davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-27
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. (AL)

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.

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 2023-05-19
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: EQUIFAX, INC. (OH)

I am a victim of identity theft and Equifax and XXXX 's data breach, and was not notified by Equifax and XXXX 's of data breach breach and discovered on my own. I reached out to Equifax and XXXX several time including via certified mail and never received a response back. The damages due to this serious action has left me vulnerably exposed to dangerous predictors and has caused me a extreme financial hardship due to my information that was compromised and used for open credit accounts, telecommunication services and fraudulently used to claim and report government benefits.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

My vehicle has been paid off since XX/XX/2023 and the credit bureaus have not updated my report causing me to not be able to apply for any type of loan or credit line increases. What baffles me is if it were bad debt it would have thrown on my report immediately. This practice is harming XXXX and XXXX people hindering us from improving our credit. This should not be a practice of the bureaus if its paid off why does it take 60 days to appear as such on my report and I was told several times that it takes up to 60 day but not actually 60 days it would be before they just gave the 50 day window. As I stated the vehicle was paid off in XX/XX/2023 there is no real reason this and to me this is discrimination. 

This is a practice I do not understand and I wouldnt understand the explanation behind it the vehicle was reported paid off by XXXX the lender.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

The credit bureaus stated that my file was properly investigated but how is this possible when my personal name and address is not correct. I have already attempted to correct the following issue with credit bureau. 

Incorrect names : XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX ; Incorrect address : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX Virginia XXXX ; XXXX XXXX XXXX XXXX, XXXX, Virginia, XXXX XXXX XXXX XXXX XXXX, Texas XXXX ; XXXX XXXX XXXX, XXXX, NJ XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, Texas XXXX This is grounds for removal they also violated my rights under 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 : States a consumer reporting agency agency can not furnish an account without my written instructions. 

Also the credit bureau took more than 30 days to complete my investigation.
Consumer complaint received 2023-03-31
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 this late payment updated from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Opened : XXXX XXXX Balance : {$5300.00}
Consumer complaint received 2018-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

formation on 3 items is shown differently across all three credit bureaus. I have sent multiple letters regarding this and for some reason they wont take it off. Estimated drop off was due back in XX/XX/2016 but still its shown on my report. I have specific account numbers and amounts that I can provide upon request.
Consumer complaint received 2023-03-09
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. (IN)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2021 ; XXXX XXXX  XXXX Balance : {$2300.00}.
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NV)

This is a follow up on XXXX complaints I filed with you, XXXX # XXXX and XXXX. On XX/XX/XXXX, XXXX from Citi XXXX XXXX XXXX called me. He told me to go to a local branch and fill out a W-9 and upon certification of the W-9, I would get the remainder of the bonus owed to me, {$200.00}. With his instructions, I went to Citi branch near me on XX/XX/XXXX and resubmitted the W-9 ( their claim of not having my W-9 was false. The branch manager found the one I filled out on XX/XX/XXXX when I opened my account ). On XX/XX/XXXX, XXXX from XXXX XXXX XXXX called and said that they received the certified W-9 but will not pay the {$200.00}. Their reason of " {$10000.00} of {$25000.00} is from Citi funds '' is a false statement. Attached are my four receipts of all {$25000.00} deposit that shows funds from non-Citi accounts, {$10000.00} from XXXX XXXX XXXX on XX/XX/XXXX, {$5000.00} from XXXX XXXXXXXX on XX/XX/XXXX, {$5000.00} from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, and {$5000.00} from SXXXX XXXX XXXX XXXXXX/XX/XXXX. I made XXXX from XXXX XXXX XXXX on XX/XX/XXXX, and with that he told me he would pay the {$200.00} after the W-9 was certified. This {$200.00} bonus was due by XX/XX/XXXX. This is long overdue and Citi XXXX XXXX XXXX is not keeping their promise.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (WI)

Goldman Sachs closed my credit card again and refuses to provide an explanation. They claim to have sent me a letter detailing the reasons, but I received no such letter. 

This is the third time doing so. I have a XXXX credit score. 

