davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-03-01
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. (VA)

XXXX, XXXX, & Experian have misused my credit report by violating these codes 15 U.S.C ss 1681b exclusions ( 2 ) exclusions ( A ) subject 1681s-3 of this title 15 U.S.C ss 1681m- in relation of said requirement on users of reports
Consumer complaint received 2023-05-12
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. (CA)

EXPERIAN XXXX XXXX XXXX XXXX and its criminal executives such as XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX committed multiple crimes such as 18 U.S. Code 241, 242, copyright and trademark infringement ( 18 U.S. Code 2319 & 15 U.S. Code 1114 ) for using XXXX XXXX XXXX XXXX without written consent, and many more. Fraudulently reporting without written consent ( 15 U.S. Code 1681b ( a ) ( 2 ) ) and also a Fake Credit Bureau ( 15 USC 1692a ( 1 ) ).
Consumer complaint received 2019-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

I do not owe this debt I request all of the following information be provided to me : Documentation showing you have verified that I am responsible for this debt, or a copy of my signature with a signed contract with this company. 

Otherwise I ask that you remove this debt from my credit file as it is reflecting negative on my file and is making my file look bad.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

The issue is causing me significant XXXX and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2024-03-21
Product: Credit reporting 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)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-01-02
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. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (CA)

ATM withdrawals in a city I don't even live we're done fraudulently without my authorization card company said no error occurred I authorized transactions which I did not I notified them within minutes of this occurring and they still denied my complaint they just did not want to investigate waiting for forms of their investigation but have not received
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem.
Consumer complaint received 2023-01-02
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-12-28
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2023-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I deposited a check of $ XXXX in my checking account at Huntington bank in the beginning of XX/XX/2022. The check was put on hold and my account was closed. Upon inquiring from the bank about what happened, they said we are confirming with donor bank ( XXXX bank ) about the availability of the fund and will let you know. XXXX weeks past by and upon farther inquiring I was told that fund was transferred from XXXX bank XXXX Huntington. However, there is investigation about the check and we need you to submit documents of identity and a letter from the donor of the check. I took my cousin ( the donor of the check ) and we went to the bank and we submitted all the required documents in the beginning of XXXX. XXXX weeks went by and no response. I went to the bank again last week, and I was told that I have to submit the documents again and wait for unknown period to get the fund released to me. I need your help in this regard. 
Thank you
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to my recent credit report request from Transunion, XXXX, and XXXX and there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in XXXX  days as stated in XXXX. VIOLATIONS OF CREDITORS VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED : XXXX XXXX ACCOUNT # XXXX WAS NEVER LATE ON THIS ACCOUNT AND NOW EARLY WARNING. DOES NOT BELONG TO ME AND UNVERIFIED PLEASE REMOVE XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX DOES NOT BELONG TO ME. 

XXXX XXXX XXXX Account number : XXXX Account type : XXXX XXXX  Phone number ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX UNVERIFIED PLEASE REMOVE DEPT OF CHILD SUPPORT WAS NEVER LATE AND THIS IS UNVERIFIED
Consumer complaint received 2023-07-17
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: Dynamic Recovery Solutions, LLC (FL)

On XX/XX/2023 i received an email notice that my credit score dropped for XXXX so i went into the app and sure enough it had decreased XXXX points!!!!. I was furious and went to see why and it says there was a collections added so i checked it out and it was for a hospital ive never been to or knew existed. i immediately called the collection agency and for 20 minutes they could not find my account so i called XXXX and then submited a dispute online and now theyre telling me the information is verified. I am clearly stating i have never been to that hospital on that collection and that is not my debt. and if someone did use my name and social I DID NOT AUTHORIZE IT AND THAT IS LITERALLY FRAUD, which they were NOT able to verify my name OR social because they didnt even have it they kept asking me for it. Its ridiculous because fraud is literally stealing someones identity so i thought it would be obvious that if it does come to see they have my info then obviously its fraud because i told them 5 ways that i never been to that hospital. the distance in itself would be too far. So i am begging for help because they have DRASTICALLY decreased my credit by XXXX points and i work in the XXXX XXXX XXXX and most of my deals rely on my credit score for our loans PLEASE HELP.They didnt do anything to help me.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-02
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 (FL)

Apparently, my Apple Credit Card ( Goldman Sachs ) is tied to my XXXX XXXX I have had an activation lock placed my Apple ID three times in the past 6 weeks or so. I use a password manager. I also use passcodes that are saved to Apples password manager, and copy, pasted, and printed. I have no access to the associated email, which is what XXXX is requiring to reset the password. I have reset the password, twice, but XXXX fails to accept it. 

