davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2022-05-22
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Planning for retirement we acquired a rental property. 
From XXXX to XXXX we operated the property without any problems The property was serviced by Countrywide. ( The biggest lender at the time ) In XXXX Countrywide collapsed and was acquired by Bank of America. 
We lost our jobs and defaulted on the BOFA Loan. 
As soon as we regain employment, we filed a Loss Mitigation Application. 
We endlessly faxed updated financial documents to BOFA, but, NO MODIFICATION WAS PRODUCED BY BOFA. ( see attachments ) We were invited by BOFA to a new department called : " Loan Modification Made Easy " ( see attachment ) We endlessly supplied updated financial documents that Dept., but NO MODIFICATION WAS PRODUCED BY BOFA. ( see attachment ) Reading the attachments it becomes obvious, the Modification of this Loan was intentionally delayed by Lenders in order to take a bigger bite into the equity of the house.

The Mortgage Debt Soared by 50 %. 
In XXXX " The Inflated Loan ", was transferred by its owners, to XXXX XXXX  XXXX. 
At this point the THE DEBT INFLATED BY BOFA was now ready to be modified by XXXX in a matter of weeks. 
This Fraudulent Manipulation, made this mortgage unmanageable. 
Today we are being threatened by Foreclosure and Deficiency Judgement.

We are going to take Legal Action if this issue is not solved here.
Consumer complaint received 2023-07-16
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: Resurgent Capital Services L.P. (TN)

I have no idea what kind of credit card XXXX XXXX XXXX  issues. My identity has been stolen, I lost my wallet a few years ago & made a police report due to my debit card being used and cell phones being applied for under my social security number. I also had not been contacted about this debt nor had any knowledge until I pulled my credit report. Apparently, the debt was sold to a third-party company that purchased charged-off accounts in bulk for pennies on a dollar in hopes of collecting a debt. I have not been contacted before being charged off nor sold to this company. I will speak with an attorney if this debt isn't removed.
Consumer complaint received 2022-05-22
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. (SC)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (MI)

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 2019-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

Reporting inaccurate information to all credit reporting companies. Never made contact by mail nor a phone call which is in Violation of the FCRA, Violation of the FDCPA ; and Defamation of Character. Original account holder XXXX XXXX, amount {$1000.00} open date XX/XX/2019.
Consumer complaint received 2024-02-16
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. (FL)

I have found numerous accounts on my credit report that I did not authorize ; pursuant USC Title 15 1681, these accounts need to be removed immediately. I am writing to request immediate federal intervention regarding this unresolved, fraud of identity theft on my credit report by : XXXX XXXX XXXX XXXX XXXX, Experian Information Solutions Inc., XXXX XXXX XXXX XXXX. The fraudulent accounts remain on my report. This negligence violates my rights under the FCRA and continues to inflict financial harm.
Consumer complaint received 2022-05-22
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 (CA)

XXXX XXXX  CAPITAL ONE AUTO XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX all of these companies hit my credit report by hard pull multiple times in a single day and on many different dates creating some ungodly amount ( 30 ) of inquires on my credit report. All of these unauthorized pulls dropped my score tremendously to a point that puts me in a extremely poor position for a mortgage. I mailed each a detailed letter XX/XX/2022. No reply.
Consumer complaint received 2022-05-22
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: TD BANK US HOLDING COMPANY (CT)

There were a number of fraudulent charges made on the card. TD Bank Fraud division recognized several as fraudulent and reversed those charges as well as cancelling the card and issuing another. The Fraud Dept representative advised they would look into the remaining dispute charges. All undisputed charges were paid in full. I memorialized all conversations in a follow-up writing to TD Bank.

I received a letter from the Fraud Dept. telling me all disputed charges were reversed.The next TD Bank statement included the disputed charges with interest and fees. I called the Fraud Dept. and was told to ignore that billing as all were resolved in my favor. Meanwhile I received a notice from one credit reporting agency that my credit rating had been significantly down-graded due to the TD Bank dispute.

