davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: 1st Franklin Financial Corporation (AL)

XXXX XXXX XXXX, 1st franklin financial XX/XX/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 first franklin financial XX/XX/XXXX, these are the unauthorized and unverified inquiries made on my credit profile under experian these are a defamation to my character i am trying to buy a house. Accrording to the fcra these unverified and unauthorized items must be removed as soon as possible. transunion unauthorized and unverified inquiries are twr ln-sys XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, these are a defamation to my character as well and must be removed as they are unauthorized and unverified per the ncra. Law 15 usc 1681 ; The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2019-09-24
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

According to state revised code : The Capital One account in this complaint is a business account and should not be on my personal credit report. I'm requesting assistance with helping the credit bureaus resolve and remove the account in question within 30 days.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-05-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

RIGHT PATH IS ATTEMPTING TO FORECLOSE ON MY HOME WITH A FRAUDULENT ASSIGNMENT. THE DOCUMENT IS ROBO SIGNED, THE HAVE ALSO VOLATILIZED FEDERAL LAW BY CARRYING OUT FORECLOSURE WHILE LOAN A MODIFICATION AND MORTGAGE ASSISTANCE WERE BEING NEGOTIATE. XX/XX/2023 THE SENT A NOTICED THAT MY ASSISTANCE REQUEST WAS DENIED. MEANWHILE THE FORECLOSURE WAS STILL IN PROGRESS. THIS IS DUAL TRACKING AND THAT IS AGAINST FEDERAL LAW. NATION STAR DOSE NOT HAVE LEGAL STANDINGS TO FORECLOSURE ON MY PROPERTY. THE TRANSFERS OF TITLE ARE FRAUDULENT AND FRAUD CANT BE THE BASICS OF OBTAIN A DEED. I ALSO SENT 2 QWR AND NEITHER OF THE MY REQUEST WERE RESPOND TO. THEY REFUSE ALSO THE SEND THE CURRENT MORTGAGE STATEMENT AFTER MY HUD REP REQUESTED THEY ALSO ACCEPTED 2 PAYMENTS FROM WHILE STILL PROCESSING A FORECLOSURE FOR XX/XX/XXXX XXXX
Consumer complaint received 2023-02-16
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2020-08-16
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: EQUIFAX, INC. (OH)

THERE ARE HARD INQUIRIES ON MY REPORT THAT I DID NOT AUTHORIZE : 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 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/23 XXXX XXXX removed my credit card from transunion and my score dropped XXXX points the credit card is still active, in good standing and currently reporting on all other credit bureaus. I called transunion on XX/XX/23 and they said I needed to contact XXXX XXXXXXXX if I wanted it added back I then called XXXX XXXX and they gave me intrusions on where to mail the request and what information to include in my letter I then sent the letter out that same day to XXXX XXXX asking them to add my credit card back to my transunion and I havent heard back about it I did a follow up call last week and no one could tell me anything I need this resolved swiftly
Consumer complaint received 2024-01-07
Product: Credit 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 (MN)

I paid off my balance in full in XXXX, in XXXX they took a {$600.00} automatic payment even though the balance was XXXX. I just received a bill that says I owe {$6000.00} they say it was transferred to my checking account but they cant give me a date or a transaction number. They are insisting I make a payment to avoid late fees and a hit to my credit score
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

XXXX XXXX XXXX XXXX. I did not say this was my account. But this was an automobile loan and Arkansas Statue of Limitation Law say it can only be on your account for 5 years. the Last payment was received XX/XX/XXXX. 

XX/XX/XXXX, I spoke with XXXX a representative for Experian. I informed him about Arkansas Law and their refusal to remove this information from the account. FCRA law from not state and they say it 7 years negative and positive 10 years. 

I read Appendix E to Part 1022Interagency Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies. I did not locate anything about status of limitations. 

