davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
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. (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, U.S Department of Education : # XXXX, has violated my rights. 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 2022-10-26
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. (LA)

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly correct this immediately : XXXX XXXX XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-26
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. (NC)

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. 

USDOE/XXXX # XXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF ED/XXXX XXXX XXXX U S DEPT OF EDXXXX # XXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF EDXXXX # XXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF ED/XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE THEM FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-23
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: WELLS FARGO & COMPANY (TX)

I am a victim of identity theft, there are 2 accounts on my credit report that I did not authorize and have no knowledge of.

Please 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.

Enclosed are the following : A copy of my Identity Theft Report A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Fair Credit Reporting Act Section 605B I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX claims they charged off a debt of {$140.00} for an account that was not mine yet they report it as a bad debt against me. The account XXXX was my father 's checking account, not mine. 
XXXX closed the account immediately once he was deceased without notifying anyone. Apparently this caused overdrafts for auto payments totaling {$140.00}, but rather than alerting anyone in our family they instead reported it to the credit bureau. Had they attempted to resolve with my father 's estate, it would have been paid promptly. Once my brother ( the executor  of my father 's will ) discovered that this amount was overdraft from seeing it on his and my credit report, he went to XXXX and paid it in full. We have a receipt for this which we have produced multiple times to XXXX and to the credit bureau to no avail. I have tried multiple times to get XXXX to remove this bad report because : 1. They didn't have to charge off the {$140.00} ( it was paid ) 2. It was my father 's bank account NOT mine
Consumer complaint received 2024-04-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: HUNTINGTON NATIONAL BANK, THE (PA)

On XX/XX/2024 I received a notice from XXXX that I had opened a new checking and savings account with Huntington Bank. I never opened these accounts and contacted Huntington bank and informed them that these accounts were fraudulent accounts. I was told that the accounts would be closed and a letter sent. On XX/XX/XXXX I received a letter from Huntington bank stating that my address was changed. I again called Huntington bank and explained that I never opened these accounts and that they were fraud. This time however the representative would not answer my questions because she said I could not verify the information. I asked how could I verify the information when I never opened the account. I was transferred to a manager who stated that their fraud department was working on the account and I would receive a letter shortly. In the mean time I filed a police report and froze my credit and chexsys. On XX/XX/XXXX I still had not received any formal closure letter from Huntington bank and sent the letter from Identitytheft.gov that they recommended I send. It was the letter stating that I was a victim of identity theft, the notice to furnishers of information : obligations of furnishers under the FCRA and a copy of my drivers license. I have still to receive anything from Huntington bank stating that these fraudulent accounts are in fact closed.
Consumer complaint received 2023-08-09
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

I have attempted to communicate with each company. To provide proper identity to prove that accounts are not a match. All companies ' agents are located offshoreissues must be delegated appropriately and resolved. Customer service could have been more cooperative in several attempts to resolve the matter.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sunbit, Inc. (OH)

Somebody fraudulent used my information to take out a loan with multiple companies without my consent. Its also multiple fraudulent inquiries on my credit report that I did not authorize. 

XXXX/SUNBIT Last reported XX/XX/XXXX {$2900.00} Reported balance Highest balance {$3900.00} XXXX/SUNBIT Last reported XX/XX/XXXX {$370.00} Reported balance Highest balance {$670.00} XXXX/SUNBIT Last reported XX/XX/XXXX {$140.00} Reported balance Highest balance {$270.00} XXXX  XXXX Balance 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 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CT)

As of XX/XX/2022. XXXX has dropped my credit score from XXXX to XXXX. A bill was removed from the said credit report with XXXX. I should have gained points not lost points and they are repeatedly doing this. A bill is removed and they are dropping the score every other month by XXXX points instead of my score being at XXXX by now. I dispute it they removed the bill and dropped my credit score. Equifax has my balance at XXXX is XXXX plus XXXX. Balances need to be fixed. XXXX was removed from credit bureau XXXX and not from Equifax also. So it's on Equifax but removed from XXXX.
Consumer complaint received 2022-10-25
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. (MI)

I have already sent multiple requests but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXXXXXX XXXX XXXX  Balance {$14000.00} XXXX XXXX XXXX Balance {$8800.00} XXXX XXXX XXXX  Balance {$730.00} XXXX XXXX XXXX  Balance {$2400.00} XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2023-08-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-04-26
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 is 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 2018-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NV)

I received a copy of my credit report and I notice I have an account that needs to be updated and others accounts that are too old. Please updated XXXX   account XXXX XX/XX/XXXX balance {$49.00} ( account was paid in full, balance is XXXX ) Please remove, account too old XXXX account XXXX XX/XX/XXXX ( 8 years ) Please remove, account too old XXXX XXXX  XXXX XX/XX/XXXX and XXXX   XXXX XXXX XX/XX/XXXX ( 11 years )
Consumer complaint received 2023-09-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC (AZ)