I wrote TD Bank several letter throughout this period as well as phone calls. The letters were ignored and monthly statement continued to accrue interest and penalties. On one occasion, the fraud department ( in a phone call ) agreed to drop all suspicious charges but one ( 1 ) and agreed to re-investigate this last remaining disputed charge. That was three months age. No results on the follow-up but the statements continue unabated.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I've contacted the Credit Reporting Agencies several times both via phone and mail to see why discharged accounts are still be reporting to my credit report. Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT. 

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility or reporting maximum accuracy to my consumer profile. 

These inaccurate accounts being reported are severely impacting my ability to obtain credit
Consumer complaint received 2022-05-22
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 XXXX  Account 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 a account without my written instructions
Consumer complaint received 2022-05-22
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)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2015-07-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Here is what I sent : Dear Sir : You need take all of the following off my credit report. It is required by law to eliminate after 6 years ( Colorado ). Needs to be removed from credit report / much misinformation as shown below / 6 years past communication with creditor per Colorado statute : XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX All payment stopped / never made - XX/XX/XXXX ( Past 6 years ) XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX Payment stopped XXXX, XXXX ( Past 6 years ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Missed payment / XXXX XXXX XXXX Past 6 years ) XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX Payment stopped XXXX XXXX XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX All payments stopped XXXX, XXXX ( Past 6 years ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Missed payments All Payment stopped XXXX XXXX, XXXX ( Past 6 year ) XXXX XXXX XXXX, XXXX XXXX Missed payments All payments stopped XXXX XXXX, XXXX ( Past 6 years ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missed payments All payments stopped XXXX XXXX, XXXX ( Past 6 year ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missed payment All payments stopped as of XXXX XXXX, XXXX XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX Missed payments All payments stopped as of XXXX, XXXX ( Past 6 year ) XXXX XXXX XXXX, XXXX XXXX Missed payments All Payments stopped as of XXXX XXXX, XXXX ( past 6 years ) This is the second request. Respond to my request. 
Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX , XXXX XXXX, Co XXXXPrevious address : XXXX XXXX XXXX XXXX, XXXX XXXX, Co XXXXMost if not all of this issue is 7 years or older. Also live in Colorado and I understand it is 6 years for things to be removed. I have not talked to or made any agreements with any bank or organization.
Consumer complaint received 2022-05-22
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. (LA)

The Dept of Education has used illegal/unlawful re-aging tactics, to have closed debts remain on my credit report passed the federally allotted time. The DOFD ( date of first delinquency ) or the date that this account became 30 day late and no other payment was made was six months and 30 days, after recieving my degree, which would make the DOFD of the account XX/XX/XXXX. This means that this account should have been removed XX/XX/XXXX. It has not been removed because the U.S Dept of Education has re-aged the account to reflect a DOFD of XXXX. This is not only agregious but illegal and I want this account removed Immediately.
Consumer complaint received 2019-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

On XX/XX/2019 Sears Mastercard by Citibank charged me {$5800.00} in deferred interest for two promotional items that were paid off prior to the promotional expiration dates. The first promotional item was paid off on XX/XX/2019, 19 days prior to the XX/XX/2019 promotion expiration date and the second promotional item was paid off on XX/XX/2019, 6 days prior to the XX/XX/2019 promotion expiration date. I specifically allocated payments for these two promotional periods. This deceptive and abusive act put me over my credit limit and severely impacted my credit resulting in a 36 point decrease in my credit score. After two calls to speak with a supervisor, the creditor  eventually reversed the fees, however the damage to my credit had been done, and over a month later my credit is still impacted. This creditor 's mismanagement also negatively affected my ability to refinance my mortgage which I had planned to do while the rates were historically low. The high balance reported to credit bureaus from XX/XX/2019 to now has still not been corrected. This is the second occurrence since I opened the card that this creditor has incorrectly charged deferred interest for promotional items. I believe this is a violation of the federal consumer financial laws.
Consumer complaint received 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer for reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-22
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. (NY)

