davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
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. (IN)

I reviewed my consumer reports and noticed that i had two late payments on a account i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments on this accounts that I have included screenshots inside this complaint in on dates of XX/XX/year> XX/XX/year> Please investigate and provide proof with statements showing that these payments were late, if proof cant be provided i demand these payments to be updated as paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached
Consumer complaint received 2023-06-04
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: Experian Information Solutions Inc. (FL)

BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICES XXXX TD AUTO FINANCE XXXX UNION HOME MORTGAGE XXXX XXXX XXXX HM XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADVANTAGE CREDIT XXXX XX/XX/XXXX BANK OF XXXX XXXX XXXX BANK XXXX XXXX XXXX SYNCB/ROOMSTOGO XXXX THD/CBNA XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HOME MORTGAGE XXXX XXXX XXXX HOME MOR XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THD/CBNA XXXX XXXX FIN SVC XXXX XXXX XXXX XXXX TD AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-11
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. (IL)

To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX  I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-19
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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.
Consumer complaint received 2023-06-19
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. (NY)

In accordance with the Fair Credit Reporting act 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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-08
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. (AZ)

As a victim of identity theft, I am submitting another request for the removal of items from my credit file attributed to alleged identity theft. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are obligated to remove any items no later than four business days after XX/XX/XXXX. I have previously addressed this matter in the report enclosed with my prior letter, and I am resubmitting it here alongside the new FTC report, numbered # XXXX. Additionally, the information provided on these items is unfamiliar to me and has been expunged from other bureaus, raising doubts about its accuracy. This complaint serves as notification that failure to remove the listed items from my report may result in legal action. I have informed my legal counsel of my intentions, and they are prepared to take appropriate action in the event of willful noncompliance : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2300.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2200.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX  XX/XX/XXXX. I am issuing another warning. Please remove the items resulting from alleged identity theft.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (TX)

XXXX and XXXX XXXX are in violation of the Fair Credit Reporting Act by pulling my credit without authorization. 

On XX/XX/XXXX, I received a hard credit inquiry from XXXX and XXXX XXXX, due to a re-scoring request from XXXXXXXX XXXX XXXXXXXX. 

On XX/XX/XXXX, I requested via email to cancel all services with XXXX, yet they ran my credit re-score anyway. 

This is a clear violation of the Fair Credit Reporting Act.
Consumer complaint received 2023-01-25
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)

In 2017 I was a victim of identity theft and they opened a credit card at XXXX XXXXXXXX XXXX. I have already sent letters from the FTC, I have called them and I have explained that this account was not opened with my authorization and they ask me for a police report. Unfortunately, in my physical condition, I can not report to a police station because I have sequelae of XXXX and I am in bed without being able to walk. For this reason, under the FCRA laws that protect me as a consumer, I need XXXX XXXXXXXX XXXX to delete that account from my credit profile. Thank you, XXXX XXXX
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 -ACCOUNT NAME : XXXX XXXX XXXX XXXX, Account Number : XXXX -Account Name : XXXX XXXX XXXX, Account Number : XXXX -Account Name : XXXX XXXX XXXX Account Number: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 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (MN)

What Im not understanding is this company says they cant identify me but locked me out of my account but still taking money from my account for a service I am not receiving sent in my member I D but still cant get in my account what gives them that right if you cant identify someone why keep collecting money cant handle this anymore XXXX  has taken over cant sleep knowing this company allowed my identity to be stolen and account hijacked but taking money from me and email changed to someone at their company Ive given all the information proving thats my account theres something not right with their investigation
Consumer complaint received 2023-06-19
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. (MI)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2023-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Consumer complaint received 2023-06-02
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I am contacting you to request the deletion and removal of the following accounts and information from my consumer report. It is imperative that these accounts and information listed below are not reported on my consumer report. This action is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I urgently request that you remove these accounts and information from my consumer report without delay, as they are in direct violation of multiple laws. I expect immediate action to rectify this situation.
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (GA)

I am unable to login into my Experian account. Iv tried on multiple occasions and it keeps saying my password is wrong. I have tried to reset it but it is now locked and Im told to call the customer service number!

Unfortunately you can only talk to a voice activated rep on the phone and not an actual person!

It does not give an option to unlock my account!
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I Must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on on deaf ears. it is important for you to understand that by law your required to take immediate action upon receipt of such request. Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I have submit dispute documents regarding Negative, incorrect, and outdated information. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience. 

Address : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX  {$180.00} XXXX  {$11000.00} XXXX XXXX  {$19000.00} XXXX XXXX {$890.00} 15 U.S. Code 1681b Subject to subsection any consumer reporting agency my furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom is relates.

