davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
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: Experian Information Solutions Inc. (MI)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$860.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-01-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (OH)

GreenSky was used to purchase my windows through XXXX XXXX in XXXX of XXXX. My minimum payment was XXXX a month. I made sure to pay XXXX a month on an auto pay. I recently received a late notice and a late fee attached to my account, XX/XX/XXXX. My minimum payment went from XXXX to XXXX and there is nothing I can see that changed with my account. I first noticed when XXXX XXXX said I had a new account and it was GreenSky. I was paying over the minimum and making my payments early. I contacted their customer service and they left me on hold. I sent them an email and I received an automated response about interest rates and payments. Is it legal to just add fees to accounts? I now owe over what I originally borrowed.
Consumer complaint received 2023-02-13
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. (CA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Karma (MS)

Credit Karma churned me in getting high interest rates credit with fees that will take me a long time to pay with low credit limits that actual hurt my credit scores. Credit karma also said that I was approved for loans that I wasnt and my credit was pulled. Also, one loan they said I was approved and it wasnt a loan but cash advance with high fees and they falsely giving me credit scores to make me believe my credit score is low so I fall victims for those awful credit cards with high fees and telling me im approved for a loan car and I was declined.
Consumer complaint received 2017-07-06
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cadence Bank (OH)

I felt overwhelmed with the process from the start and asked all parties to also include my fiance and gave them permission to speak to him about my loan as he is from Mississippi and I am not. I am a single XXXX XXXX female with excellent credit, and I have never been late on my past mortgage. I retired from the XXXX XXXX XXXX after 30 years of service at XXXX years old. I paid my mortgage on time for the past 16 years, Now I am planning to get married and purchase a place in the south. My realtor suggested that I use Bancorp South, I figured they were a local bank therefore there should be no problem. We researched different loans and wanted to go USDA RD as they have other programs that we are interested in. I looked at the USDA website and found that Bancorp South was a preferred lender. At this time We feel that Bancorp south has dragged this loan process out, and have not treated me fair. <P/>
On XX/XX/XXXX I applied for a Mortgage with Bancorp South, I wanted to do a USDA RD loan because I am purchasing 27 acres with a 3bd/2ba home to an rural area and USDA is 100 % financing. I submitted my documents as normal, I was told that I would need a significant down payment because of my DTI ratio for an FHA, so I decided to use part of my deferred compensation to payoff my current home on XX/XX/XXXX.
I did everything that was asked, I sent given the seller {$1000.00} in Earnest money, the bank wanted a copy of the cleared check and the account statement that showed it cleared, I sent that. I was asked to complete a payment form with a credit card to pay for a {$470.00} appraisal, I paid for my appraisal on XX/XX/XXXX to Bancorp South. Then the loan officer started to ask for the same documents over again, I sent them in again. I sent in my mortgage payoff letter from XXXX XXXX, and the bank account statement showing the cleared paid mortgage and on XX/XX/XXXX I received a call from Bancorp South wanting to do a 3 way call with XXXX XXXX to ask if the mortgage was paid off and there were no late payments, the Bancorp south person asked the XXXX rep., the questions. Today someone has contacted my realtor to verify that she is whom she states she is, Why, I am the person buying the house. I feel like the bank is stalling on underwriting my loan, there is no reason it has taken this long I am due to close tomorrow and the loan is not in UW still. The bank always calls after normal work hours, when I am home and available all day to submit whatever they need immediately. I wonder would a male white would go through this if the situation was different.
Consumer complaint received 2019-12-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hi i mailed a certified letter asking XXXX XXXX XXXX  to validate the allege debt they say i owe ON XX/XX/2019. I disputed the account with the credit Bureaus Trans Union, XXXX and XXXX  prior to writing XXXX  XXXX asking them to ensure that this account was reporting 100 % accurate and they verified it was accurate .How is this possible when the account number that the credit bureau is reporting different from what the original creditor is furnishing in the letter mailed to me. So how can this account be accurately reporting and why XXXX XXXX XXXX  didnt comply with the validation request for the said debt they say i owe. The creditor bureaus and XXXX  XXXX XXXX  is refusing to re-investigate my dispute for the allege debt. The are affecting my credit worthiness by reporting inaccurate information. They have not sent me the proof that i requested from them. so i am asking that this account be deleted from my credit report with all 3 credit bureaus Trans Union, XXXX  and XXXX. I also ask that XXXX  XXXX to stop debt collection practices because they couldn't validate the debt they say I owe. 


Thanks.
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AR)

I called the automated number  XXXX  and was denied a report by normal means. They are circumventing the rules. The system is set up force you to pay for your free copy because it does not answer when prompting for your free copy.
Consumer complaint received 2024-03-01
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: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX  helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc. (TX)

I called credit systems international number Mcm and they said they no long have my debt. I asked them why it still shows on my credit report and they said they dont know why and not able to remove it because it is not with them anymore. They could not provide me with info on who I need to speak to about this
Consumer complaint received 2023-01-01
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. (NV)

USC 1681s-2 Responsibility of furnishes of information to consumers reporting agencies ( a ) Duty of Furnishers of information to provide accurate information A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or his reasonable cause to believe that the information is inaccurate. 

