davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
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: Synovus Bank (DE)

In accordance with the fair credit Reporting act XXXX 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-10-09
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. (WI)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 


15 USC 1681 section 602 A 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 accounts without my written instructions. 



Delete this/these accounts unless you want to be held accountable for {$1000.00} per account
Consumer complaint received 2024-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP (MN)

Id reached out to US Bank because I was using the online app as well as the XXXX XXXX to view and manage my mortgage. Upon logging in it says welcome XXXX. Additionally, when I hit the drop-down to see properties, it appeared that her loan and property was on the drop-down with mine. I was unable to tap on her loan and drill down all the sections with information I couldve gone as far as putting her on auto pay. Ive been about this multiple times. Every time I was assured it was gon na be fixed it was. Im sending that maybe this is connected to the identity theft and the fraud thats taking place. Id like a full explanation and a reason why I have somebody mortgage from XXXXXXXX Washington named XXXX XXXX to XXXX XXXX from XXXX, Washington. Its very strange that all these things are happening with my accounts with US Bank and Im just looking for some answers and some relief. Please forward to Bank so they can work on getting me a response. Someone called me the other day and said the same thing theyve been saying for months and that theyre working on it. I have ceased using their online app and any desktop version that they have. I know the last time I used it. I was still being called XXXX. Sometimes I wonder if it has to do with the XXXX number that they have on my business account. Or the account number that verifies who I am. Its also troublesome and worrisome for me. How am I supposed to protect my identity and respond to this and restore my life as it was if the information thats programmed in his systems about me is incorrect and the people that programmed it wont answer. Please help me out here.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I was checking my credit report and noticed I had inaccurate information on my payment history the dates are inaccurate please remove this account because its reporting inaccurate information, I sent a dispute letter to all three credit bureau, I need this account removed, Ive attached the inaccurate Payments history information from all bureaus
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

2 accounts was removed from my credit report not giving me a Fair Credit report. 
XXXX-OPENED XX/XX/XXXX- UNSECURED LOAN, {$32000.00} XXXX- OPENED XX/XX/XXXX. 

BOTH POSITIVE ASPECTS OF MY CREDIT REPORT THAT HAS NOT BEEN REPORT IN THE PAST SEVERAL MONTHS. 
Per FCRA PAID DEBT SHOULD REFLECT INDEFINATELY OR AT LEAST TEN YEARS ON MY REPORT.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXXR XX/XX/2021
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I was checking my credit report and noticed I had inaccurate information on my payment history the dates are inaccurate please remove this account because its reporting inaccurate information, I sent a dispute letter to all three credit bureau, I need this account removed, Ive attached the inaccurate Payments history information from all bureaus
Consumer complaint received 2023-07-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: WLCC (MO)

I applied for a loan, gave all the necessary and required documentation. I was approved for the loan and was told it would be between XXXX to 2 days that it would be deposited into my account. Hours before the deposit was scheduled, I received an email saying that my application was declined due to a number of reasons. However, those reasons didn't make sense considering the application process. For example, one of the reasons it may have been declined was because they were unable to verify my identity, however they never asked for a picture ID. Another reason they claim the application was declined was because they were unable to verify my bank account information, which contradicts the fact that it was still scheduled to be deposited.
Consumer complaint received 2022-12-07
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Onity Group Inc. (CA)

Unknown parties claiming to own my note and deed of trust have unlawfully filed another notice of default on my parents property. they are XXXX and XXXX and XXXX. We have sent them the attached subpoena and nobody replies. They are asking my parents to contact XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, California XXXX on tel : XXXX ( XXXX ) XXXX and we don't know why? We believe they are simply trying to steal our home of 20 years.
Consumer complaint received 2023-10-09
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. All accounts listed above. Has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the 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 instructions.
Consumer complaint received 2023-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

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 Date XXXX Balance {$89.00} StatusCollection account. {$89.00} past due as of XX/XX/XXXX. 
Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX POTENTIALLY NEGATIVE Date XXXX Balance {$89.00} StatusCollection account. {$89.00} past due as of XX/XX/XXXX. 
I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was checking my credit report and noticed I had inaccurate information on my payment history the dates are inaccurate please remove this account because its reporting inaccurate information, I sent a dispute letter to all three credit bureau, I need this account removed, Ive attached the inaccurate Payments history information from all bureaus
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I bought an XXXX laptop from the XXXX website and I applied for a credit card. Within XXXX minutes of placing the order I canceled it as I got a better price from XXXX XXXX. However, XXXX said I would have to tell the XXXX XXXX I would not accept the package and to have it returned. 

I never accepted the computer, I never purchased anything on the credit card yet they claim I have a late payment which is impossible since I never accepted it and XXXX received the computer. 

I have a late payment on my Experian credit report.
Consumer complaint received 2023-02-17
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. (NJ)

I am a victim of identity theft and Im writing to you LET YOU KNOW THEY ARE NOT TAKING MY DISPUTES SERIOUSLY! Dispute the fraudulent accounts in my file that I did not make or authorize. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed.