In accordance with the Fair Credit Reporting act XXXXXXXX  Account XXXX XXXX  XXXX, XXXX XXXX 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
Consumer complaint received 2022-05-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Specialized Collection Systems, Inc. (TX)

I started to receive debt collections and notice on a debt I wasn't aware of. XXXX XXXX never sent a statement or called me about the balance. I don't mind paying the balance and would have paid it if I knew about it. I want this collections off my credit report.
Consumer complaint received 2022-05-22
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. (OH)

I have been disputing this item ( s ) numerous times and the credit bureau refuse to investigate the item properly. The credit bureaus are refusing to send proof of the investigation when I ask, and are illegally accepting verification from the creditor. 

There is also a bankruptcy reporting on my credit file that I did not file. 

I have submitted FTC and police reports numerous times as well, Please help.
Consumer complaint received 2023-10-06
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: Experian Information Solutions Inc. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

Charges to my " Checking Account '' charged in 2 consecutive months for unauthorized charges from " XXXX XXXX '' on debit card that was in the hands of the owner, who at the time of the charges incapacitated and unable to authorize these charges. The first charge of {$400.00} was not noticed, and it occurred on XX/XX/2022, until the second charge of {$430.00} on XX/XX/2022 was reconciled by checking ( a financial account ) against another for accuracy. Contacted the fraud department to give them an unauthorized response for the charges verbally several times. When contact was made verbally, filed the compliant and was told via written response that their thorough investigation had proven that they had enough documentation to deny to the un-authorization and they would be mailing a copy of the documentation they used to formally deny the claim to the residence of the claimant ; which to this day has not happened or been received. The total amount of {$830.00} is very substantial amount to have been taken unauthorized. I responded to the written denied letter with a letter written XX/XX/2022 with a cc copy going to my lawyer, requesting an appeal to their decision and I have not received a response.
Consumer complaint received 2024-02-16
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. (IL)

i have requested the following companies to furnish any contracts and proof that of responsible party to obtain credit under my identity file XXXX XXXX. XXXX XXXX XX/XX/XXXX - {$250.00} XXXX XXXX XXXX $ XXXX {$480.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX- XX/XX/XXXX, XXXX {$640.00} XXXX XXXX XXXX- XXXX {$460.00} XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX- XXXX {$500.00} REOMOVE UNATHORIZED INQUIRES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX  XXXX {$300.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$640.00} REMOVE UNAUTHORIZED INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX. XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX {$300.00} UNATHORIZED INQUIRES XXXX  XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX  XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX
Consumer complaint received 2022-05-22
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: ALLY FINANCIAL INC. (CA)

ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of these companies hit my credit report by hard pull multiple times in a single day and on many different dates creating some ungodly amount ( XXXX ) of inquires on my credit report. All of these unauthorized pulls dropped my score tremendously to a point that puts me in a extremely poor position for a mortgage. I mailed each a detailed letter XX/XX/2022. No reply.
Consumer complaint received 2022-05-22
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number 64510 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 XXXX not furnish an account with my written instructions.
Consumer complaint received 2022-05-22
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: WELLS FARGO & COMPANY (OH)

I have been disputing this item ( s ) numerous times and the credit bureau refuse to investigate the item properly. The credit bureaus are refusing to send proof of the investigation when I ask, and are illegally accepting verification from the creditor. 

There is also a bankruptcy reporting on my credit file that I did not file. 

I have submitted FTC and police reports numerous times as well, Please help.
Consumer complaint received 2023-02-06
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. (CA)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update this account completely from my XXXX XXXX : XXXX XXXX Date Opened : XX/XX/2006 Balance : {$0.00}
Consumer complaint received 2022-05-22
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number 64510 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 XXXX not furnish an account with my written instructions.