If I close the XXXX XXXX  I also close my Apple Card. Of course, I can create a new XXXX XXXX XXXXnd reapply for the Apple Credit Card. When I close the XXXX XXXX, and subsequently the Apple credit card, I will still have the amount currently applied to the Apple credit card as part of the available credit for all cards. That creates a major hit to my credit score, which limits my ability to obtain a new Apple Credit card. I have about {$210.00} in transactions being disputed. I can not check on those statuses. I can not stop payments being made by the card. Nor can I currently use the card. Nor do I know the balance. Nor can I cancel subscriptions or access apps that I purchased. The vendors tell me that I can only access them through the XXXX XXXX that I am locked out of. I can only make a payment, and I need to guess how much the payment should be. Nor can I check for unauthorized transactions. I did not know I was owned by XXXX. I thought this was my account. Am I wrong? This is corporate power to control without ownership.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Im writing to file a formal complaint against the three major credit bureaus XXXX, Experian, and XXXX for violations of consumer protection laws regarding the reporting of late payments on my credit reports. 

Under 15 U.S. Code 1681s-2, furnishers of information to consumer reporting agencies are obligated to provide accurate information. Specifically, section 1681s-2 ( a ) ( 1 ) ( A ) prohibits the reporting of information with actual knowledge of errors.

I have discovered inaccuracies in the reporting of late payments on my credit reports, which do not accurately reflect the transactions or experiences between myself and the creditors. These inaccuracies have resulted in negative consequences for my creditworthiness and financial well-being.

Furthermore, according to 15 U.S. Code 1681a, consumer reports do not include reports containing information solely as to transactions or experiences between the consumer and the person making the report. Therefore, any reporting of late payments must accurately reflect the true nature of these transactions and experiences.

I request that the credit bureaus investigate these inaccuracies and take immediate action to update my credit reports to reflect the accurate status of the accounts. Specifically, I need the late payments to be reversed and updated to reflect that the accounts were paid as agreed.

According to the law, I request that the credit bureaus provide an update on the status of the investigation and make the necessary updates to my credit reports within 15 days of receiving this complaint.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2023-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TX)

I called the servicing company Monday to make 3 payments on my mortgage and she would not take them. She said my best option was to sell. I dont want to sell. When I did the hardship papers, they just sent me the appraisal to the house. Ive tried to pay several times and everyone gives me a different amount. The 1st time XXXX said if I pay {$4100.00}. On the XXXX of XXXX Id be fine. I tried and they said no. I can up with the 3 months and they said no. Now they want {$4000.00}. In fees. The company is Faye Servicing.
Consumer complaint received 2023-07-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX XXXX has posted an account on my credit report. XXXX XXXX  associates is a debt purchaser. However XXXX XXXX services never notified me of my right to dispute the debt that they purchased from Synchrony bank. In addition they claim that the Date of first delinquency was XXXX XXXX THe original date of deliquency was XXXX XXXX with no payments or promises to pay being made after that,
Consumer complaint received 2023-01-10
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)

This is a request to verify the documents used to publish these account to my credit report. The FCA requires that specific documents be provided to the credit bureaus in order to publish item on a persons credit report. This is a official request to produce the documents used in order to do that. The original wet signature must be included. Please forward all document to my address listed.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have spent the better part of the last two years trying to have fraudulent accounts removed from my reports. The time, stress, and financial damages they have caused me have beyond nauseating. These credit reporting companies have done nothing that would remotely be considered a legitimate investigation into these concerns. My next steps are to take these concerns to federal court. 
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 alleged identity theft, not later than 4 business days after date of receipt. It has been well over 30 days and you are VIOLATION of this law due to the very fact that I AM A VICTIM OF IDENTITY THEFT!!!! Please delete these items that are enclosed on my federal identity theft report. 
To be clear, these accounts should not be furnished on my consumer reports as they are in VIOLATION of 15 U.S Code $ 1681c-2 AND under 15 U.S Code 1681b Permissible purposes of consumer reports, 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 INSTRUCTIONS of the consumer to whom it relates. I XXXX XXXX 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 im demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-01-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I disputed a late payment and removing all addresses but the one I submitted and gave information on that I receive mail too. 

I submitted my social security card, driver licenses, and dispute letter. 

Equifax sent a stalling letter and did not verify and validate my dispute. 

They said they needed my driver 's license and Social security card and as you can see I sent it. 

I'm resubmitting.