davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
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)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2023-10-18
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. (FL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2023-08-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC (CA)

Okay so on XX/XX/XXXX I called the company that Services my mortgage loan to ask why they are trying to charge me close {$1900.00} US dill in deficiency escrow account I advise them that I've been paying my bills on time taxes have not gone up more than {$70.00} in 2 years and my insurance probably went up {$100.00} in the past 2 years so this is not adding up. 
They kept giving me the runaround transfer me to XXXX different departments without giving me any real concise credit of what's Happening therefore I feel they are stealing from me and they are paying the taxes late and charging me the late fees and whatnot
Consumer complaint received 2023-04-19
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)

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 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-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. 
( 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. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: U.S. BANCORP (CA)

I went to open a new bank account at US BANK and was informed I had a checking account charged off account with outstanding balance on XX/XX/2020. I closed this checking account they are referencing in XX/XX/2020 before I moved out of state. I asked for proof of charge off debt and account information from the bank and never received it. it is hurting my credit because they have placed me on XXXX
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

so back XXXX had problems with the paying the bill because of the corona virus because of my job cutting back my hours. I made arrangements with and caught up my payment s on both of my accounts ending in XXXX XXXX I had some problems starting in XXXX with the corona virus and I could nt make my min payment in XXXX on both of accounts I know I had some waivers on my account in the past but these 2 were def due to corona virus and none of the customer wants to help get those removed saying I have already had waiver s in the past and another I talked to them on the XXXX caught up my account they told me I wouldn't have to make another payment its still shows on both accounts that a minimum is due I want the late fees. Your customer service is like robots with the power to do nothing I want my late fees  for XXXX waived these late fees on both accounts due to corona virus but none of your reps wan na listen
Consumer complaint received 2024-03-14
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. (AL)

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 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 2023-04-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC (OK)

They repeatedly called and harassed me. And hung up on me. They blocked my calls, they refused to verify the alleged debt.They have refused payment for a alleged debt that I was never contacted about by them. Thai debt appears to have happened during the whole COVID 19 lockdown. Nor was I ever given a chance to question or pay the debt before they ran up the bill by filing a frivolous lawsuit against me through Love, XXXX and XXXX. Who also still to date have not supplied me with anything supporting the debt. They also refuse to accept payment to remove the debt and or lawsuit complaint. I have talked to people at the Love, XXXX, and XXXX trying office 3 times of which all 3 times they refuse payment and or removing the debt from my credit. They have told me 3 times they would mail a letter which they have not nor have they made me aware that they are suing me. I found that information myself on oscn.com after they acted suspicious. I contacted them 2 times on XX/XX/2023 and again on XX/XX/2023. I wrote down the people name and the time of refusal. This is a malicious attempt to hurt somebody's credit for no reason. This is not XXXX  We are not on a social credit system therefore you should not be able to attack somebody in the manner they are attacking me and my credit. Abuse of process and power.
Consumer complaint received 2023-04-10
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

Experian and XXXX are reporting a medical debt on my credit report from XXXX XXXX XXXX in the amount of {$880.00}. Ive disputed this debt over and over again and neither Experian, XXXX or XXXXXXXX XXXX XXXXXXXX would provide me with the method used to verify this debt as accurate. It is unlawful to report a debt with a past due balance as accurate and it is causing me sleepless nights and stress. I have a ton of fcra violations as well as cfrs etc.
Consumer complaint received 2023-06-10
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. (MI)

XXXXXXXX XXXX Account name XXXXXXXX XXXX Account number XXXX {$860.00} Have this company send proof of my signature. I have never done business with this company. 



Account name XXXX XXXX XXXX XXXX Account number XXXX Account charged off. {$2.00}, XXXX written off. 
Recent payment {$2000.00} If a payment was submitted for {$2000.00} as recent payment why is this showing on my report. Have this company send video proof or at the very minimum proof of my signature to validate this account. I have an identity theft alert on my account. 



