davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

this issue have been going on with all 3 bureaus for more than 2 months. I am constantly asking for a method of verification and the bureau always send me a letter saying a company has verified the information is correct. What company and what documentation have they supplied you with. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Also, Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. They send me this same message back for the 3 items I have been disputing but no verified documentation. There are 2 bankruptcies and a collection from diversify accounts which is not mine. 
They are sending you all information saying an unauthorized party is requesting information which is not true. They are not addressing the issue with you all or with me. This is the message they are giving you all This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 
I am my own person and I am the one who has been requesting the information. My next step is legal and the attorney general office.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

There are alleged accounts on my credit report that I didn't recognize. I am demanding a removal of it Pursuant FCRA XXXX XXXX Account no : XXXX XXXX Account no : XXXX XXXX XXXXXXXX XXXX Account no : XXXX XXXX XXXXXXXX XXXX  Account no : XXXX XXXX XXXX XXXX Account no : XXXX XXXX XXXX XXXX # 1 Account no : XXXX Us Department Of Edu Account no : XXXX Us Department Of Edu Account no : XXXX XXXX Department Of Edu Account no : XXXX Us Department Of Edu Account no : XXXX Us Department Of Edu Account no : XXXX Us Department Of Edu Account no : XXXX Us Department Of Edu Account no : XXXX Us Department Of Edu Account no : XXXX
Consumer complaint received 2022-11-25
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. (PA)

Experian removed the account XXXX from my report then inserted back on to my consumer report. I didnt give them consent or written permission to do so this is unfair and unequitable to me the consumer. This is not my account. Experian has not complied.
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

In the attached dispute letter to Equifax dated XX/XX/XXXX listed inaccuracies such as a late payment and account information. As a result of the dispute inaccuracies, Equifax deleted the entire accounts in error. Since, I fax to XXXX on XX/XX/XXXX to reinsert the open and active accounts without action or communication. On XX/XX/XXXX, I fax again to Equifax at XXXX, and to date, no action to correct this error, nor have I hear from them to have the open and active accounts reinserted. Since, I called XXXX XXXX XXXX  XXXX and spoke with XXXX and was informed they reported to Equifax on XX/XX/XXXX, XXXX XXXX and XXXX of XXXX. I caleed XXXX XXXX XXXX  an spoke with XXXX and was informed they report to Equifax every Friday. I called and spoke with XXXX at XXXX XXXX XXXX and they last report to Equifax on XX/XX/XXXX. My XXXX  XXXX Auto Financial was not disputed as this is open and active, yet Equifax deleetd the account in error, and XXXX from XXXX XXXX stated they report to Equifax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX. To date, no action has been taken to correct and reinsert the above listed accounts that are open and active.
Consumer complaint received 2021-04-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (AL)

This company never contacted me about this debt or gave any information as to what the debt is for. They are filing it to the credit bureaus daily. XX/XX/1923, XXXX, XXXX, XXXX This company has an employee that doesnt like me and is abusing their job privileges.
Consumer complaint received 2021-04-28
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: Experian Information Solutions Inc. (NY)

I am requesting Experian do there job and investigate in accordance with the fair credit reporting act. In doing so they will find said company XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX My investigation has revealed at no point has the above referenced company ordered a copy of my credit report.
Consumer complaint received 2024-02-28
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. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: KEYCORP (CT)

I applied for a credit card with Key Bank. They sent my a denial letter that started I had recent late payments, bankruptcy or judgement, multiple new open accounts, short credit history. To my knowledge none of this was correct. I pulled my credit report for all 3 agencies and none of these items were found. I contacted the bank and they told me they were looking at my report and could see these things so I needed to file a dispute with the credit agencies. I explained I pulled and printed my report and none of these items down so there was nothing for me to dispute. I asked for more information they refused to provide it. I asked for a copy of the credit report they were looking at they refused to provide it. The Bank Manager said I needed to come in with my printed copies I said absolutely when can I do that he said he didnt have time for this and hung up on my face. I called back and tried to speak with someone else I was told I would get a call back and never did.
Consumer complaint received 2024-02-28
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. (CA)

Dear Sir/Madam, I am writing to file a formal complaint regarding the payment history associated with my commercial relationship with XXXX XXXX XXXX . The accounts in question are : XXXX, XXXX, and XXXX. I previously disputed this information in XX/XX/XXXX, however, the issue remains unresolved. 

My complaint pertains to the late payments reported on these accounts. In response to my dispute, XXXX provided ledgers and payment histories for each account. However, I wish to clarify that my initial request was not for validation, but for the prompt removal of late payments as mandated b

y 15 U.S. Code 1666b. Under this statute, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless reasonable procedures are in place to ensure that periodic statements, including payment due dates, are provided to the
consumer no later than XXXX  days before the due date. Given that these accounts are open-ended credit plans, any late payments reported should adhere to this requirement.

Moreover, I believe that XXXXXXXX XXXX actions violate my right to privacy as outlined in the Privacy Act of 1974, 5 U.S.C. 552a. Specifically, disclosure of my financial records to consumer reporting agencies without my prior written consent is prohibited, except under certain circumstances which do not apply in this case. Additionally, XXXX failed to inform me of my right to exercise nondisclosure options as required by 15 U.S.C. 6802 ( b ) ( c ). 

Furthermore, I assert that XXXXXXXX XXXX reporting of adverse information, such as late payments, without my authorization violates 15 U.S.C. 1681C ( a ) ( 5 ), which prohibits the inclusion of certain adverse information in consumer reports without consent, particularly information that exceeds XXXX years. 

In light of these violations, I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX. I also request that the late payments be promptly removed from my credit reports and that XXXX be held accountable for their failure to comply with federal regulations regarding privacy and credit reporting. 

Thank you for your attention to this matter.
Consumer complaint received 2023-06-29
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. (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-28
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. (PA)

Account Name : XXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Account Number : XXXX Reason : I was involved in identity theft. This account is not mine and is fraudulent please remove this account ASAP. 

Account Name XXXX XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : Auto Lease Account Number : XXXX Reason : This account is reporting inaccurate to my credit report. It reports to only XXXX and XXXX, not Transunion. According to the Fair Credit Reporting Act this account needs to be deleted due to the inaccuracy of not reporting to all three bureaus. 

Account Name XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Reason : This account is reporting inaccurately to my credit reports. It only reports to XXXX  and not Transunion and XXXX. According to the Fair Credit Reporting Act this account needs to be deleted due to the inaccuracy of not reporting to all three bureaus. 

Account Name XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Installment Loan Account Number : XXXX Reason : This account is reporting inaccurately to my credit reports. This account is reporting to XXXX  and Transunion that this account is open but is reporting to XXXX  that its closed. I ask If this account be deleted ASAP because these mistakes are affecting my credit score.
Consumer complaint received 2015-04-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (NC)

My name is XXXX I had an account with Americredit which is not GM Financial. I was in a car accident and the car was paid off in full due to this accident ; the company has the pay off listed as paid was a repossession. The car was not repossessed and was paid immediately after the accident. I have contacted them several times online as well as through the XXXX.com and they have yet to resolve this issue.
Consumer complaint received 2021-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (WA)

On XX/XX/2021, my online borrower portal showed my H1 property taxes were deducted from my escrow account and sent to XXXX XXXX XXXX. XXXX XXXX XXXX generates records of receipts and taxes paid online. I waited 2.5 weeks for a receipt to update in XXXX XXXX XXXX websites. After waiting ample amount of time, I checked with BSI financial for the state of the payment. They had no even bothered to check whether their check arrived or was cashed, although, that is an explicit duty of the escrow account. 

On XX/XX/2021 I called BSI Financial again to follow up, since no one got back to me on Monday when BSI said they'd check in with their tax department. They didn't even keep track of the fact that I confirmed the XXXX XXXX address with another rep over the weekend. No one called me back at the end of the day on XX/XX/2021 as they said they would. I called back on the evening of XX/XX/2021 at XXXX XXXX to follow up, and a rep then informed me that a payment was sent out by Priority Mail that morning. There was no explanation of why the initial payment had failed, no details of whether the check was cashed, nothing. 

There are more reports on Consumer Affairs saying ghost transactions are generated in the borrower portal to create the illusion that a payment is sent out ; however, the counties will report taxes overdue and taxes unpaid. I believe something sinister is happening with this servicer. They have no depth of record on what the initial checks and transactions are. When I asked to speak to a supervisor, I was hung up on. No one called me back.
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (NV)

I lend my chime card to someone i know due to he needed something i gabe him permission to use my card i gave him my pin there was {$13.00} only available.. now upon name " XXXX XXXX XXXX he is a XXXX.. him return my card after he dropped me off to the hotel i was staying at here in XXXX XXXX nevada i notice there was some changes on my card like the 16 digit number was reprinted solid black and the cVv # was different from my records of photo copy that i have and expiration date was changed.. now not on that ive only been around a few people the second day of my arival my phone was hacked/ or maybe traded out with a different phone but the same look alike as mine.. ive been back and forth to the banks i bank with and told me to report this ASAP so now I reached out to all of my banks i associates w my account banks cellphone number and phone has been compromised.. I believe so that my identity has been stolen ... i have no access to anyof my account email or banks.. please some investigate this .... this has gone way to far.. alot has happened alot.. money purchased from my XXXX XXXX  XXXX and chime and XXXX XXXX card transactions history are most likely the same when i did research.. i have a few screen shot.. my card when i call are already link and set up to be declined and auto paste when i log in ... please investigate my phone i have and all my card and orther account.. I believe that XXXX XXXX is not the only one there are more thats part of this ... i will surrender all my cards phone etc thats needed.. i have a few idea of who else is involved ... money has become missing and my banks accounts are closing at this monentXX/XX/2021.. the banks are not disputing some orther changes and im still working on resolving this matter with them.. i have more information documented to share upon request for interview
Consumer complaint received 2021-04-28
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. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-03-24
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: VANDYK MORTGAGE CORPORATION (ID)

I went through Van Dyke Mortgage and worked with an officer named XXXX. He tried to approve me for a mortgage loan, but could n't because I needed to pay off a few things first. I paid off those things and he then did a rapid re-score approving me for XXXX with the USDA loan. There were little to no options in that price range for a decent home. I then went through XXXX and worked with an officer named XXXX. She was able to get me down payment assistance and XXXX in a mortgage loan with the FHA loan. XXXX called me shortly after I started working with her and was very upset. He then emailed me an invoice for the rapid re-score. The bill was XXXX. I am very upset because he never disclosed that costing me and after speaking with XXXX, I found out it was n't legal for him to do that. She then gave me the link to this site so I could file a complaint.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Wrong info : fcra violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY
Consumer complaint received 2024-02-28
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. (PA)

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. here is the item i am asking you to verify as accurate XXXX  account number XXXX date open XXXX