davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
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: SUNCOAST CREDIT UNION (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

XX/XX/2021 To whom it may concern : I, have tried on numerous occasions to correct the incorrect discrepancies on my credit report that are older than XXXX  years and/or incorrect data. I have attempted via online dispute ( s ) and direct contact ( s ) with your company to correct the data.

I am attempting once again to contact a dispute supervisor in order to remove the incorrect information from my report that is older than seven years old and/or incorrect as the Federal Law mandates www.consumerfinance.gov/learnmore. 
I am currently unable to obtain safe and secure housing due to the incorrect data on my report, which deprives me of my Fifth Amendment. 
The following apartment had/have several XXXX  department city and county violations of inhabitable conditions within XXXX XXXX XXXX Texas. The violations are numerous and very grossly like a third world country. I have made several attempts to contact this slumlord with no avail. 

XXXX. XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Appointments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX Phone : XXXX XXXX. CODE XXXX XXXXXXXX XXXX XXXX Phone : XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX The above apartments had/has several XXXX  department city violations of inhabitable conditions within XXXX XXXX XXXX XXXX XXXX XXXX Texas. The violations are too numerous and very grossly like a third world country. I have made several attempts to contact this slumlord and removing the item from my credit report with no avail.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information continues to do harm to my credit. Please provide me with verifiable proof these accounts belong to me. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Consumer complaint received 2023-10-10
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. (PA)

I have not initiated any transaction with any of these companies as listed : XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  PA XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX. XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA, XXXX XXXX. XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX AZ, XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of these companies for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Secondly, 15 U.S.C 1681 ( i ) 7 states that A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

I am demanding an expedited reinvestigation. Thank you.
Consumer complaint received 2023-10-10
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. (PA)

I have not initiated any transaction with any of these companies as listed : XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX. XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  PA XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA, XXXX XXXX. XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX AZ, XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of these companies for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Secondly, 15 U.S.C 1681 ( i ) 7 states that A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I am demanding an expedited reinvestigation. Thank you.
Consumer complaint received 2020-12-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

My green card is out of date. I applied for Citizenship back in XXXX 2018. I am 100 % service connected XXXX XXXX year old XXXX XXXX veteran. I have contacted VA. They forwarded my information, which has got me no wheres. I applied for loan and this was the only hold up. As of yet I have not received citizenship. What can I do? 
I have a letter from Homeland Security and Immigration Judge to Immigration give me my certificate of citizenship.
Consumer complaint received 2021-08-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION (FL)

3 issues I was never told : - I needed a XXXX to obtain a bank loan before applying when I opened the account and spoke to thet teller who never mebtionred that! Then I called telling them " remove the inquiry he never tokd me I wouldnt have applied for the account. 

- Then # 2 is they charged my account as soon as I drafted my ssi check for a $ 20 monthly main. Fee that he also never told me when I opened the accout!! Thats like the page before describing why " rights not disclosed '' - They set XXXX inquiries
Consumer complaint received 2023-10-10
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. (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.

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 informationisinaccurate.
Consumer complaint received 2023-08-12
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. (VA)

I sent a letter last XX/XX/ to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$56.00} XXXX XXXX Balance : {$480.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$950.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : {$0.00XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XXXX XXXX  token is no longer working. 
We need assistance to access it in order to work in our accounts. 
No one answers the phone. 
The prompts do not match the problem. 
The complaint phone numbers guide you back to the original prompts. 
Does anyone work here anymore? 
Closed branches, how do we get help?
Consumer complaint received 2023-10-10
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)

Experian is causing me pain and suffering. XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  are in violation of the Privacy Act of 1974. I did not give XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  consent to report my nonpublic personal information. As well as, I do not ever remember doing business with any of these companies. Because my privacy rights are being violated, my family and I are suffering emotional damages, mental stress and health issues. I am suffering emotional damage while I am trying to purchase a safe and suitable home for my children. Me and my children will be homeless, because I cant get a home. All because Experian has falsely obtained and disclosed my nonpublic personal information without my written consent required by public law. I am exercising my right to opt out of Experian disclosing and collecting my information on these accounts, 15 U.S.C. 6802 6804 Obligations with respect to disclosures of personal information. Experian is a non-affiliate third party to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Because these companies sent my personal information to Experian more fraud has been committed against me. I would like for Experian to give me the document I signed to give consent to share my nonpublic personal information. And if Experian somehow finds forged consent, I still have an inalienable right to exercise my right to opt out. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' Delete and block these accounts that are disclosing my nonpublic personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX While looking over these accounts I have found a plethora of inaccuracies that are violations of the FCRA public law. My legal counsel is prepared to file civil suit ; however, I am giving Experian the chance to resolve this issue outside of the courts.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (TX)

I have checked my account on XXXX XXXX to make sure my payments went through. The credit report on XXXX XXXX notified me that there is a change in my report. My credit report went down drastically because my on-time payments went down from 100 % XXXX %. I was confused because I had always made my payments on-time, and decide to investigate. 