Since I am a woman I believe this is a violation of my rights under the ECOA.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX acquired my current Mortgage loan from XXXX XXXX effective XX/XX/2023, but XXXX is still sending and calling me to pay a mortgage payment for XXXX and XX/XX/2023. I pay all mortgage payments to XXXX, my current morgage lender, and I do not have an active account with XXXX XXXX. I should not have an open Tradeline with XXXX XXXX on my credit profile Also, I indicated to XXXX XXXX that I did not give permission for them to provider private information to any other parties I also, dont give any Credit reporting agencies to give my private information to any other 3rd parties ( per 15 US Code 1681b _permissible purpose- I did not and will not give written permission for any credit reporting agency to furnish my consumer report )
Consumer complaint received 2023-02-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

The account is an Estate account. The checking portion s with Bank of America, and the Estate Mutual Funds are with Merrill Lynch, the investment arm of BOA. I was advised that the two work together. 

Most transactions are done online, in a self-directed account, and when there is a problem, phone numbers are listed for both Merrill Lynch and BOA. Every single phone number results in a transfer back to a BOA representative, including when that representative transfers the call directly. BOA can not handle anything from ML, and it is only extremely rarely I am able to reach a ML rep. 

The delays have made the management of the Estate difficult and untimely. Most often, I have to visit a BOA branch directly to receive any service. 

Essentially, Merrill Lynch is not providing assistance to its customers. This appears intentional, as they do not have the means for customer contact. I have never had the problems establishing contact with a financial institution that I have with ML/BOA.
Consumer complaint received 2020-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NC)

This is in reference to a account with Amsher Collection Service ( Acct : XXXX ), this account belongs to XXXX XXXX XXXX XXXX XXXX and was a corporate account. I didn't sign or authorize a personal guarantee, so this should not be reporting to my personal credit. There has been no communication to the business to collect this debt. I will pay the debt on behalf of the business but not as long as it is listed and reported as a personal account.
Consumer complaint received 2023-05-27
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: Experian Information Solutions Inc. (MD)

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 Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$10000.00}
Consumer complaint received 2021-06-30
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: EQUIFAX, INC. (DE)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2021-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The credit companies is not complying to FCRA Section 611 Part ( A ) ( 1 ). By law they have 30 days to respond.
Consumer complaint received 2021-06-29
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. (FL)

These accounts are not mine and have never been mine. I do not recognize the items, I am victim of identity theft. I am very stressed out because I do not know what I can do in order to remove them from my credit profile. Its killing my financial side. Please remove them ASAP
Consumer complaint received 2021-03-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (CA)

I am in Covid forbearance but need help with my mortgage payments. The Money Source is claiming I have to pay the forbearance amount of {$12000.00} all at once and they are not able tack forbearance on the back-end of the loan like many mortgages companies are allowing during this pandemic. 
On XX/XX/2021 XXXX XXXX said I need to resume making payment and then file for a VA disaster modification. I called on XX/XX/XXXX ready to make a payment and apply for the VA disaster modification and she said I did not qualify. I am elderly with a XXXX XXXX and on a fixed income with rising expenses such as medical expenses, food, gas, utilities and taxes. My husband just lost his four XX/XX/XXXXdo to an XXXX and I now have to have thoseXX/XX/XXXX. This is just one example of our many problems right now. Not being able to get our mortgaged situation resolved during the Covid pandemic is causing me unnecessary stress. 
My mortgage interest is 4.85 % and with the new lower available rates which are under 3 %, I should be able to either 1 ) modify my loan to make the monthly mortgage affordable or 2 ) tack the forbearance on to the end of the loan like numerous mortgage companies are authorizing. I can complete the paperwork but because The Money Source stated I do not qualify verbally for a VA disaster modification, I am concerned we will lose our home. I am not sure why The Money Source is not offering simple programs like many of my friends and family in this same predicament with financial difficulties due to Covid19.
Consumer complaint received 2023-03-31
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. (AZ)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX XXXX  XXXX Balance : {$860.00} DEPT OF EDXXXX XXXXXXXX Balance : {$6300.00} DEPT OF EDXXXX XXXXXXXX Balance : {$9600.00} DEPT OF EDXXXX XXXXXXXX Balance : {$4200.00} DEPT OF EDXXXX XXXXXXXX Balance : {$4600.00} DEPT OF EDXXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} DEPT OF ED XXXX XXXX XXXX Balance : {$6300.00} DEPT OF ED / XXXX XXXX Balance : {$4600.00} DEPT OF ED XXXX XXXXXXXX XXXX Balance : {$2700.00} DEPT OF ED XXXX XXXXXXXX XXXX Balance : {$9600.00} DEPT OF ED XXXX XXXXXXXX XXXX Balance : {$4200.00} XXXX  XXXX Balance : {$27.00} XXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$2700.00}
Consumer complaint received 2023-03-08
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 XXXX Account # 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.
Consumer complaint received 2024-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (NY)

