davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
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: EQUIFAX, INC. (TX)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





UNAUTHORIZED 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 XXXXXX/XX/year> 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 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

EQUIFAX XXXX XXXX XXXX XXXX GA XXXX I XXXX XXXX am submitting this complaint on my own behalf Re : Inaccurate Late Payments-Immediate action required I noticed that you're continuously reporting errors on my credit report, after my initial disputes indicating that I was late on the account noted below : XXXX XXXX  XXXX Please explain how you can report these negative marks when I was never late? I am demanding proof showing I was late.You never proved that I was late, Therefore you must update my credit report to reflect PAID AS AGREED/OK. 

Furthermore, I would like to remind you of two laws that indicate you can not report this type of information on my credit report.

Under 15 U, S, Code 1681b Permissible purposes of consumer reports indicates written permission must be given to report anything on my consumer reports. I NEVER GAVE YOU WRITTEN PERMISSION. No consent is fraud-therefore you can not legally report this alleged late payment to my credit report.
Consumer complaint received 2023-03-17
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. (VA)

This XX/XX/2023 I received an alert from EXperian regarding my disputes updates on all of my accounts that are associated with my discharged bankruptcy ( attached ). The report is still inaccurate because balances are still showing on report, status not corrected, past due/Negative/delinquency/deragotory, should not be reporting negative months if debt was discharged in bankruptcy court, all mentioned is showing inaccuracies on the credit reports of these accounts : XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX, Acct XXXX, Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX & XXXX Any other Acct Ive missed that should be included. remove/ or update The XXXX credit bureaus have also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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.

Please remove or update all accounts to show all below : 1. Account balances should be {$0.00} or blank.

2. Status of Account should be " Included in Bankruptcy '' OR " Discharged in Bankruptcy. '' 3. Any " Past Due Balance '' must show as {$0.00} or blank.

4. Any " Charge-Off Balance '' must show as {$0.00} or blank.

5. There can not be any monthly delinquency reported AFTER your Bankruptcy Case was filed.

You are causing my credit score points to go down because your staff arent updating theyre causing scores weekly to drop that went up. Now my score is poor not fair This is a violation of my rights.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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. 
This is a demand of removal!!
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX. I called Wells Fargo Home Mortgage to help me with Loan Modification. I'm a XXXX  the market was collapsing. I sent all the information for 2 years. I got really XXXX. I had really XXXX XXXX  for 3 weeks, I XXXX XXXX. XX/XX/XXXX, I found XXXX XXXX Firm, I paid {$6500.00} they promised me to stay in my home and they will file a Mas Joinder Law suit against WFHM. XX/XX/XXXX they file a Lis Pendens. XX/XX/XXXX I received a acknowledgment from WFHM. XX/XX/XXXX XXXX voluntarily dismiss the Lis Pendens. XX/XX/XXXX WFHM FORECLOSED on my home. XX/XX/XXXX XXXX file a Mas Joinder Lawsuit. XX/XX/XXXX a letter from the Sheriff to VACATE.1XXXX a letter from WFHM under-review Loan Modification XX/XX/XXXX Declaration from XXXX XXXX XXXX securitization . XX/XX/XXXX received the Securitization Report from XXXX XXXX. XX/XX/XXXX I did a research and found the Note. XXXX My family and I got EVICTED. XXXX I received the NOTE from UNITED STATES OF AMERICA Securities and Exchange Commission. The NOTE can Not be sold and securitized no more than 3 months. WFM Backed Securities XXXX Trust with a Closing Date of XXXX XXXX. Violation of PSA Invalidates the ownership of the property to the foreclosing party. XXXX XXXX I'm still legally the owner.
Consumer complaint received 2022-11-02
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (TX)

i contacted Early warning to remove a NSF charge which is inaccurately reporting and is keeping me from opening a new account. 

i showed proof that the charge was paid and the account is still active 2 years later after that the claim was made. 

the nsf was dated XXXX for {$570.00} for XXXX XXXX i sent them proof that not only was this charge paid but also i still maintain the account with XXXX 2 years later and many other payments have been made on the same account.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Oklahoma Student Loan Authority (AL)

The XXXX XXXX XXXX XXXX XXXX XXXX reported my student loan as delinquent As of XX/XX/XXXX. My loans are still suspended due to the loan forgiveness program. My payment does not show that it is due until XX/XX/XXXX on my account online. This made my credit score drop XXXX points.
Consumer complaint received 2023-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (IL)

I received a fraud alert on my credit reports saying I have a derogatory alert. I went to my credit report and it showed a collection from a company I never applied which caused my score to decrease by XXXX points. The date is XX/XX/2023 in the amount of {$310.00} that is when it was put on my report.
Consumer complaint received 2023-03-17
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: CITIBANK, N.A. (NY)

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 USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/XXXX My personal account was canceled by the American Express with a {$2500.00} minimum payment due. 
Since XX/XX/XXXX American Express has charged me {$110.00} dlls with different names of commissions in a 2 month period. 
On XX/XX/XXXX I called the customer call center to cancel my personal account and confirm the amount I had to pay. They confirmed me the amount was {$2400.00}. 
On XX/XX/XXXX, the same day I paid the total amount by bank transfer {$2400.00} after that I received an XXXX mail about the cancelation of my account. 
On XX/XX/XXXX, a month later of my request of the cancellation. I received an e mail about an amount pending in my account of {$3.00} as an interest charge. 

