davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MS)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
Accounts XXXX consumer # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX has violating my rights.

( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. Definitions and rules of construction set forth in this section are applicable for the purposes of this title.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

Experian refuses to have correct data on my report. XXXX XXXX XXXX reported a commercial loan, and Experian refuses to mark the account commercial. The amount of the debt is fraudulent, and I proved it. And there are closed accounts from 2014 that Experian will not remove. 

XXXX XXXX XXXX reported to Experian that the account had XXXX owed and was charged off. Yet, when I contacted XXXX XXXX on a recorded line. I was informed that the past due balance was XXXX. This is a commercial account, and I was NEVER told there was an issue with this account. I have another account with them, and they chose to ruin my credit with a bogus amount. I agreed with XXXX XXXX XXXX for XXXX, and they are paid in full. They said that they were sending me a tax document. Any tax documents to me are a bogus report, and I am filing with the IRS next. They do not have the title to send me and refuse to mark this account commercially. And they are predatory lenders that my bank has flagged as fraudulent.
Consumer complaint received 2023-07-13
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)

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.
Consumer complaint received 2023-07-13
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. (CT)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do 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 this account which is found to be opened due to identity theft. The dispute item does not belong to me. Please remove this file. If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature. 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
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP (GA)

I became a widow and my husband did the financial transactions. This is the first time I had to handle them. I moved to XXXX  state and opened up a Keybank Account. My son moved me to XXXX  so I called my Keybank account to be closed as there is no Keybank in XXXX After Many months of inactivity on the account a charge was made to my checking account XX/XX/2023 of XXXX. I called the collections to find out about it. They said call Keybank and Keybank said it was a charge from XXXX. I called XXXX and they said I never made a purchase for that amount on that date. I called the collection agency back and they spoke with fraud and since it was 60 days past they would not help resolve that. I thought my account was closed because I called Keybank to collect on the awards that I accumulated. The response was your account is closed so you can not collect on those rewards. I was getting monthly statements and they said XXXX balance every time so I stopped checking the statements that came in. Then I got that collection letter. I would like that collections to be paid since account should have been closed and I did not make that charge.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The dates on this report are incorrect on when it was last active. This account needs to be removed from my credit report. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhart V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debtt, nor therefore any such debt, in fact therefore exist
Consumer complaint received 2021-05-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

i am a XXXX veteran and had gotten XXXX XXXX rating about 8 months ago. i am entitled to benifits including waving of fees for a resfinance of my house and property taxes. i also would not have to pay mortgage insurance. i applied for a refinance from my currnet mortgager lakeview loan servicing which handles my loan with loancare. i spoke to a representative named XXXX at lakeview who started y application over the phone i then was contacted by XXXX XXXX in an email and they set up an electronic application never heard or could contact XXXX from lakeview or could ever get a person on their phone system it hangsup on you after entering all your information. I tried to contact XXXX through phone all i got was emails that were frustrating. she would refuse to give me updates and would ask for things i didnt have knowledge of and then would berate me in the emails. It was like she was mad at me for something or didnt want to complete my va loan application i paid for termite report and gave her all documents she requested. i could never get a hold of her or get any answers to my questions. i asked for a supervisor and she never would give me number and their system doesnt allow for clients to file discrimation complaints or even talk to some one. Yesterday after 4 weeks of asking for updates and she would inform me underwriting had the docs she told me they closed the application because i would need to come up with XXXX to close the loan i had agreed to come up with any moneys needed when i spoke to XXXX. she never asked me or told me about the monies before she cancelled my application. I have the money and it apppears she was purposefully trying to keep me from getting loan, I asked her several months in a row not to waste my time if she didnt know how to process a va loan. i believe she discriminated against me because she was mean and nasty in her emails and refused to communicate clearly or would ignore my answers. i have tried to talk to supervisors and she even told me one would contact me and no one ever did. i left messages for XXXX supervisor and XXXX XXXX supervisor and no one has contacted me to even explain what happed. it appears she had not done here job and i am being punished for it by her personally and am asking that someone reivew my application and the process taken i lost my rate guarantee and she said i could reapply with new rate. i would never use this company again for anything unfortunaltyl i do have a choice who serivices my loan and from my research it apperar this compant has many complaints like mine all over. please help me since i am XXXX and have a hard time trying to deal with this situation
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NE)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2021-05-08
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: Experian Information Solutions Inc. (MA)

Dear Credit Bureau/CFPB ; Listen, Im still shocked, stressed, & perplexed on the way that these accounts continues to report on my credit report. Ive contacted each of these accounts listed and screenshot showing the errors on the way its reporting. Its impossible that you conducted a reasonable investigation on each of these accounts because it continues to report multiple inaccuracies, misleading information, and inconsistent with payment status and history. There are different dates of last active, last reported, last payment, dates of 1st delinquencies, etc. Impossible. Its my understanding after I download the FCRA law and guidelines that consumer credit report needs to ensure that everything is reporting 100 % accurate, 100 % timely, and 100 % verifiable. Well, these accounts are not verifiable due to these violations I mentioned and it continues to illegally re-aged them.
Consumer complaint received 2022-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (VA)

