davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

This is my official DEMAND that all the reported claims be demonstrated with factual documentation that ensures full truth, accuracy, timeliness, completeness, physical verifiability, and validity. According to relevant state and federal laws, the reporting process must demonstrate the claim ( s ) and comply with the mandatory METRO 2 COMPLIANT FORMAT standard of reporting, regardless of their truthfulness. It is not ethical or legal to assume that unverified claim ( s ) have been lawfully reported, even if they are true and valid in other respects. The ability to collect a debt or claim does not necessarily indicate its ethical and lawful reporting. All entities involved in consumer reporting, especially in cases of delinquency or derogatory information, must adhere to the reporting regulations and standards.

Being the FACT, I DEMAND a document of CERTIFIED COMPLIANCE displaying undoubted PROOF of all claim ( s ), PHYSICALLY VERIFIABLE TRUTH, CORRECTNESS, TIMELINESS, COMPLETENESS, OWNERSHIP OF RESPONSIBILITY, and VALIDITY including ANY STANDARD necessary be it mentioned or NOT! COMPLIANT REPORTING of VALID INFORMATION is NOT OPTIONAL, it IS THE REQUIREMENT. Any claim of negativity NOT meeting this STRICT STANDARD I here now CONTEST its REPORTABILITY and CHALLENGE all involved in its reporting to DEMONSTRATE PHYSICAL PROOF of FACTS and COMPLIANT REPORTING else ERADICATE any and all aspect of claimed delinquency ( ies ) and or derogatoriness ( es ) reporting and inadequately alleged.

The follow currently REPORTING Personal information items are NOT EXACTLY as I above submitted and DOCUMENTED within this notice so CERTIFICATE the VALID and COMPLIANT REPORTING of any claim of related negativity any claim of related negativity associated with ANY ASPECT of personal information reported inadequately as above described. The deficient reported personal information is The follow currently reporting Personal information items that are NOT EXACTLY the same as the above submitted and DOCUMENTED within this notice so CERTIFICATE the VALID and COMPLIANT REPORTING of any claim of related negativity any claim of related negativity associated with ANY ASPECT of personal information reported inadequately as above described. The deficient reported personal information are : REMOVE the display reported Also Known As : ( XXXX ) CLOUD, XXXX, A as my REQUISITE REPORTED CURRENT CORRECT COMPLETE FIRST & LAST NAME is : Your full name : XXXX XXXX XXXX
Consumer complaint received 2023-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I have been sending dispute letters to Experian Information them of the inaccurate information they are reporting. I have informed them of the incorrect personal information they was being reported. Now its a few accounts that needs to be removed. 

1 ) XXXX XXXX XXXX Account # XXXX 2 ) XXXXXXXX XXXX Account # XXXX 3 ) XXXX XXXX Account # XXXX
Consumer complaint received 2023-07-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

On my consumer report Equifax reports NYS DEPT SOC. XXXX. CHILD SUPPORT is inaccurate and incomplete. 
I sent a certified letter ( attached below ) for information pertaining to this account and I was told over the phone that this case has been is closed for a long period of time and there was no way of retrieving this information. I also called this office several times only to be told that this is not them reporting this info it is the credit agencies. That I should go to the court house and request my information from the courts even though this account has been closed for years. Also they have confirmed that my case has been closed for many years. The error on my report shows many discrepancies and there are no amounts to reflect any past payment history, such as late payments or missed payments etc. Attached is the latest info from Equifax about an horrible investigation never performed to verify a inaccurate reporting of information. Also attached is the XXXX, XXXX I sent to them.
Consumer complaint received 2023-10-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

My husband told Carrington Mortgage that he had my permission to pull my credit for a joint VA mortgage loan. refinance. This was. NOT true, I was totally unaware of what my husband was attempting to do with the mortgage company. He had reached out to them about a refinance in order to qualify for some type of XXXX relief. 

I noticed that I had XXXX hard pulls on my credit from XX/XX/XXXX and XX/XX/XXXX. Once I investigated where it came from, I discovered that it came from XXXX Mortgage. 

On XX/XX/XXXX I reached out to XXXX Mortgage to request that they remove the hard pulls from my credit report because they did not have my permission to pull my credit. They asked me to send the request in writing. On the same day of the call to Carrington, I faxed a written request to them as requested. 

On XX/XX/XXXX, I received a letter from Carrington Mortgage stating that they would not be able to honor my request because they did have permission from my husband XXXX XXXX to pull my report. 