We received a public email today showing our home being in pre-foreclosure. I have no knowledge of this matter and even contacted my mortgage company ( XXXX ) and asked if my loan had a second attached to it and was told no and that we are in excellent rating no missing payments. The trustee I guess representing the bank filed this pre-foreclosure and referenced a DEED OF TRUST signed in XXXX. We have never been notified regarding a default and thus never thought we had any outstanding payments.The debt as such was being reported as account closed and ( " WRITTEN OFF ) BY XXXX XXXX XXXX Now there is a substitute trustee representing some company Specialized Loan Servicing LLC? / XXXX XXXX, ( out of business also ) We have never hear of this company or that we owe the {$73000.00}. We do not know who this is and we have never been contacted regarding this amount. The original loan was in XXXX and shortly afterward the company XXXX went out of business and we noticed that the second mortgage was listed as written off. It does not show on any of our credit reports and has not for quite awhile ( XXXX ). We never heard anything else.I am sure we are the victims of a XXXXXXXX XXXX since the equity in our home is now more than doubled. How do we stop this action and to my knowledge AZ has a statue of limitations of 6 years regarding contract mortgage debts after they reach the date of maturity ( XX/XX/XXXX ). How can someone just show up and say they have the authority to file for pre-foreclosure and even the primary loan company has no knowledge? We have had no previous contact with any of the companies listed in this complaint and there has never been any attempt to notify us of any impending action until the pre foreclosure notice. XXXX does have regulations regarding providing notice to borrowers.
Consumer complaint received 2018-12-05
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SUNTRUST BANKS, INC. (MD)

On XX/XX/2018 at XXXX, I received a call from suntrust mortgage company in regards to a bill due on the XXXX of the month. The last day to pay is on the XXXX ; in which I pay always pay on the XXXX of the month. Nevertheless, the call was unwarranted and not appreciated. I request to suntrust for them to stop but to no avail, it's still happening.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requesting that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2022-09-21
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. (TX)

equifax has stated that my accounts in question have been properly investigated and how is that possible if the theirs multiple errors attached below.

This is grounds for removal and monetary relief immediately.

My rights where violated under : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] A ) I must be respected and have the right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] A ) Section 2 : It also states that a consumer reporting agency can not furnish an account with out my written instructions.

The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. 

XXXX XXXX XXXX  XXXX Incorrect Account Number XXXX Date Opened is Incorrect XXXX No High Balance XXXX Incorrect reporting monthly XXXX XXXX {$8000.00} Above Account total : {$11000.00} XXXX XXXX XXXX Incorrect Account Number Date Opened is Incorrect High Balance Incorrect Equifax is reporting 2 months of late payments during covid 2XXXX ( XXXX ) Above Account total : {$5000.00} XXXX XXXX XXXX  XXXX INCORRECT NAME Incorrect Account Number No high balance XXXX is reporting 6 months of late payments during XXXX XXXX ( XXXX ) Above Account : {$9000.00} XXXX XXXX XXXX Incorrect NAME Account Number INCORRECT Date Opened is Incorrect High Balance Incorrect A Charged off account can not have a balance REPORTING 16 MONTHS AS COLECTION Above Account : {$21000.00} XXXX XXXX XXXX XXXXXXXX WRONG NAME Incorrect Account XXXX XXXX Opened is Incorrect High Balance Incorrect A Charged off account can not have a balance Above Account : {$23000.00} OVER {$69000.00} IN VIOLATIONS ATTACHED BELOW AND DISPUTE RESULTS AS WELL
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Today - XX/XX/2022, I spoke with an individual by the name of XXXX - that works in the " unclaimed property department '' for Bank of America. I asked her to place my funds placed back in my bank account. She placed me on hold and came back to the phone conversation and began reading the disclosure from the bank that stated, whenever the bank can not contact the bank customer- they send the funds to the state. 

The problem I have with this is that the letter I received yesterday XX/XX/2022, was the " first and only time '' I received anything from Bank of America, and the letter that I have attached states " Escheatment of abandoned account to state '' The assistance I am seeking is to have my funds placed back into my account. Bank of America has chosen to step bounds without properly contacting me ( as stated in their own disclosure ) to find out if I was still alive. Bank of America, I am still alive and don't take it upon yourself to make decisions for me when I am alive to make them for myself. Place the funds back into my bank account.
Consumer complaint received 2022-10-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2023-09-07
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC (IL)

I went to apply for me an apartment and they told me I wasnt approved because they said I had a close account worth XXXX in dept which seemed odd because Ive never applied for a car before I always had the same car since my XXXX birthday since the lady told me this info Ive started to see mail come to my house that say debt collectors etc. Im not sure how someone would be even able to get a car in someones name with out them being there these car allots just want money they dont care if people have the right information or LEGAL information.
Consumer complaint received 2023-06-08
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)

It appears that my credit with you has been compromised. I was going through my records & noticed this file which does not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block these items which are found to be fraudulent due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OK XXXX, XXXX Inquired on XX/XX/2XXXX XXXX