HUNTER WARFIELD XXXX APARTMENTS MANAGEMENT FAILED TO CORRECT A SEVERE RODENT RAT INFESTATION. I HAVE PICTURES AND EMAILS AS PROOF THAT I GAVE THEM SEVERAL MONTHS TO REMEDY THE SITUATION BEFORE MOVING. IT WAS LEGAL FOR ME TO WITHHOLD THE RENT AND MOVE WHEN MANAGEMENT FAILED TO SOLVE THE PROBLEM. THE COLLECTION AMOUNT FOR XXXX SHOULD BE REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2023-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

My now deceased ex boyfriend stole my information and opened 2 credit accounts under my name from XXXX XXXX  in XXXX. I have disputed these with portfolio recovery numerous times. They harass me constantly and I'm always having to block new numbers they call me from.
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. (VA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Dear Sir or Madam, My name is XXXX XXXX. On XX/XX/XXXX, I received an email from Bank of America to confirm an email for an account I did not open. The email stated that " If you dont recognize this activity, call us at XXXX. ". I called that number and after a 30 min delay I finally reached a representative who passed me to another representative, who then suggested I call another number ( XXXX ). I have been on hold for 20 more mins and finally spoke to a second customer representative without a successful resolution. I have spent a total of more than 1 hour on the phone. 

Based on the conversations with the bank it appears someone tried to fraudulently open a bank account on my name. The application process for a bank account is still open ( contingent on providing additional details ). I have notified the bank that I did not try to open a bank account and that it is likely fraudulent activity - but the bank is unable to close that application ( their systems do not allow it ) or to flag that application as fraudulent because it is still in process. 

I would like Bank of America to immediately cancel any outstanding request to open anything on my behalf. I would also like Bank of America to assure me that any future request for any banking activity with the bank will involve a high bar for confirmation to ensure that this does not happen again. 

Thanks and warm regards, XXXX
Consumer complaint received 2017-02-15
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Maximum Title Loans, LLC (AZ)

Hello, I contacted you last year about Maxium Title Loans harrasing me over a unpaid loan. The case number that I was given XXXX. 

We eventually went to court on this matter and the judge ordered that I would have to pay {$730.00}, which what was owed when I defaulted on the loan after paying almost a year on it. 

I was going to have my wages garnished. The judgement came on XXXX XXXX, XXXX. 

I received a call at work on XXXX XXXX, XXXX from somebody probing my coworkers for information. I had already left for the day and my coworker referred them to my human resource department, XXXX. There was also a voicemail left on my work number as well saying to give them a call. Within 30mins of my coworker calling me about the call they got, I received a phone call on my personal number. My number is not associated w/my name and can only assume that my HR department gave them my personal number. 

The number Maxium Title Loans called from was XXXX XXXX XXXX and the gentlemen said that they were going to move forward on garnishment and did I want to work something out. I was in shock that they were calling me after being instructed never to call me at work and they could have not have had my personal number without getting it from my employer somehow. All that information was in the first complaint. 

I told the gentlemen that we were in court almost a year ago and I have been waiting for the garnishment since the court date. The gentlemen said that I owed the company over {$1300.00}. I told him that my paperwork said that I owed {$730.00} and it 's not my fault that they waited almost 1 year to get an extra {$600.00} on interest. NOT FAIR!! I told the gentlemen to do what he needed to do because I was not working anything out with him or his company. The garnishment should have taken place immediately after our court date and not 1 year later to gain interest. I am also reaching out to the courts where the judgement came from to see if I can get back into court for this delay that will cost me {$600.00} ( case number XXXX XXXX ).
Consumer complaint received 2022-11-29
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$730.00} XXXX XXXX XXXXXXXX Balance Owed : {$660.00}
Consumer complaint received 2023-07-13
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. (CA)

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXXXXXX and XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the banks customer service representative.
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Payfare International Inc. (GA)

Ok I recently worked many hours with XXXX XXXX  and when I was paid my earnings was transferred to their XXXX XXXX XXXX  I tried to activate the card and called the customer service line for help, but no resolution. They continued to give me the run around telling me different stories every time I called in. The money was transferred to some unknown account which was not mine. The account was completely hacked and scammers were allowed to take my money I worked hard for and not pay me XXXX dime of it. Every time I called in now they do not answer the phone. The company online is called Pay-fare International.
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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.

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 2018-03-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I had an open credit card account with Bank of America and I have not been late on payments on this credit card ever since I applied for it on XX/XX/XXXX. On XX/XX/XXXX, I have made a balance transfer on this account from a 0 % credit card to help lower my debt, interest charge and pay off the credit card rather. Few days after making the transfer, bank of America credit card services have decided to lower my limit, putting my credit card balance below the limit, which have resulted to lowering my credit score and making it impossible for me to qualify for other credit card account with 0 % or any other type of loans. After multiple attempts to arrange the situation, Bank of America have decided to close the account on XX/XX/XXXX. 
On XX/XX/XXXX, I reached an agreement with Bank of America to pay off the account by making periodic payments of {$500.00} every month with the condition that the account was brought up to date by making a payment of {$300.00} that day and that the previously setup automated of {$200.00} every month would be deleted to avoid having to pay twice every month. Bank of America did not follow through the agreement and kept charging my account with the {$200.00} payment on the XXXX of the month. After discussing the issue with them, they agreed to reimburse me the payment of {$200.00} to my account and make sure that any late fees associated that resulted from this to be reimbursed and any reporting ( 30 days late ) to be deleted off the my credit report by contacting the bureau. This still has not happen.