From my understanding the amount of {$3.00} is illegal interest ( usurious ) because since XX/XX/XXXX I owed the Bank {$0.00} dollars, and they did not cancel my credit card on time as I requested or calculated such amount in the figure they provided me to cancel my account. 
I request such authority to review the process the bank have when a customer ask for a cancellation of a credit bank in American Express. Because from my perspective these activities affect the customers in the following manners : 1 ) The Bank is using its services for personal gain, avoiding the cancellation of a credit card at the time the customer is asking.

2 ) The customer may loss a good amount of money in the case of a major amount owed and maintain the account open without the customer notice.

3 ) The Bank should implement better security measures and quick process at this kind of requests giving the customer an accurate figure to cancel.
Consumer complaint received 2023-03-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

My loan was transferred from XXXX to NewRez and the process has been TERRIBLE. They told me my autopay would transfer over and it did not, costing me late fees. Now I can not set up auto pay because my loan shows past due. I called newrez to set up the auto pay and they hung up on me. It took ELEVEN calls to them to get someone to talk to. Most of the time I call the phone number from their website and the line is SILENT. Now I have to jump through HOOPS just to get my loan back to what it was and when I call no one cares. Not allowing me to set up autopay is not fair. Saying my payment will transfer over and then charging me late fees is not fair.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to correct my credit report for 10 years now!!! 
It says I lived in New York in 2009 ... I have never been to New York in my entire Lifetime!!! 
My identity was stolen some time in 2009. I have written Transunion several times over the years to try and correct this fraud, and every time they say they correct it. 
Just received my new report ... same New York address listed on the report. 
Tried calling them, can't speak to anyone there, just a computer.XXXX Can't access their website either.
Consumer complaint received 2023-03-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (WA)

I receive an average of 10-15 calls PER DAY often over and over again within a small time frame. I used my credit to start my business and have told them time and time again I am paying as soon as I get my taxes that Ive been falling behind due to XXXX striking me twice and being out of work. They are foul mouthed and loud and use obscene language. After I have blocked their number they will call continuously from a blocked number. Ive answered to confirm. 
Comenity Bank!
Consumer complaint received 2022-11-29
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: SYNCHRONY FINANCIAL (CO)

I have noticed hard inquires on my credit files that were not me nor were they authorized by me. I have called to get them taken off the credit beruas and they have not. I did not sign for these accounts and did not give permission for them to pull my credit. Under the Fair Credit Reporting Act- I have the right to fair and accurate credit reporting to my credit file. 

The following accounts are on XXXX XXXX XXXX - XX/XX/XXXX XXXX via Syncbpaypal - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX
Consumer complaint received 2023-03-17
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)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) Account number : XXXX, has violated my rights .

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I received a notice saying Colorado law requires TransUnion to provide a copy of negative information impacting my consumer report. They do not have the right address listed which makes me question the information. I tried to call the XXXX number falsely advertised and once you enter 1 for English they say the service is not available I have tried to call the 800 number, do their online portal for help, contact XXXX and ask for a supervisor but no one responds. How am I as an average citizen supposed to protect my personal information and my credit when these companies make false claims and do not provide the necessary means for resolution? The agents claim to not have access to email and there is no corporate telephone number provided to speak to a live agent. This is a real concern!
Consumer complaint received 2022-11-02
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. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX Date of inquiry : XX/XX/2022 ; XXXX Date of inquiry : XX/XX/2022 ; XXXX Date of inquiry : XX/XX/2022 ; XXXX XXXX Date of inquiry : XX/XX/2022
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (GA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

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 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (MA)

HOUSE WAS SOLD. I DID NOT RECEIVE NECESSARY IRS FORMS TO BE ABLE TO FILE MY 2019 TAX RETURN FROM Key BANK 2019 1098 MORTGAGE INTEREST STATEMENT I EMAILED THEM, I SENT REGISTERED PRIORITY MAIL THEY HAD TO SIGN FOR REQUESTING THE 1098 IRS FORM TO FILE MY TAXES. THEY DON'T RESPOND. I HAD TO FILE FOR INCOME TAX EXTENSION AS THIS AMOUNT I PAID THIS BANK IS {$130000.00} interest, taxes and payments 2019. THIS IS THE FIRST MORTGAGE AND THE LIEN HAS BEEN RELEASED BY THE BANK.
Consumer complaint received 2023-03-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (MD)

In short, Ally Bank has placed a false report on my credit for a ticket ( or toll ) that they can not provide or prove was my ticket. 

Ally Bank posted on my credit a XXXX dollar debt that is not owed. It is not owed because Ally Bank has never provided a source document justifying the debt. The disputed debt is for a ticket or toll received in XXXX or XXXX. Initially, I disputed the debt because I paid the only ticket I was aware of, and provided proof of payment. Problem is, Ally bank can not provide the source document supporting the debt. The only thing Ally Bank can provide is a summary letter with no back up support. I initially filled a XXXX  complaint, disputing on two grounds, first, that it was a debt not owed because I paid the only ticket received. Second, that they have never provided the source document for the disputed debt. 

In dealing with XXXX, XXXX XXXX XXXX, it was disclosed to me that Ally Bank does not have the source document to support the debt. By my understanding of credit laws, the creditor must provide the source document to justify the debt. Ally Bank has never done that. Instead, they confirmed they do not have it. I stated they if they did not have the source document, then the debt is invalid and must be removed from my credit report. XXXX said Ally Bank would not do that. This dispute goes back to XXXX. I did not pay it then for the same reason, that Ally have never given me proof of the disputed debt. I have repeatedly requested the source document, which they first refused to provide, then finally admitted they did not have. This appeared on my credit in XXXX, even though the lease was paid, in full, and ended in XXXX of XXXX. Ally bank waited 7 years to close an account, which I also believe is incorrect. The lease ended in XXXX. 

Attached is the summary letter Ally Bank states justifies the credit report ding.