business and personal accounts and the accounts where locked again. They have been locking and unlocking the accounts for the past XXXX months but I did not keep the exact dates. 

I am not working at the moment and the bank keeps locking my account because I am about 1 month behind on my personal loan. I have called and requested help but was told because I am not working they can not help me by modifying the loan terms. 

They continue to unlock the account when I scream and yell and cause a fuss. It was unlock XXXX as I have been using the funds I had in the account to buy food and pay some bills. It was a loan from my sister as I am struggling to find work. 

I do not know how this is even legal. I called a local attorney and he said there isn't a whole lot they can do from a legal stand point. I don't know how this IS LEGAL, as it is my money and my choice to do what I please with it. 

They don't want to work something out with their consumers and do the right thing. 

Please help me unlock my accounts.
Consumer complaint received 2023-06-30
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)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account ( XXXX ) impacting my credit XXXX XXXX XXXX {$45000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX 2017
Consumer complaint received 2024-04-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NAVY FEDERAL CREDIT UNION (TN)

I filed an mortgage loan application with Navy Federal Credit Union. I was rate shopping and found a lower rate. Then Navy Federal loan officer XXXX XXXX informed me that I could lock in a rate of 6.125 % and had the option to buy down to 8.5 %. I agreed to that rate and she sent me the paper work to sign, just sign, not fill out. 

I received a paper via email and digitally signed it. The option for the rate lock was preselected for me. My understanding was that it was a float lock that protected the interest rate at 6.125. 

Upon getting ready to close, the loan processor, XXXX XXXX, informed me the rate was now 6.375 % I sent her the paperwork explaining we locked in the rate at 6.125 % She said the rate was never locked in. However, I was not able to lock it in. Firstly, the loan was approved pending documentation. The documents required was to show my husband didn't owe child support, even though the credit report showed he didn't owe anything. 

Navy Federal filled out the option for me and sent the documentation for signature only. Also, since they needed double verification that no money was owed for child support and did not know when closing was, we were unable to lock in the interest rate. So, it is my opinion that Navy Federal manipulated the process in order to allow the interest rate to increase.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VI)

A credit line from XXXX  XXXX has been reported as upgraded or deleted on or from my credit report on XX/XX/2020 and I had a credit score decrease because of that. The credit Tradeline from XXXX  XXXX was never mine so now that they have removed or updated the Tradeline, I am asking that the XXXX  XXXX hard inquiry on my credit report be removed from my credit profile.
Consumer complaint received 2024-04-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it. )
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to express my frustration regarding the unresolved issues surrounding my status as a victim of identity theft, as my previous correspondences with your bureau have not resulted in a satisfactory resolution. Once again, I am disputing the presence of fraudulent information that is negatively impacting my credit file Despite my submission of the necessary FTC complaint, your bureau continues to report this fraudulent account on my credit report. I want to stress that I have already contacted the banks associated with this account, provided the required documents, and successfully had the account promptly deleted from their records. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
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. 

Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX GEORGIA XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2024-04-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX XXXX XXXX I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-04-09
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. (CA)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified this account that are reporting late payments inaccurately and I want to dispute the inaccuracy of this account. I have contacted the companies related with this account, and they have confirmed that the late payments were errors and have agreed to update my account and take off the late payments. 
XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After reviewing my credit profile on XX/XX/2023 i identified numerous discrepancies with accounts reporting on Transunion accounts. I sent certified letters to Transunion on XX/XX/2023 concerning these discrepancies and fraudulent inquires and the accounts continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. According to 15 USC 1692e has been violated. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all the discrepancies is corrected.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 2023-08-30
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. (TX)

I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay.
Consumer complaint received 2023-04-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

This is the 3rd complaint as this is still not resolved. They hold on to our payments, put them in a hold, collect late fees, extra interests, raise payments, and say we are late. We have never been late. This company needs to be investigated. Still showing we are late and are accusing late fees. We have always, ALWAYS, made our payments early, and because we would not refince on their terms, they screwed up our account and it still has not been fixed. They paid our from our Escrow without reason. Most of that has been fixed but not our payments. Three times with the same complaints!!! They have listed us as being late on our credit to keep us from finding another mortgage company and lower our credit rating. I can't believe Veterans and their families are treated this way. LoanCare should have never been allowed to buy any Veterans ' VA home loans. Also attached proof that they knew about our insurance through XXXX before they screwed up our Escrow.
Consumer complaint received 2019-04-01
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lendmark Financial Services (NC)

The date was XX/XX/2019. And the loan amount ask for the vehicle was XXXX XXXX dollars and +.I inquired about the vehicle at XXXX XXXX in XXXX N C. I do bussiness with XXXX XXXX XXXX in XXXX NC . Instead XXXX call XXXX XXXX XXXX in XXXX N C. And XXXX specifically ask for a man name XXXX. I was handed the phone without the knowledge that it wasn't XXXX  XXXX XXXX in XXXX N C. I also did not authorize XXXX to contact Lendmark to check my credit.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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, XXXX, and Equifax.
Consumer complaint received 2024-04-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (MA)

I am writing to dispute a collection account appearing on my credit report. According to my records, there is a collection account listed under the name XXXX  with the following details : Account Number : XXXX Account Type : XXXX  - Charge Card Date Opened : XX/XX/XXXX Balance : {$0.00} Payment Status : Charge-off Last Reported : XXXX am disputing this account based on my rights under USC 15, which outlines the responsibilities of debt collectors and the rights of consumers. I am requesting that this account be investigated and, if found inaccurate or unverifiable, be removed from my credit report.Please note the following discrepancies and reasons for my dispute : The account balance is listed as {$0.00}, yet it is marked as a charge-off. There seems to be a contradiction in the reporting, and I request clarification on this matter.The last reported date is XX/XX/XXXX, indicating recent activity on the account. However, the date last active is listed as XX/XX/XXXX. This inconsistency requires further investigation.There is no record of any late payments in the two-year payment history provided, which contradicts the charge-off status of the account.I request that you conduct a thorough investigation into the accuracy and validity of this account. If you can not provide sufficient evidence to verify the debt within the required timeframe, I demand that it be promptly removed from my credit report.Please provide me with a written explanation of the results of your investigation and any actions taken within 30 days of receipt of this dispute letter, as mandated by the Fair Credit Reporting Act ( FCRA ) .Thank you for your prompt attention to this matter.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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.

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 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported. 
Please see this account is removed from my file at once. 
Bankruptcy XXXX XXXX XXXX