The account was named JPMCB CARD SERVICES. I never opened an account with them nor it belongs to me. It has happened to me before and has damaged my report. It was reported on XX/XX/2023that I missed a payment on my card. I had called XXXX XXXX before, and they had only reported it as fraud. It says the age of the account is 4 months old, but I never opened one and never been associated with JPMCB and/or Chase. It also says that the on-time payments are 75 %, but I had always made mine 100 %. I had gotten the alert on XX/XX/2023. It states that the last payment made was XX/XX/2023.
Consumer complaint received 2023-06-15
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: EGL US, LLC (TN)

MY IDENTITY WAS STOLEN!!! APPARENTLY BMG money isnt reading what Im adding on these complaints. I have submitted this 4 times. I have requested paperwork regarding the bank that they claim which theyre lying stating I added a bank to receive money!!!! Give me the information Im requesting. My phone number is XXXX. Email XXXX I need all information to give to my lawyer now.
Consumer complaint received 2023-10-10
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)

My XXXX account number XXXX credit reporting on the credit reporting bureas, XXXX, Experian and XXXX are showing a late payment for XXXX XXXX and this is incorrect. This account has had no late payments. The payment was posted late in error by company XXXX. Payment crossed with XXXX and XXXX payment. I spoke with a XXXX representative and representative agreed payment was not late. I was told my credit report will be updated to pay as agreed with no late payments to all three credit bureaus. 

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 2023-10-10
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. (TX)

My XXXX account number XXXX credit reporting on the credit reporting bureas, XXXX, XXXX and Equifax are showing a late payment for XX/XX/2023 and this is incorrect. This account has had no late payments. The payment was posted late in error by company XXXX. XXXX crossed with XXXX and XXXX payment. I spoke with a XXXX representative and representative agreed payment was not late. I was told my credit report will be updated to pay as agreed with no late payments to all three credit bureaus. 

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 2023-10-11
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
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)

I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information continues to do harm to my credit. Please provide me with verifiable proof these accounts belong to me. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Consumer complaint received 2022-09-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I filed a dispute regarding incorrect items on my report well over 30 days ago and I have not received any investigation reports/results. The dates for XXXX XXXX do not align and I have more inquiries than possible.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

End of XXXX mailed a certified letter and was received XX/XX/XXXX. I received my results of investigation XX/XX/2023. Past the required 30 days, which per FCRA inaccurate information disputed must be deleted. That's complaint No. 1.

No. 2- my dispute submitted to LexisNexis was returned with no deletions or corrections. All old info I requested removed remains. Inaccurate information remains. The bankruptcy listed is inaccurate. They are selling inaccurate information to other agencies which is against FCRA Regulations. Purposely reporting inaccurate information is illegal and if it's not removed I will be contacting a lawyer and sue to multiple violations.
Consumer complaint received 2023-01-04
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: EQUIFAX, INC. (NY)

XXXX XXXX, XXXX, Equifax and XXXX are in direct violation of the FCRA Laws list below. 
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 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX, that I have never received nor used any credit cards, for the purchases of merchandise, services or for any other purpose. No Purchases or uses have been authorized by or with my consent or knowledge, and no benefit or value has been or will be received by me as a result of such transactions. Furthermore, I have never signed any application requesting the issuance of any said credit card, nor did I authorize any person to use a duplicate credit card issued under the above account number. I declare under penalty of perjury that the foregoing is true and correct.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX, that I have never received nor used any credit cards, for the purchases of merchandise, services or for any other purpose. No Purchases or uses have been authorized by or with my consent or knowledge, and no benefit or value has been or will be received by me as a result of such transactions. Furthermore, I have never signed any application requesting the issuance of any said credit card, nor did I authorize any person to use a duplicate credit card issued under the above account number. I declare under penalty of perjury that the foregoing is true and correct.