My proof of evidence is the third party reporting agency XXXX. This reporting agency is being used by all three agencies XXXX, Equifax, and XXXX. They all confirmed that my consumer information is correct. But it a problem I am not a her. So all the information being given and shared has me as a her. I have provided the evidence.
Consumer complaint received 2019-12-05
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: Experian Information Solutions Inc. (IL)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.
Consumer complaint received 2023-06-07
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. (AZ)

This is a follow up to a previous complaint. A debt collection company XXXX funding has been unwilling or unable to provide a full, itemized notice of debt. I have tried to use their internal dispute process to get this information with no success. I then contacted Trans Union to dispute the debt due to XXXX being unable to provide an itemized notice of debt. Trans Union closed each dispute after XXXX said it was valid, still unable to produce any documentation with an itemized explanation of the debt. Trans Union then directed me here to complete a complaint. This was also just closed after XXXX responded with a letter, but still no itemized listed of the debt. Trans Union is aware that the required documentation has not been provided yet will not remove the remark from my credit report as XXXX did.
Consumer complaint received 2023-06-07
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. (PA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas violated my rights .

They are reporting a lot of inaccuracies and I am fed up! BY LAW this is wrong.

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 2023-05-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have Fifth Third checking and savings accounts and also a safe deposit box. I use Fifth Third 's Bill Pay Service regularly. One of my accounts registered within bill pay is XXXXXXXX XXXX. 

I scheduled a {$2000.00} payment to be made to XXXXXXXX XXXXk through Fifth Third 's Bill Pay product. Instead of Fifth Third sending the {$2000.00} payment to XXXX XXXX, they sent the payment to XXXX XXXX. I do not have XXXXXXXX XXXX  listed on my bill pay service through Fifth Third. I don't know where they got the info to send the payment to XXXXXXXX XXXX 

When I saw on my account that a {$2000.00} payment had been sent to XXXX XXXX I called Fifth Third and asked them to make the correction as this was their error. They said there was nothing they could do and I had to call XXXXXXXX XXXX  and figure it out on my own. This error was clearly the fault of Fifth Third and they should have rectified their error. They refused to do so. 

I just spent the last hour on the phone with XXXX XXXX to attempt to get the {$2000.00} payment mailed back to me. They explained the misapplied payment has to go back to Fifth Third electronically and then to my account the same way it came out. 

I do not trust Fifth Third to redeposit the {$2000.00} back to my account when they receive it from XXXX XXXX. Please conduct an in-depth audit on how Fifth Third does business, how this horrendous error could have occurred, and why they require the consumer to rectify their errors. {$2000.00} might not be a lot of money to some people but it is to me. 

Fine Fifth Third substantially if you can, and require them to rectify their own errors instead of having the consumer take off work to fix Fifth Third 's mistakes. In addition, please require them to immediately redeposit the {$2000.00} back into my account. 

Thank you
Consumer complaint received 2023-02-13
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: Experian Information Solutions Inc. (CA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$820.00} ; XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX {$9800.00} ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX.
Consumer complaint received 2023-02-13
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. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted XXXX, XXXX and transunion about the error on my account multiple times, last time being a letter sent in XX/XX/XXXX and just recently in XX/XX/XXXX. An apartment complex ( XXXX XXXX XXXX XXXX XXXX ) exposed me to toxic mold and agreed to not charge me for leaving early if I didn't sue them for the XXXX XXXX XXXX I was experiencing. They still sent a charge of about {$2400.00} to collections. They refuse to show me documentation explaining why these charges are legitimate. It has impacted my credit score since XXXX and has damaged my financial future since as it is the only mark on my credit score and it was my first apartment.
Consumer complaint received 2023-02-13
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: Experian Information Solutions Inc. (TX)

In my previous letters, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-01
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: EQUIFAX, INC. (FL)

Account Name : XXXX  XXXXXXXX XXXX XXXX Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2023-01-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (HI)

Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. 

There has been a warning on my report to not approve such things. 

My credit report with Experian is a complete mess, full of inaccuracies, and they have chosen not to deal with it. 

This is unacceptable. 

Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to grant credit, credit access, credit inquiries, and other things. 

These entries should and shall be removed.
Consumer complaint received 2023-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation. 

XXXX XXXX XXXX
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX, is not stating that monthly payments are being paid. I negotiated debt, and my balance is showing incorrect amount I owe and not being paid. I have statement/bill which, shows new amount owed and being paid. 
The original creditor was XXXX XXXX Bank I can upload statement. 
XXXX is balance owed, not close to XXXX. 
XXXX XXXX refuses to make changes on credit reports.