I did locate this information information regarding Arkansas Laws : Contracts Written : 5 yrs. 16-56-111 ; Oral : 3 yrs. 16-56-105 Collection of Debt on Account 3 yrs. if not written or under seal 16-56-105 Judgments 10 yrs. 16-56-114 I am asking for your help with this matter. Experian is just trying to bet people to purchase their extra membership plan. I am trying to buy a home/car and this is affecting my ability to do so. I am planning on retiring and they are willfully hindering me. 

Experian had their system breech. The should provide free credit mornitoring. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AR XXXX, XXXX.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

I was trying to get my home loan refinanced at the lower credit rates. The loan officer said my credit report shows my home was in forbearance from XXXXl-XX/XX/2020. I was never in forbearance and my payments were automatically coming out of my checking account the XXXX of every month. I never agreed to forbearance and all my payments were made on time. I checked with Bayview Loan which is now Community Loan Servicing and confirmed I never missed a payment. I never signed anything to that effect. 

The problem is that my credit report shows I had a XX/XX/XXXX balance every month and the bills were all paid on time from my checking account. However the " forbearance '' was never used or instituted and it is affecting my credit scores and is hindering my ability to obtain a loan until this is corrected on my report.
Consumer complaint received 2023-03-28
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. (FL)

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


1. XXXXdept of ed # 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 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 moreover 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 2023-07-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc. (MI)

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 reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately! 



By law Delete all incorrect information and accounts listed in the document below from my consumer report immediately as it is hindering me and should not be reported on to my consumer report and violates several laws under the FCRA and FDCPA.
Consumer complaint received 2023-03-07
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. (VA)

Please be formally inform of the wrongly reported accounts I have indicated below. These accounts and inquiries are destroying my credit reputation. The account listed below are not mine. I have no idea why they were listed to my credit report. I surely believe that this is a FRAUD or either somebody with the similar name. This is my FTC Report Number : 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 2023-02-16
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. (GA)

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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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 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 2023-07-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have disputed bankruptcies being listed on my credit report for almost a year. The courts have replied that they are not reporting or verifying these account with the credit bureaus nor anyone else but I keep getting responses that they are verified. Now they are going as far as stating they have been previously verified. This makes no sense because the response from the XXXX who XXXX stated they used for verification says they removed the XXXX XXXX  because it could not be verified. They are also stating that the information they use to verify is with a previous address associated with my name and the last 4 digits of my social security number. The problem is that the address in reference should have been removed from my do to its association with fraud and is not my address. These lack of compliance methods of verification are highly illegal. I have attached the response letter from my XXXX XXXX complaint for verification. What makes matters worst is that they are refusing to remove other accounts associated because they are stating that they are associated with a Bankruptcy that is not verifiable. This needs to be corrected immediately and not addressed in with stalling responses. 

