davidheineman/consumer-finance-complaints-large huggingface dataset:
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)

CLARITY SERVICES, XXXX, EXPERIAN INFORMATION SOLUTIONS , INC, 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 2019-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

Tried to book an XXXX through XXXX. Transaction didnt go through. And scammer called and said that I can XXXX the money and she would send me a confirmation email. Later found out it was a scam
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (MA)

I have recently checked my credit report and noticed that under public records there is a record of my BankRuptcy. the Credit Bureau are reporting a bankruptcy. The courts do n't verify that information that information was pulled from a third-party reporting therefore it needs to be deleted.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Saturday XX/XX/XXXX & Sunday XX/XX/XXXX, I attempted to log into the Experian credit reporting website. I changed my password so many times that now they are asking that I call them and give out sensitive information over the telephone. I tried to create new accounts with various emails ( XXXX, XXXX, XXXX, and XXXX ) and each time, I was told that an account already exists and that the username is XXXX. However, each time I tried to access my report or view my scores, I had to change my password, and right after I changed my password, and attempted to log in with the new password, I was LOCKED out and told that my brand new password was invalid. 

On Friday XX/XX/XXXX, I did have success and logged in to see my credit scores and found out that Experian had hit my scores with soft inquiries and lower my scores by XXXX points in 1 month. Soft hits do not impact the credit scores however, Experian did that! In XXXX my Experian score was XXXX on Friday, XX/XX/XXXX my Experian score was XXXX. 

I tried to dispute the address in my Experian file as reported that I have lived here since XXXX and I moved here in XX/XX/XXXX! 

The Experian credit reporting bureau is suffering some system wide hacking attacks and I am being victimized at this time!!
Consumer complaint received 2017-07-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I had an FHA loan with Bank of America ( BANA ), which was paid in full on or around   XXXX   XXXX  , 2012. It has come to my attention tha t BANA  over charged me interest for approximately 20 days. The attached payoff statement confirms that I was in fact assessed interest for the full month of   XXXX   2012, rather than just through the date of payoff.
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-03-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company (AZ)

Guild Mortgage is not helping with forbearance during covid repeated troubles with them. They refuse to be transparent in process. I wanted forbearance under CARES ACT. On their website it asks for written documents to prove need for forebearance. I was told we only need ATTEST of financial hardship under CARES act. So i never applied in beginning as of their lying website Almost impossible to reach loan servicer. Hours of waiting on hold which i think they do on purpose. Then phone hangs up many times and give up exhausted. Finally reached loan servicer who was snotty and said she can not promise if payments would be put to back of loan as I begged for and she said i may need to pay lump sum at end of forebearance which terrified me. So, frightened as to WHAT my future mortgage would BE i refused forebearance. Did not take forbearance for months as their web site has videos declaring need documents proof of exact hardship. Afraid they will foreclose. I want to put 3 months payment to end of mortgage they refuse and act very rude and make wait hold for hours. Contacting attorney general now. I can not trust Guild mortgage and heard they do this to many
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (OK)

In XX/XX/XXXX, we moved out of an apartment complex ( XXXX XXXX Apts ) with all rent and fees up to date and in good standing. 

There was no contact from them about any outstanding debts or rent owed. On XX/XX/XXXX, I receive a letter from National Credit Systems , Inc . They claim I owe {$630.00}, the price of rent from the apartments with the apartments listed as the client. I send on a dispute letter asking for verification. 

They sent another letter on XX/XX/XXXX where they said they are aware I dispute the amount and did not find sufficient evidence to support my claims. With this, they included a document which " itemizes the charges assessed by the original creditor '' this breaks down that rent was XXXX nd utility charges were XXXX, which match the rates at the time of leasing from them, but nowhere on the charges does it state which month this is supposed to be due for. 

I sent them a reply which asked which month this was supposed to be for and that I do not want to pay for something that was already paid for. My roommate of the time has bank records of all our months of paid rent and we could provide evidence but they do not say what this is for so we have no way to provide the evidence. The only date on the verification was our move out date, and our bank records have that month as paid. 

Next I received a letter from XXXX XXXX ( lawyer ) on behalf of the collectors. He just repeated the same information and I once again asked for more specifics. his first letter was XX/XX/XXXX. 

On XX/XX/XXXX, after asking for the specifics of the debt to be able to counter their claims, I received another letter from XXXX XXXX notifying me that their client was willing to settle at substantial savings to me. I replied that I was willing to settle for {$0.00} and to have the matter taken off my credit report as I still believe this is not something I owe and proof of what month this is for was still not provided. They have not responded since.
Consumer complaint received 2016-06-16
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: IMC Capital, LLC (IL)

XXXX mailed unsolicited pre approved credit card for {$150000.00} available credit XXXX and to call XXXX to activate to me received XX/XX/2016 ... .credit card enclosed in envelope for account XXXX ... no such account exists or ever existed. XXXX has a history with XXXX ... request action against XXXX. 