I had a modification specialist submit prior to Covid and after Covid. The only response ever received from phh mortgage was more request for bank statements, pay stubs, taxes, etc. The bank was never in contact with me but the specialist I hired requested the info from me I gave it asap. In XXXX of 2023 we hired a lawyer who filed another modification and again the bank just kept requesting more financial documents. I have called the bank multiple times never getting straight answers. The bank gives me the run around no matter who submits the modification. I have submitted everything they have requested numerous times. I feel I have been taken advantage of. I dont know who to trust. I have been trying to take care of this.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had tried to order a credit card from capital one but had to opt out because I had just recently lost my job. I paid {$65.00} towards it and they've only given me back {$40.00}. In no place or any where did it say if you decide to opt out your credit score will be effected. And they still owe me {$25.00}. 
Another incident that happened with capital one is that they wanted me to pay {$1.00} to get a loan from them and I kept trying to press back on My phone as fast as I could but I didn't understand how they've already gotten the information to charge my account. Which both incidents brought my credit score down when there was nothing in fine print or little print that XXXX bring you scores down and I am very curious as to how capital one had my information the second time.
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (WI)

I currently have an active Charter Communications account and I recently received a letter dated XXXXXXXX  from Amsher Collection Services Inc. stating I had an old balance of {$66.00} owed to Charter Communications. I figured this was a billing error on Charter Communications end, as these charges were not on any statements over the last few years, so I called Amsher Collection Services to dispute the debt. They were not able to give me any information on the debt and what it was from. They told me that I had to reach out to Charter Communications to get information on the debt. I called Charter Communications and they also were not able to give me any information on what the debt was from. I told them it must be a billing error then, because I have had active service with them for years and never once have they informed me of a balance due. I told them I would not be paying it until they could tell me what the balance was from ( as i had returned all equipment ). Even after disputing the balance with Amsher Collection Services, they went ahead and reported the balance to my credit reports and they have refused to remove it. They have only updated it with an incorrect partially paid status. I have called both Charter Communications and Amsher Collection Services multiple times to get this rectified, and they refuse to do anything about it. I informed them that they are leaving me no other option but to file compliants and lawsuits over this, which I dont want to do, but they still refuse to fix the issue. This never should have been reported to the credit bureaus if they didnt verify the debt and send me written notification on what the debt was for.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (IL)

Discover Bank insists that an account with my name is actually mine and it is not. I have submitted ample documentation in this matter to illustrate that this is in fact a result of identity theft and is not mine.
Consumer complaint received 2023-05-27
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: Experian Information Solutions Inc. (AL)

This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX A XXXX XXXX XXXX, AL XXXX XX/XX/, XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX : {$48000.00}, XXXX XXXX XXXX Balance : {$2900.00}
Consumer complaint received 2023-05-27
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: Experian Information Solutions Inc. (GA)

I disputed this bankruptcy on my credit file several times. I asked how was the information on my bankruptcy verified. The credit bureaus Experian and XXXX responded that they verified these bankruptcies with the court. I sent the court a letter asking how do they verify information with the credit bureaus. They responded and said that they dont not verify information with the credit bureaus or any entity for that matter. The courts response is also included in this report.