davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
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. (MD)

Account number # XXXX Dep of Ed/XXXX on XXXX XXXX original balance {$6000.00} Account number # XXXX XXXX XXXX XXXX on XXXX XXXX original balance {$33000.00} Account number # XXXX XXXX XXXX on XXXX XXXX original balance {$550.00} Account number # XXXX XXXX on XXXX XXXX original balance {$1500.00} Account number # XXXX XXXX on XXXX XXXX original balance {$850.00} Account number # XXXX XXXX XXXX XXXX on XXXX XXXX original balance {$410.00} Account number # XXXX Dept of Ed/XXXX on XXXX XXXX original balance {$3100.00} Account number # XXXX XXXX on XXXX XXXX original balance {$880.00} Account number # XXXX XXXX XXXX XXXX XXXX on XXXX XXXX original {$5000.00} I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CONSUMER REPORT IN ADDITION I DID NOT GIVE EXPERIAN PERMISSION TO FURNISH THIS INFORMATION ONTO MY REPORT THIS IS A VIOLATION OF FCRA 1681B WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIOUS BREACH OF MY PRIVACY RIGHTS
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

I have been disputing information on my credit reports with all 3 bureaus and between the 3 of them none of my information is accurate. I just was declined for an apartment and I received my report. Equifax is still showing inaccurate information on my credit report as well as XXXX. My scores are all different between the 3 and this is frustrating.
Consumer complaint received 2023-06-21
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: Experian Information Solutions Inc. (FL)

I have unconfirmed inquiry lacking certifiable evidence I would like them to be removed please. 

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Very disappointed with TransUnion, of all Credit Agencies, your response and clear lack of proper assessment, you've sided with a crooked company that has lied and not corrected their own misreporting, despite my screenshots of information proving so. You also continue to reduce our scores, again without any consideration, which the other agencies have corrected and who properly reviewed all information and took care of correcting information and scores. Despite proof of unfaultered trial payment program, which has not been corrected, you clearly are unable to rationalize the facts. 

XXXX XXXX XXXX XXXX XXXX, shows missed payments on our mortgage, on two occassions, - PRIOR TO THEIR OBTAINING the mortgage from XXXX XXXX, where there was an agreed deferment and already signed documents in place to restart payments, AND XXXX reporting failure of making trial payments to them, which are clearly documented on the account, received documents of confirmation of ALL Trial Payments and agreement to continue planned payments, YET XXXX  and TRANSUNION have failed to remove the INCORRECT INFORMATION FROM THE CREDIT AGENCY PUBLIC RECORDS. WHEREAS the information has been corrected with XXXX AND XXXX ..... 
This has now caused any company using ONLY Transunion to DENY CREDIT, based upon FALSE INFORMATION from XXXX  on TRANSUNIONS site. 
We have also since received a letter from XXXX offering products to us, based upon our " EXCELLENT PAYMENT HISTORY '' XXXX  and TRANSUNION HAVE FAILED to correct and will be subject to litigation with the Documented proof we have from XXXX  THAT EVERYTHING SINCE AND INCLUDING THE TRIAL PERIOD was satisfactorily PAID AND SETTLED.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (OH)

Discover Between XX/XX/2023- XX/XX/2023, I accrued {$190.00}. Out of the {$190.00}, {$180.00} was posted on XX/XX/2023. The remaining {$8.00} was posted XX/XX/XXXX XXXX XXXX XXXX alerted me to my credit score dropping by XXXX points on XX/XX/2023. In the XXXX XXXX app you click on " Recent Changes '' which directs you to a page that says " Balance Increased '' by " Discover Bank '' and recommends that I keep my credit utilization under 30 %. {$190.00} out of {$900.00} is 21.9 %. There were no payments due for the {$190.00} because it was just being posted- but I paid it off in full on XX/XX/2023. I contacted Discover customer care about this matter, and was informed that they did not offer courtesy credit reporting adjustments. I will be sending XXXX the evidence of my previous statements as well, under file XXXX XXXX XXXXXXXX via postal mail on XX/XX/2023.
Consumer complaint received 2023-08-30
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)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-11-18
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. (NJ)

remove all negative items immediately dont belong to me The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-05-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc. (NC)

When we refinanced our mortgage loan with Mr. Cooper, on XX/XX/year>, the mortgage company failed to submit the " Satisfaction of Security Instrument '' to the office of the Register of Deeds of XXXX XXXX, XXXX XXXX  I have reached out to their customer service with no resolution and no one seems to know what department can assist. We need this document on file ASAP in order to move forward with the sale of our house.
Consumer complaint received 2023-11-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I have a credit card with Bank of America. I made an on-line payment to Bank of America for the XXXX payment in the amount of {$55.00}. This was made on XX/XX/2023, which they did deduct from my bank account. They then deducted a second, unauthorized payment of {$55.00} on XX/XX/2023. I had no idea they were going to deduct this second payment, and this was not authorized by me.
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (MA)

I have a Chase Amazon Credit Card which had a {$4500.00} balance at the beginning on XX/XX/XXXX. I paid off my {$4500.00} balance in full on XX/XX/XXXXXXXX  prior to the close of the billing period. I also made new charges of {$540.00}. 