After investigating the law regarding consumer credit monitoring, I found several online references that state that it is illegal to have a spouse or a business to a spouse 's credit without permission. Please assist in the resolution of this complaint. My credit has suffered tremendously due to these unauthorized actions and credit pulls.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This complaint regards a charge dispute that was initiated with Bank of America Credit Card on XX/XX/2023 regarding a transaction that occurred on XX/XX/2023. ( See attached letter to Bank of America dated XX/XX/2023 ) The amount in dispute was of {$16.00} for services that were charged and paid in advance to merchant but were not provided by merchant because services were no longer sought or needed. I received XXXX subsequent response letters from Bank of America dated, XX/XX/2023 and XX/XX/2023 in which Bank of America requests more information about the charge and a signed document stating that the amount originally in dispute was still being disputed. ( Attached are the XXXX letters sent by Bank of America dated, XX/XX/2023 and XX/XX/2023 ) Although the information Bank of America requested from me was provided to them, as of XX/XX/2023, it has not resolved this dispute by crediting the account in the total amount in dispute.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian is reporting a XXXX XXXX on my report I ask to move they said no after I told them that is not my physical address it needs to be removed from my report immediately XXXX XXXX XXXX XXXX XXXX  CA not my address XXXX XXXX XXXX XXXX on XXXX also not my address remove immediately
Consumer complaint received 2023-10-03
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. (MD)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2017-12-14
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. (IL)

I have had multiple frauds alerts, inquiries and accounts attached to my credit. These negative accounts are dying my credit. Ive continuously contacted the company to have the removed off of my report. At this point its beconing very frustrating. They have been closed and discharged but the fact that they are there is still hurting me. I would love if they could just please be removed. The customer service that Ive been experiencing with TransUnion has been horrible! Theyve been giving me the run around, and barely wanting to speak with me. It is so unfortunate that I am dealing with this.
Consumer complaint received 2023-06-03
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. (HI)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 
154.s.c 1681 section 602 A states I have the right to privacy.

15 U.S.C section 602A section 2 It also states a consumer reporting agency can not furnished account without my written instructions
Consumer complaint received 2023-10-03
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. (PA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX theft Account number XXXX XXXX identity theft Account number XXXX XXXX Identity theft Account number XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-01-03
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. (OK)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # NA has violated my rights. 

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

15 U.S.C. 1681 Section 604 A section 2 : Is also states a consumer reporting agency can not furnish a account without my written instructions.

15U.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 and 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 to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX  XXXX 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 2023-10-03
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. (PA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX theft Account number XXXX XXXX identity theft Account number XXXX XXXX Identity theft Account number XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2018-03-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (CT)

Car was turned in and lease terminatedXX/XX/XXXX, plate were returned to DMV early XX/XX/XXXX. For some reason my account with XXXX XXXX   continues to remain open with XXXX XXXX though I have not had the car since last XX/XX/XXXX. I do not have any vehicles through XXXX XXXX at this time. In XX/XX/XXXX an accidental payment of XXXX was made on this account that I did not even know was even open any longer. I contacted XXXX   and was asked to provide proof that plates were handed into the DMV because I was being charged for property tax. I emailed and provided this info to an email address that was provided by XXXX XXXX. I have called several times between XX/XX/XXXX and now XX/XX/XXXX and my money has not been returned to me with not through explaination why. On several occasions I have put in phone calls and sat on hold for extended periods of time. I have been told that I would recieve phone calls back and nothing has happened. I am still waiting for my XXXX.
Consumer complaint received 2024-04-04
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. (PA)

FCRA 605B necessitates us to eradicate any flawed accounts from my credit record. Can you verify the documents? Some of the recorded accounts are erroneous in terms of reporting, with inaccurate amounts and dates reported.
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AR)

I have 2 disputes opened with this company that were immediately denied and both times money was stolen from me and I turned in all the required documents dispute # XXXX are XXXX XXXX one was for a birth certificate that a company never fully processed and the second my card was charged for over XXXX dollars of food and goods
Consumer complaint received 2023-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-10-03
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. (RI)

I am writing to report an issue with my credit report, specifically related to my interactions with Equifax. On XX/XX/XXXX, I contacted Equifax regarding the following incorrect information present on my credit report. To date, I have not received a response from them. I am providing the details of the inaccurate information and the necessary corrections required : The following account was never late : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Issue : This account has never been late, and I request that you correct this inaccurate information on my credit report. 

The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} Issue : This account does not belong to me, and I request its immediate removal from my credit report.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

account.

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 1881. 

Accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights 15 U.S.C 1681 section 802 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. 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THESE UNAUTHORIZED HARD INQUIRIES AN UNAUTHORIZED COLLECTION ACCOUNT ON MY CREDIT REPORT WHICH IS HINDERING ME FROM GETTING APPROVE FOR MY NEW HOME PLEASE HAVE THIS RESOLVED AND REMOVED ASAP.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One pre-approved my application for a XXXX card that gives a bonus points of XXXX points after spending {$4000.00} in 90 days. After completing the requirement, they put the XXXX points in my account. Two weeks after, they closed the account on XX/XX/2023. I intended to transfer the points to one of their airline partners ( XXXX XXXX ) but was not able to. Apparently, there was an activity in the past that they did not approve. But with due diligence, they should not approve applicants who they believe dont. conform with their policies. I believe the points I earned belong to me and if they dont. want us to do business in the future, thats their prerogative. 
They should restore my points and then they could do whatever they want.