Each Account is owed {$1000.00} due to Violation 15 U.S. Code 1681b Subject to subsection any consumer reporting agency my furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom is relates.
Consumer complaint received 2023-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (TX)

I'm writing to express my concern regarding the unexpected restriction and blockage of my Apple Card spending capabilities, which occurred following an attempted {$99.00} purchase at an Apple Store. It's rather ironic that I've encountered this issue while shopping at Apple, wouldn't you agree? Despite my earnest attempts to resolve this situation through your Customer Support channels, including both text messages and phone calls, I have received scant information beyond the fact that my account is currently under review. Regrettably, no definitive timeline for this review process has been provided, leaving me in the dark about how long it may take. As a result, my card is presently unusable. Neither the Customer Support representatives nor any supervisors have been able to furnish me with more detailed information regarding the cause of this restriction. I've been informed that I am simply to wait patiently for a call back from " upper management ''. As a loyal Apple customer for nearly two years, I have, on previous occasions, been faced with challenges that have received the standard " We're sorry for the inconvenience '' response. However, in this instance, I believe that a more comprehensive response is needed. The implications of this account restriction are significant, and I would greatly appreciate a thorough and timely resolution.
Consumer complaint received 2023-06-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Portfolio Recovery in XXXX calls me at least three times a day over a 7-day period. If I do not answer, they will call from a different number. I have asked to stop the repeated phone calls as I work and they are constantly calling. For the past week, I have received three phone calls a day from Portfolio Recovery.
Consumer complaint received 2023-06-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meade & Associates, Inc. (OH)

This collection agency never contacted me by mail, nor phone to give me the required 30 days to dispute the debt. They contacted me 2 years after they claimed they received the debt and demanded payment. They would not give me an option to dispute the debt. A representative named XXXX XXXX Contacted me and demanded payment. When I asked about what the debt was, she went on to tell me they called me 18 times and this was the first time they have ever spoken with me. I made her aware that this was the first time I have received a phone call. She again went forth with demanding the payment, I told her I needed to know what the debt was and wanted to dispute it. She said she was going to go ahead and sue me for the debt and hung up. I called back asking to speak with a manager. I was put on hold and told the manager would have to call me back. I told them they needed to pull the recordings from my conversation with XXXX XXXX at XXXX. They gave me a ref # XXXX. The manager did call me back later that day, and soft spoke to me to calm me down from the past conversation with XXXX XXXX. He didn't offer again a chance for me to dispute the debt, and told me XXXX was just doing her job. I told him I was a bill collector for 3 years and I knew the laws of the FPCPA and my rights under the fair debt protection act that I could dispute the debt before any collection process was done, which included putting the debt onto my credit report. XXXX just walked to smooth things over and said that he would not have XXXX call me back for a while. I have still not received anything in writing about this debt. This debt is now appearing on my XXXX and XXXX credit report without my right to first dispute the debt.
Consumer complaint received 2021-01-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I had a loan with Fifth Third bank beginning XX/XX/XXXX and I bought the home for {$89000.00}. The home was worth more than that so I had instant equity in the home but I still had to pay PMI. I was told that after I pay it down that I could get my PMI taken off and could just call in, but then I was told that I had to write a letter and I did while in the office with a loan officer at the XXXX XXXX location in XXXX, NC. I later got a letter that is need to pay it down to 70 % LTV or I could get it appraised but I stated that it was appraised by XXXX County and when I first moved in. I also faxed another letter when I paid down more but still got the same response. I no longer live there and have and sold the townhome in XXXX.
Consumer complaint received 2023-05-31
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)

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.
Consumer complaint received 2021-05-20
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 am a victim of identity theft, I am sick of writing and asking for these items to be removed, This is a disgrace, I am trying to purchase a home for my family and can not due to this, I am deeply saddened and disgusted. please remove
Consumer complaint received 2023-06-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I had filed a complaint regarding this ongoing issue with Citibank. As of today they have not solved this and are ignoring all my communications to them. I need the loan returned to SBA and they are refusing to do so even after I have provided everything they have asked from me. Here was the original compaint and the issue I'm having : On XX/XX/2021 I had my SBA EIDL loan for {$23000.00} deposited into my Citibank checking account. Citibank immediately froze my account and I was told by their fraud department that they will have to investigate the funds. After about 2 months they closed all my accounts and said they will return the money to SBA. It has been over a year now and SBA has not received the funds back. My loan is still active and I'm due to start making payments on it. I've called Citibank dozens of times and spent hours at a time trying to get someone to help me figure out why they haven't returned the money and to provide something in writing that shows why and where my loan funds went. They refuse to do so and most of the time the representatives just hang up on me after spending almost XXXX hours at a time on the phone. Their call center is outsourced and it is very hard to understand and communicate with their agents and they are very unhelpful. They keep telling me they will need to talk to someone in the " back office '' and they transfer me there but either they hang up or I would just be on hold for hours without anyone answering my call. I went into the branch and they also have to call the same number and go through the same process customers do so going into a branch was no help at all. Please help me get my loan returned back to SBA. I don't want to be stuck paying a loan for 30 years that Citibank stole from me.