Chase Amazon charged me {$71.00} INTEREST on a {$540.00} balance. The statement says I was charged for a Balance Subject to Interest Rate of {$3100.00}. 

I should have the ability to pay off my previous month 's balance BEFORE the next billing period and not be charge interest on a balance that was paid off and was XXXX! 

I also should not be charged {$71.00} Interest on a {$540.00} newly incurred balance. My previous balance was paid in full and I should not be getting charged interest on new purchases until the start of the new billing period.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I have constantly dispute with this company. This company has failed to respond to my affidavit that I sent them, and they are boldly violating my federally protected consumer rights. They have been consistently reporting inaccurate account information on my consumer report for both XXXX and XXXX. When I hold them accountable, they refuse to comply. This company is willfully negligent. They consistently blame the consumer reporting agencies and state that XXXX and XXXX are responsible for the inaccurate credit reporting when the debt collector is in fact the new data furnisher who bought the alleged debt and is putting it on my credit profile. This company is more concerned with money so much that they are stepping on my federally protected rights while attempting to collect it. I have filed multiple complaints against this company to no avail. This company is also reporting a closed account as open on my report. I have disputed against this company multiple times with viable proof. I'm requesting the deletion of this account for violation of the FCRA under 15 USC 1681 s-2 Responsibilities of furnishers of information to consumer reporting agencies- ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-03-14
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my 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 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 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 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 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 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 XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-05-04
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC (FL)

Your multiple choice selections did not give me a choice that matched my problem, but here is the outline : A company called  SLS ( Specialized Loan Services )  now holds a HELOC I took out in  XXXX . The loan matured in  XXXX   XXXX . I contacted them before this time to see if I could roll the loan over. I was told that that would not be possible because ( blah blah blah bankspeak ). At that time my  XXXX   XXXX  was over  XXXX . We entered into " loan modification. '' The loan became past due. I offered to continue paying on the loan while they did their work, but was told that I could not do so. I sent them all the typical documents for verifying income and obligations.  Time  went on. On more than one occasion, while speaking to an SLS representative, I asked if my being in default would show up on my  credit score an d was assured that IT WOULD NOT. THIS WAS A FALSE STATEMENT, and is the problem I would like to report. In fact, the company did show me as being in default on the loan. My  credit score i s now  XXXX  on  XXXX , which rendered me unable to refinance my first mortgage -- an alternative to modifying the HELOC which is now closed to me.   I had the ability to pay off the HELOC, and had I known what would happen, I would have, but I was given false assurances and so chose to pursue " loan modification. '' Further complaints : I was offered a " trial payment schedule '' -- -twice. The first time, whoever prepared the offer overstated my income by a factor of  XXXX . The second time, they got my income right, but their payment amount would have left me with less than {$200.00} a month free cash. This was bad enough, but the documents they sent with these " modifications '' included NEITHER THE DURATION OF THE LOAN NOR THE INTEREST RATE. When I called about this ( ahem ) oversight, I was told that I COULD NOT KNOW THIS INFORMATION UNTIL I ACCEPTED THE MODIFICATION. Surely that is illegal.   I believe that they lied to me and strung me along deliberately in order to ruin my  credit score a nd, when all other avenues for refinancing were closed to me, foreclose on my house. I think this because I have found other people with similar stories. SLS is a predatory organization and must be prosecuted and then shut down.
Consumer complaint received 2024-04-10
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. (IL)

I am writing to complain to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-11-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (IL)

I received an email from carmax about an approval for a car payment extension which I had no acknowledgement of and didnt consent to. Im am also the owner of the vehicle and any changes to it and the contract shouldnt be done without my knowledge and consent. Its strange how my request to be removed from the contract was denied, me requesting for the vehicle to be picked up several times after being behind on payments for several months is also denied, but a payment extension is done without consulting with me the other owner of the vehicle, even though we both parties share equal ownership of the vehicle.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - CHARGE OFF XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - CHARGE OFF XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} - COLLECTION
Consumer complaint received 2023-03-14
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. (MD)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-11-19
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)

Am a natural person.I am a living human being. I have the rights under 15USC 1681 Equifax is governed by 15USC 1681 and they have violated my rights numerous of times.I demand the accounts listed below be removed because according to USC1681 the rights to privacy and I did not give Eqifax written permission to furnish these accounts 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 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent out a dispute letter on XX/XX/2023 and about 2 weeks later I received a letter saying that they needed mor time to investigate. Thirty days passed and I still never received results so I sent out another dispute letter on XX/XX/2023. I still havent heard from the company or creditors so I am only left to assume that they are using stall tactics and violating my rights. Even the certified mail receipt was dated incorrectly and I feel like that was on purpose. Through out this whole process I have been unable to view my credit report online or dispute anything online or request a report be mailed. When I call in they just tell me its in review. According to the FCRA disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed.
Consumer complaint received 2023-11-19
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. (DC)

XXXXXXXX XXXX XXXX allowed illegal unauthorized fraudulent transactions and charges and I submitted XXXX police XXXX. And other evidence investigations and reports of the illegal unauthorized fraudulent transactions and charges.
Consumer complaint received 2023-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX XXXXXXXX XXXX allowed illegal unauthorized fraudulent transactions and charges and I submitted XXXX police XXXX. And other evidence investigations and reports of the illegal unauthorized fraudulent transactions and charges.