Account name XXXX XXXX XXXX  Account number XXXX Account charged off. {$100.00} written off. {$100.00} past due as of XXXX XXXX 

If they claim this was written off, then they are paid. The company gives me the run around. Says card was a PREPAID card meaning someone had to put money up to open it. If not removed, I will be filing a claim in court. I am done playing kiddie games.
Consumer complaint received 2023-04-13
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: LEXISNEXIS (IL)

Credit report agency has falsely used my personal information without my consent and is using it to report to other credit reporting agencies. I notified them to give information on how they received my information and they said from bankruptcy court. I reached out to courts and they have denied to disclose any of my information to credit agencies. I sent the court notice verifying that they did not release any information about me, so the credit agency is falsely using my information to report without my consent and I want this removed from my consumer report effective immediately.
Consumer complaint received 2023-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

Ilogged into the app end of XXXX and paid what was owed. Around {$500.00}. 

Mid XXXX I received notice about help with making my mortgage payment. 

I immediately logged into the app - shows payment for XXXX still owed. I logged into checking account. The payment never posted. 

I know I made my payment but attempted to make another payment through the app yesterday. Showed payment pending. 

This morning, I checked my banking account and nothing posted or is pending. Their app does not show payment pending Attempted to call. Phone disconnects after putting in last four of ssn. Attempted multiple times. Pressed pound, it disconnects. Called every other number I could find. Disconnects. 

I do not know how to speak with anyone, and I have not received any calls or voicemails from them either. Which, I would think they would be calling if my payment was missed. 

Ive worked too hard to raise my credit score for this nonsense to set me back. Paying my mortgage should not be an impossible process.
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Huntington Bank of XXXX, Ohio initially locked and then closed my account without any warning. I believe it is due to my XXXX status. They refuse to provide a timeline for when a check for the funds that I had at the bank will be returned via check.
Consumer complaint received 2024-03-14
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. (KS)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXXXXXX XXXX Reported collection that doesnt belong to me. I was a victim of IDENTITY THEFT. Account was open in XX/XX/2019. I reported to the company they still have not removed it. 


XXXX XXXXXXXX XXXX card Account doesnt belong to me contacted asked them to remove still not removed
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Recently, I did an investigation on my credit report which caused XXXX XXXX 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 2023-10-18
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. (SC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-10-18
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)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXXXXXX 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 : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXXXXXX {$9300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX
Consumer complaint received 2023-10-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GOLDMAN SACHS BANK USA (TX)

In XX/XX/2019, my identity was swollen, and many of my accounts were hacked and charged to XXXX. One of these Account in particular is the Apple card. As soon as I realize what was going on with my account, and I no longer had access to it, I filled out an online complaint form with identity theft, and I talked to Apple and told him that it was fraud, and then I was gon na pay it. I didnt amount to my card after it was taken over. and informed any theft.gov, see three, FTC, SSA, And all through credit bureau agencies. on the phone with Comenity bank, they said that i did not provide a police report of the fraudulent charges which she absolutely did, and they gave us the Apple ID which was affiliated with. That ID is no longer excess. The charges need to be taken off credit report because they were not made by her and while trying to get this done, the phone calls kept disconnecting, and I had to call Back explain everything all over again just get disconnected again. The account is an Apple Card. And I am unsure of the amount of charges, but I was told there's 15 pages worth.
Consumer complaint received 2018-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On Tuesday XX/XX/XXXX, around XXXX XXXX, I received a phone call from theIRS, who were apparently NOT the IRS, but scammers. In the ensuing 3 hours, thru a series of {$500.00} XXXX play cards, the scammers had defrauded me to the tune of XXXX. 
When I realized what had happened, I IMMEDIATELY called both XXXXXXXX XXXX ( credit cards ) and Wells Fargo ( checking account and credit card ). XXXX immediately reversed the charges, but Wells Fargo, though they took my report, did not reverse the charges, allowing what were pending transactions that same day to posted transactions the next days. I had notified Wells Fargo 30 minutes after the scam was done. I talked to rep on the phone ( claim # XXXX ) They told me they had frozen the accounts, but in fact, sat on their hands the whole day, tho I had reported it 30 minutes after I realized it was a fraud. 
In contrast, XXXX immediately that day put a stop to the charges. I even went into a local branch of wells fargo and saw the pending status of the charges, tho I had reported it immediately after the fact, hours before. 
My complaint is that Wells Fargo sat on their hands the whole day, allowing the items to post, rather than immediately putting a stop to the charges and contacting XXXX about the fraud. So, in addition to the scam, I have to deal with Wells Fargo putting it into their fraud and complaint dept, rather than dealing with it as soon as I reported it.
Consumer complaint received 2023-10-13
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. (NJ)

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX