davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
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: Experian Information Solutions Inc. (CA)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX 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 Owed : {$26000.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX  XXXX Balance Owed : {$26000.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/2023.
Consumer complaint received 2023-08-15
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT.

Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATIONXXXX XXXXXXXX
Consumer complaint received 2023-05-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (IN)

The Indiana XXXX XXXX made a payment to Selene Finance to cover my mortgage arrearages. 

Instead of my loan becoming current, the mortgage company did not apply the payments to my arrearages- yet Selene Finance charged me thousands of dollars of fees that have no explanation. 

I have reached out to them in writing- via email and via telephone. 

I have not received any communication of this issue and the fees keep getting added to my loan. 

Additionally, the XXXX XXXX XXXX has not been applied to my account. 

There are fraudulent incidents continuing to take place with Selene Finance Mortgage Company.
Consumer complaint received 2022-11-15
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. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance : {$4600.00} ; XXXX XXXX XXXX Balance : {$8000.00}
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received an email on Friday, XX/XX/2022 that my application was processing and shorty after that my account was opened. I did not fill out an application or apply for this account. The account opened was Bank of America XXXX XXXX Banking Account. 

I called and they have stated that the account has been sent for closure. Please confirm the account is now closed.
Consumer complaint received 2023-08-15
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00}
Consumer complaint received 2022-10-24
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)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-05
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. (TX)

I have been disputing 3 accounts with equifax since XX/XX/XXXX XXXX equifax had deleted 1 of the accounts in regards to that dispute but NEVER sent me written results on the deletion on the remaining 2 accounts. XX/XX/2022 I sent equifax another letter specifying why were the remaining two accounts not investigated. I have not heard any correspondence nor have gotten results in regards to that dispute. it is now XXXX XXXX XXXX and I checked for a update on there website and I noticed both accounts still have not been investigated due to lack off notice of a investigation completion or a investigation in progress notice from equifax in the comments section on both accounts. I believe equifax is practicing non compliance procedures and illegal practices. it is not fair that I have to wait all this time by giving them there respectfully business days to complete there thorough investigation just to confirm that they had not done a investigation to begin with. equifax procedures are causing my credit file much damages because it is defaming my character to gain new credit line opportunities. equifax never sent me written results nor all legal disclosures that should be attached to there results.
Consumer complaint received 2023-03-31
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: Park Hill Holdings (FL)

I was denied a apartment based off of XXXX XXXX XXXX report stating that I have a landlord debt of {$370.00} when in fact the debt they are listing as a landlord debt is a cable company XXXX, XXXX XXXX XXXX reporting this information incorrectly is preventing me from obtaining a safe place to live, XXXX is providing this incorrect information to Safe Rent Solutions which is preventing me from getting a home.
Consumer complaint received 2023-04-19
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. (GA)

I sent a letter off and told the credit bureaus to investigate every piece of information on the account for XXXX XXXX XXXX XXXX XXXX XXXX.They stated my account were verified but how is that possible if they did not do the proper investigation according to the law. Also every piece of information on this account are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have credit report showing the inaccuracies.
Consumer complaint received 2023-08-15
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Require the XXXX credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-05
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: DISCOVER BANK (MI)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as 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 significant financial and XXXX XXXX this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My card was hacked and funds were stolen off my debit card XX/XX/XXXX of XXXX, while I was at work the entire day. In XXXX XXXX, When I got off work to try to get gas my transaction was declined, I tried a lesser amount because I needed gas but I knew I had just added funds to my debit card. I called my bank to see why my card was denying, and to my surprise all my funds had been used in my account. The money that was taken off my debit card was all the money I had to my name. I submitted a dispute to the bank immediately. As soon as I called them the representative told me my card information had been stolen from the atm I had just deposited Money at. He also told me that my card was used at multiple stores in XXXX XXXX XXXX. The money I deposited in my account was all money I had to my name and the bank is now denying my claim. school has just started I have no money to purchase my daughter clothes for school, no money to survive until my next pay check and the bank is saying my claim is closed and they will not return the funds back to my account. They have information that shows my card was used at multiple locations all while I was at work in an entirely different city. I put my money in the account thinking it was safe now I am out of almost XXXX dollars, please reimburse me my funds! I need my money! Please explain to me how you came to a decision to deny my claim when I had nothing to do with my money being stolen of my debit card! please re evaluate this case because I need my money! I have attached documentation to prove that I was at work the entire time the funds were being stolen off my debit card.I also attached the police report I made about the funds being stolen off my debit card.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (PA)

I have two checking accounts under my account with Truist Bank. One is a minor account. On XX/XX/23 the minor account was charged {$36.00} overdraft fee. On the same day prior to the overdraft fee a transfer of funds in the amount of {$30.00} was made to my other checking account at XXXX ( ET ) The monies were available as the transfer was made successfully. At some point after the {$20.00} from a transaction that was successfully made on XX/XX/23 at a gas station was withdrawn the bank assessed the {$36.00} overdraft fee as well. The morning of XX/XX/23 ( XXXX XXXX  ) I noticed an email stating overdraft fees have posted to the account on XX/XX/23. Which my account shows posted on XX/XX/23. The original negative balance was {$2.00}, I called Truist to explain and dispute the fee and the account was refunded the {$36.00}. 
Another incident was today XX/XX/23 when I received a text alert at XXXX ( ET ) of an overdraft fee assessed on my other checking account. I also had received an email at XXXX ( ET ) stating the fee was posted to my account today ( XX/XX/23 ). Yesterday ( XX/XX/23 ), I made a {$25.00} transfer to the minor checking account around XXXX ( ET ) and it was done successfully as the monies were in the account with a few dollars still left in the account. I called Truist today XX/XX/23 and explained the issue and to dispute the overdraft. I was told a transaction from XX/XX/23 of {$10.00} from a gas station came through on XX/XX/23 and it was originally pending for {$1.00}. The transaction made my account negative by {$0.00} and I was assessed the {$36.00} overdraft fee on XX/XX/23. I was told they will not reverse the fee as they already reversed the fee for the minor account ( which is under my childs name ) and customers are only allowed XXXX reversed fee in XXXX. I explained to both customer care and supervisor I am currently unemployed and I dont have a steady income right now and could not afford to lose {$36.00} over a {$0.00} negative balance and felt it was unfair that they even charged me for that amount. They did not care and would not do anything to help resolve the issue. Ive had issues in the past with them for overdraft fees using their mobile banking. I will no longer continue to keep my money in their account. I have two lines of credit with them and I will continue to pay as I can until its paid off. I will now find a bank who does not assess such ridiculous fees.
Consumer complaint received 2022-10-23
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. (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. 
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 XXXXXXXX XXXX XXXX, XXXX XXXX XXXX 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, has violated my rights XXXX 

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 XXXX 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 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

I XXXX XXXX bought some furniture at XXXX furniture store in XXXX XXXXXXXX I applied for credit and was approved for a {$6500.00} line of credit I bought the furniture on that credit line .... Then I paid my account off within XXXX days, since that purchase I had applied for a care credit card and been approved for that as well it was a {$9000.00} credit card limit of which I put XXXX or {$8000.00} on at my plastic surgeons office and paid that off again within XXXX or XXXX days. I then applied at XXXX 's jewelry store and they gave me a {$2700.00} credit limit of which I have not yet used... All of the sudden XXXX day I was contacted by synchrony Bank via email and told that my credit limit at XXXX was being reduced because I had not used it in XXXX or XXXX months. I then called up synchrony Bank and said if you're not going to keep my credit limit at {$6000.00} or XXXX there's nothing I can really buy at XXXX XXXX for {$250.00} so they might as well just close that account it would do me no good, to which I was told if you make us close this account you will never be allowed to get a XXXX XXXX card again despite having credit scores in the high XXXX and being on my job for more than XXXX years and making over {$100000.00} a year... To which I replied that would be okay that they should still go ahead and close my XXXX XXXX credit card. They closed the XXXX credit card ... Little did I know, an unbeknownst to me they also forced closed my CareCredit account which they had just approved XXXX days earlier for an {$11000.00} credit limit then they also force closed my XXXX 's jewelry account which I had yet to put anything on... All of these actions were taken to spite me for closing my XXXX credit card acct. I believe, this is not only unfair but an unfair credit practice to force close accounts that you were not asked to close that were in good standing with XXXX balances and had been paid off just recently. After calling synchrony Bank several times and the phone numbers on the back of my Care credit Card and my reads jewelry card I was told there was nothing they could do that the account had been forced by synchrony Bank and that I should contact them directly I tried repeatedly to reach them to resolve this issue but no one would help me. I pray that someone from CFPB CAN HOLD THESE PEOPLE ACCOUNTABLE FOR THEIR XXXX XXXX LIKE BEHAVIOR, I NEVER ASKED THEM TO CLOSE MY CARECREDIT ACCOUNT NOR DID I ASK THEM TO CLOSE MY XXXX 'S JEWELERS ACCOUNT. This behavior is a very unfair business practice.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Regarding : Account No XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account. 

Its also violation of permissible purposes. So they also need direct written consent from me XXXX XXXX XXXX to report anything on my credit report. So without my direct written consent of reporting child support thats on my credit profile is in violation of my rights.
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

The creditor XXXX XXXX of XXXX XXXX is reporting to my credit as an inquiry. I have spoken with XXXX the finance manager at XXXX. I also spoke with XXXX, she is a XXXX representative in special handling. I have written XXXX approximately three times regarding the same issue. XXXX expressed that he does not have me in their system at all. However, XXXX is telling me that I need a Letter of Deletion from the very creditor who has expressed that they need a letter from XXXX. Meanwhile, my credit standing hangs in the balance. I simply want the inquiry removed. 
Thank you