XXXX, IL XXXX
Consumer complaint received 2017-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

I refi last year with XXXX, at COE they stated on there title that the 2nd partial claim would be removed, closed escrow. Now tried to go back and lower rate and finding out that XXXX, which is underwriting by XXXX, is showing the 2nd is first position now putting us in a position of not being able to get any at shellpoint to help us out, the 2nd is also now showing in first position but title insured only shellpoint on the property in first position. This is causing us to have to possibly sell our property due to this huge error. 
Please advise. Thank you.
Consumer complaint received 2017-07-19
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. (UT)

I have disputed this account many times with all  XXXX  credit bureus. This account has never been verifiable and is reporting different account statuses and amounts on each one of my reports.  XXXX  shows {$6500.00} and closed  and Transunion s hows {$6500.00} and open. By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is inaccurately reporting me to collections. I satisfied this account back in XXXX and this collection agency actually deleted this account in XXXX due to me fulfilling my obligations. Please see the attached document showing proof of my final payments to XXXX in XXXX. This account suddenly started to report on my credit again as of XX/XX/XXXX. This is a complete false reporting and XXXX  took advantage of me and my finances. Please delete this account right away!
Consumer complaint received 2016-05-26
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL (CO)

I got a carcar card for a downpayment on a car that I got XX/XX/2015 the amount it was for was for XXXX and I never got billed for it at all I pulled up my credit report and came up there for a total of XXXX it was through synchrony bank and they sold it to a third party collector called XXXX XXXX XXXX a collation company I contacted synchrony bank and they told me they had never billed me because did n't have my apt number or phone number. I am well aware that I have to pay the amount of XXXX.
Consumer complaint received 2023-05-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

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 reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MD)

I comprehend that as per FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I've observed discrepancies in several listed accounts, which is worrisome to me.
Consumer complaint received 2024-03-22
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-11-14
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 am a natural person, i am a living human being, i have rights under 15 USC 1681. Equifax is govern by 15 USC 1681, and they violated my rights numerous of time. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-04
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. (NY)

I sent a letter on XX/XX/22 to Equifax to remove the account below that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/22. Ive already included this in my previous Complaint XXXX & I am including it again. 

XXXX XXXX
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (KS)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-05-13
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: Experian Information Solutions Inc. (IN)

On XX/XX/XXXX and XX/XX/XXXX of XXXX, I filed a dispute with XXXX, Experian, and XXXX addressing incorrect information in my credit report, specifically regarding the following items : I'm reaching out because XXXX, Experian, and XXXX are messing up my credit report. They're breaking the rules of both the Fair Credit Reporting Act ( FCRA ) and the CARES Act, and I urgently need your help. 

When COVID-19 made things tough for me, I got an accommodation agreement to ease my student loan with DEPTEDXXXX & XXXX XXXX XXXX The CARES Act and 15 US Code 1681s2 ( F ) state that during this period, my loan should be reported as current, but XXXX, Experian, and XXXX is wrongly labeling it as late. 

Plus, they're not handling my complaints about negative accounts correctly. The law, specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) and 15 U.S.C. 1681i ( c ), says that they need to fix or remove any wrong or unverified details after a dispute and clearly mark any disputed information in future reports. But they're not doing this. 

Even more, XXXX, Experian, and XXXX isn't following the rule of 15 U.S.Code 1681e ( b ), which says they should take reasonable steps to make sure my credit report is as accurate as possible. This is not happening. 

Because of XXXX, Experian, and XXXX 's wrong actions, my credit score is taking a hit and it's getting in the way of my future financial plans.
Consumer complaint received 2016-04-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (CA)

I was given credit for dental work by Care Credit and and saw a dentist for XXXX in 2013. Care Credit never once sent me a bill for the amount owed ever, no way was offered to pay the bill, then after twelve months they closed my account as a right off and sent it and a collection agency. They also reported me as delinquent to credit bureaus yet never once sent me a bill to pay or statement that my account was past due. I allege violations of law and bad faith on part of Care Credit. I want to delinquency to my credit reversed because I was never sent a single bill or even past due notice before my account was closed and sent to a collection agency. I also ask that Care Credit be held accountable. 

Care Credit engaged in deceptive practices and acted in bad faith by never sending me a bill and failing to notify me my account was delinquent or being sent off for collections.
Consumer complaint received 2023-02-12
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. (NY)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. However, its been 30 days and the credit bureau has failed to send my investigation back XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 2021-06-18
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. (OH)

I have not received any verification on how you received the alleged accounts attached in Exhibit C. And therefore request that you consider this final notice to your offices. Past this point the FTC & CFPB authenticated my sworn testimony on my end. Which I will definitely present to The Courts if need be as evidence of me trying to get this situation resolved and rectify this subterfuge that you are reporting. 
I have not received confirmation nor a Testimony that your offices complied with the FCRA and its mandated rules when it comes to reporting accurately in 15 USC 1681 when it comes to accuracy and fairness when reporting. In which I did not validate nor give my consent for any of your companies to share my personal information to any bureaus or third party companies which are also violations. USC 6802 ( a ) & b & 15 USC 1692 ( d ) therefore you are to present me with a certificate testimony and copy that the alleged accounts in Exhibit C are Valid and not subterfuge. 
XXXX XXXX COPIED FROM AFFIDAVIT ATTACHED ) *******
Consumer complaint received 2024-03-28
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. (FL)

I disagree with the accounts listed below which still appears on my credit report ; even after your Investigation. Iw ould like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score : XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) and XXXX XXXX XXXX XXXX ( Account # XXXX ). In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection! -D, please provide the names and business address of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2015-08-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have been a victim of identity theft. A credit card was opened in my mother 's name using my birthdate, but the year she was born and my social security number. This credit card account was opened XXXX years ago ( XXXX ) when I was XXXX years old. The following year she passed away. ( XXXX ) I found this out on XXXX/XXXX/XXXX when I noticed money missing from my bank account. There is a levy on my bank account and it is frozen. 
I contacted capital one 's lawyer on XXXX/XXXX/XXXX, I was told that I will receive documents in the mail that would need to be signed in sent back, for them to start a fraud investigation. But I still have n't received anything. 
I need to prove I am innocent. I was minor at the time and this was done without my knowledge.
Consumer complaint received 2022-11-14
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. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX has violated my rights. 

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

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