There is also a 30 late payment that is clearly inaccurate that need to be removed from XXXX  ( XXXX XXXX XXXX ). I have requested it be updated to accurately reflect my history and they continue to respond verified. I know this is not true because I have a written record from XXXX confirming that they request that all the bureaus be updated to show paid in full/never late. I am attaching this letter as well.
Consumer complaint received 2017-02-28
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I received Courtesy call from Capital One on XX/XX/2017 at XXXX.I was informed that I was speaking to Customer Service , Representative-XXXX, EID # XXXX. I was confused in receiving a courtesy call concerning, a late payment of {$58.00}. When I paid, a payment of XXXX on XX/XX/2017. At time of making this payment, I asked the customer service representative-XXXX when are the payments due. XXXX stated XXXX of every month, beginning XX/XX/2017 in the payments amount of {$25.00}. However, I received Capital One Card on XX/XX/2017. I begin using the card in month of XX/XX/2017. I applied for this card in rebuilding of my credit, so making my payments, correctly and on time is very important to me, in establishing my credit. Anyhow, I received conflicting information from XXXX, stating a payment of {$25.00} was due in XX/XX/2017. I stated a payment was paid of XXXX on XX/XX/2017. Then XXXX, stated a balance of {$8.00} and missed payment of XXXX for XX/XX/2017, plus payment of XXXX ( increase payment due transactions applied in XX/XX/2017, in reaching my card limit of {$300.00}, with a later fees of {$11.00}? ) .I immediately, ask to speak to supervisor. I was on hold for 5-10 minutes, I then was introduce to a supervisor, name ; XXXX, EDI # XXXX. XXXX, stated conflicting information from XXXX. XXXX stated the payment made on XX/XX/2017 of {$50.00} did n't go through and was therefore a missed payment also, no payment was due for month of XXXX? The payment was paid by Master Card/Debit Card through XXXX Prepaid Master Card. This is card reflects, my direct deposit and where my semi-monthly pay checks are deposit. I get paid on the XXXX and XXXX of each month. Therefore, the funds for payment of {$50.00} was in the account. I asked, why am I being notified on XX/XX/2017 about the {$50.00} missed payment. I was given, a poor excuse of a business practice and customer service, due to billing cycle, the missed payment was register on XX/XX/2017. As a problem with payment, then the account was place in call dailer to contact me with courtesy call. Concerning, my payments being 7 days pass due, however within 30 days of not being reported to credit bureaus. I informed XXXX, again this is poor business practice and unsatisfactory customer service. At least, Customer Service and Supervisor, should have the same information to be reviewed and stated to customers. I am sadly, disappointed with Capital One. I 'm requesting this matter be reviewed and addressed, so know one else will become a PREY in wanting to rebuild and establish a better life by being credit worthy. My Best, XXXX
Consumer complaint received 2021-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NY)

In XX/XX/2016, I purchased two blouses and two pairs of pants from XXXX for my wedding and associated events for {$120.00}. When I received the packaging, it was heavily soiled and damaged ( see pictures ). Given the quick turnaround to the wedding, I needed to keep one set of blouse and pants and sent the second set back. After returning the items, I was only credited {$8.00} and was never given a satisfactory explanation as to why. After deducting the {$76.00} ( the total value of the returned merchandise ) from the {$110.00} adjusted balance, I sent a check for {$37.00} ( see check # XXXX ) received before the XX/XX/16 due date. Since then, the balance has grown to {$260.00}, and the account has been transferred from XXXX/Comenity Bank to XXXX XXXX XXXX, XXXX. This balance is not correct, as I paid off everything I actually owed with check # XXXX.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

Good afternoon I am writing to file a complaint about XXXX XXXX credit card. I have two XXXX XXXX credit cards. I am very frustrated with there credit reporting. I have mad multiple disputes about showing two late payments for the same two months on both of my cards which is inaccurate and I also just paid off these cards and one card showed the balance went to {$0.00} after I paid it then two days later back up to {$310.00}. Their credit reporting is very inaccurate and frustrating and is hurting me as a consumer damaging my credit for their inaccuracies that they will have yet to fix multiple disputes later. I would like my balance to show my REAL balance of {$0.00} since I paid them off and to remove the two late payments off of both my credits cards right away.
Consumer complaint received 2023-07-14
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: Experian Information Solutions Inc. (NV)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.
Consumer complaint received 2024-02-22
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. (NJ)

To my complete and unbiased knowledge ( * XXXX XXXX XXXX * ) has a responsibility to ensure accuracy and completeness on ANYTHING you are reporting on me pursuant 15 U.S.C. 1681. Having the understanding and position, I am requesting that you forward me any supporting or justifying documents you have on my file allowing you to report this alleged eviction.

I am expecting a response from you within 30 days from the dat you receive this letter. If said documents can not be produced, please delete these evictions from my report immediately.
Consumer complaint received 2023-03-28
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. (CA)

I recently found out i had some fraudulent accounts on my credit report. i contacted the police dept as instructed by the bureaus. then i sent them proof, but they still wouldn't take these accounts of my credit report.