A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2018-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TIDEWATER FINANCE COMPANY, INC. (TX)

Sign under a promotional deal with Todewater Finance and received a 0 % interest bill up to my final payment. Each bill failed to state the amount of deferred interest getting charged to my account and the final bill stated that the interest charged to the account was still 0 %. Paid final bill then received a bill stating that I was charged an extreme amount of interest, as well as, vague and/or misleading information of the itemization of the account. Called to speak to the company and was rudely told that monthly statements are a courtesy and did not have to state accurate information. Was also told by two separate managers and several employees multiple stories about why my account was charged this amount. I received a payment history that had a missing payment made by myself. The company told me to get with the store that I financed my items from or to go back and provide my own information of my payment history for all payments. Ultimately, the company is using misdirected, misleading, and/or unethical business practices and according the last statement I received, before the fraudulent statement afterwards, the account is paid in full.
Consumer complaint received 2023-10-09
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with the fair credit reporting act XXXX  Account # XXXX. Has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-13
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: Experian Information Solutions Inc. (SC)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 it also states consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Date report XX/XX/XXXX and date opened XX/XX/XXXX which is also inaccurate
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Medical Data Systems, Inc. (TX)

I am a XXXX XXXX veteran with a XXXX XXXX  XXXX rating. Medical data systems has continued to place collection accounts on my credit reports. Some have been removed and replaced with different amounts and some placed on other credit reports with different credit bureaus. I have disputed the same accounts so many times that I no longer have the option to dispute them with the credit bureaus. Please any help with this matter would be great.
Consumer complaint received 2018-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX XXXX acct # XXXX XXXX XXXX is the original/ XXXX XXXX XXXX XXXX XXXX, sc XXXX I have tried to tell this company that I did not sign any documentation to this company and requesting the following information 1 agreement with the creditor that authorizes you to collect on this alleged dept 2the agreement bear my signature stating that I have agreed to assume the dept 3 valid copies of the dept agreement stating the amount of the dept and interest charges 4 proof that the statute of limitations has not expired 5 complete payment history on this account along with an accounting of all additional charges being assessed 6 show me that you are licensed to collect in my state ; Texas 7 your lincense numbers and registered agent I have yet to receive any of this information, and its really becoming a problem, please assist me with this issue
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I filed bankruptcy and it has been XXXX for 3 years. XXXX XXXX XXXX will not update their records regarding this nor will they report to the credit agencies.
Consumer complaint received 2023-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (CA)

I am a a victim of Identify Theft, where my personal information has been compromised. 
I have taken the steps and filed a " Identify theft report '' on XXXX as well as filed a police report at my cities local police station. 

I found out about two months ago when seeking to renew my auto finance lease through XXXX. Unfortunately In doing so, I was denied access to my OWN XXXX account since I couldn't verify the " correct information " since someone else provided wrong information so I couldn't even identify myself with my CORRECT identification. 

I then proceeded to try to open an account with XXXX XXXX since I couldn't get into XXXX... I couldn't even open an account with them since someone already created an existing account with an email, ( XXXX ) that does not belong to me XXXX reflecting wrong listed below : My birthday, My address, and my name were all listed wrong. 
( I was able to fix that after trying for two weeks with only one Credit Bureau, XXXX ) Accounts THAT DO NOT BELONG TO Account : XXXX Amount : XXXX Account Type : Charge Account Accounts : XXXX Account type : Installment/ Unsecured Loan Amount : XXXX Account : XXXX Account Type : Instalment/unsecured Loan Amount : XXXX Hard inquires XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX New XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, New XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG ADDRESS, XXXX XXXX XXXX XXXX XXXX A XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I also have many duplicates on my hard inquiry that should not be reflecting twice LISTED BELOW XXXX XXXXXXXX - REPORTING THREE TIMES XXXX XXXX REPORTING TWO TIMES XXXX XXXX XXXX XXXX- REPORTING In order to solve this, I have tried to call all three Credit bureaus and every time I have been transferred and not helped ... . I feel like my rights are being violated under the Section 623 ( a ) ( 1 ) ( B ) and no one has been responding to all my attempts which resulted in failure. this is my last and final resort
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$500.00} was written off. 
( illegal XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX had my account on credit protection and i was making payments. I was told by a representative to send in my billing statement and make it payable and i did what the representative told me. My account is not a charge off. This account is reporting negative when it is positive. This account violated my rights by closing the account before handing to explain to me what the issue was. I do not feel like XXXXXXXX XXXX XXXX treated me like a normal customer or like a responsible customer. This company damaged my credit profile by reporting illegal information. I was never late or this was considered as charge off i want this account to be reinstated being that i was violated and i want this account to be updated to on time paid and never late under FCRA 15 usc 1681i ( n ) ( a ) ( b ).