davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX account # 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 2022-04-17
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: CURO Intermediate Holdings (TX)

In accordance with the Fair Credit Reporting Act. 
The Following Account has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX - XXXX I have also issued a Validation of a Debt Request Pursuant to 15 USC 1692g They have refused and not complied accorfing to the declaration within the Debt Validation Request.

15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

I DID NOT GIVE CONSENT. THIS ACCOUNT IS UNAUTHORIZED
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

15 USC 1681 In accordance with the fair credit reporting act. The list of accounts below has violated my federally consumer rights to privacy and confidentally. XXXX Bank # XXXX, XXXX Bank XXXX # XXXX. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not turnish a account without my written concent. I havent gave anyone permission to report this. Please remove or delete these accounts.
Consumer complaint received 2022-04-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

My original home loan with XXXX XXXX XXXX  was refinanced with Freedom Mortgage in XXXX ( the two companies merged in XXXX of XXXX ) within 90 days after closing I received an Escrow surplus check explaining that the escrow was over paid. I am a XXXX XXXX XXXX veteran and in Texas I applied for homestead so my natural assumption was this had to be the reason for the $ XXXX check. Then I get penalties and and interest on a shortfall on my taxes and the company will not tell me the exact amount of my taxes or apply my 80 % reduction. I have continued to pay my mortgage and did a forbearance because they have been delaying a response on the amount of taxes owed with in accurate bills of over 5 times the mortgage in taxes. I have continued to pay the principle and more till the amount can be sorted yet they do not apply the payments and have marked my credit with late payments.
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MO)

I have contacted each credit company to dispute all of the incorrect information on my credit reports. XXXX particular items were fraudulent accounts that were not authorized by me. The items where included in a chapter XXXX however I disputed those prior to the bankruptcy. I dont feel those accounts should be reflecting on my reports. Its hurting my account and its not my debt.
Consumer complaint received 2023-06-26
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. (OH)

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 to be corrected immediately. The XXXX 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 or correct 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 XXXXXX/XX/XXXX
Consumer complaint received 2017-08-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (TX)

I received a notification on X/XX/2017 that a collection account was added to my credit report. I never received a dunning letter it was just added to my report. I was not given an option to dispute this account. I have never heard of this company nor have I done business with them.
Consumer complaint received 2022-04-17
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. (NC)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX, XXXX ( Acct # XXXX ), XXXX XXXX XXXXXXXX ( No acct # 's provided- amounts are {$100.00}, {$110.00}, {$220.00} ) has violated my rights.

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

15 U.S.C. 1681 Section 602A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am writing to express my extreme dissatisfaction with the inaccurate and damaging information contained in my credit report. A recent investigation has revealed numerous unverifiable, invalidated, inaccurate, and questionable items that your agency has failed to ensure are reported accurately. 

This negligent reporting has caused severe distress and XXXX, as I rely on my credit report for financial stability and opportunities. It is unacceptable that your agency has neglected its duty to ensure that all information reported is 100 % accurate, as mandated by the Fair Credit Reporting Act. 

Furthermore, it has come to my attention that the accounts in question are in direct violation of 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which stipulate the requirement for 100 % accurate reporting. This blatant disregard for federal regulations can not be tolerated. 

Attached are copies of all previous correspondence sent to your agency regarding these inaccuracies. I demand that immediate action be taken to correct these errors and ensure that my credit report is accurately and fairly represented. 

Failure to comply with this demand will result in further legal action, including but not limited to, filing complaints with regulatory authorities and pursuing civil remedies. 

I expect a prompt response to this matter.
Consumer complaint received 2022-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My Bank of America checking account was hacked on XXXX and {$41000.00} was stolen from my account via wire transfer. I filed fraud claim XXXX with Bank of America on XXXX. This claim was denied by Bank of America via a letter sent to me dated on XXXX. I closed this checking account and opened a new checking account on XXXX. On XXXX, new checking account opened on XXXX got hacked, {$50000.00} Debit withdraw from Bank of America in XXXX  XXXX and {$12000.00} via wire. {$62000.00} was stolen from my XXXX checking account this time. I filed fraud claim number XXXX on XXXX. This claim status is pending.
Consumer complaint received 2022-04-17
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. (HI)

Im filing a complaint against XXXXXXXX XXXX  for misleading and improper use of my credit report. 

On XX/XX/XXXX I called XXXXXXXX XXXX to inquire how a mortgage calculator works. My home 's mortgage company sent me there. While making a general inquiry with XXXX  they pulled my report without my clear knowledge of why and for NO VALID REASON. This resulted in the Hard Inquiry I'm disputing. I have written the company half a dozen times to complain, and have complained with all the Credit Bureaus 6+ times each. No one will listen to me and remove the invalid Hard Inquiry.

In no way was I seeking credit with XXXX XXXX or seeking any of their services. 



XXXX XXXX ssn XXXX birth XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2022-04-17
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (FL)

Today at around XXXX I purchased a gift card to add to my sons XXXX XXXX. I placed {$60.00} on the card. 

I got home, gave him his gift basket and we went on with out day celebrating XXXX XXXX 

My son decided he wanted to waste his money at XXXX XXXX  XXXX so we proceeded to the store. 

We got to the register to pay for his items and only {$0.00} was approved. The rest of the money was declined. 

I was confused and pulled myself to the side and checked the balance online. The balance was at {$0.00}. And the transactions showed that someone used the card for XXXX XXXX XXXX XXXX 

I was furious because that was an unauthorized transaction so I called the vanilla gift card credit card customer service telephone number and the rep I spoke to tells me that there is nothing I can do and if I wish to place a claim I would have to wait until 7-10 days when the transaction shows posted on their end. 

I asked why did I need to wait that long? I gave them {$60.00} and now my son wishes to spend it. and why can they check to see where the transaction happened? How it happened? And how something like this can happen? He had no answers for me but just repeating for me to call back in 7-10 days perhaps 8 days to file a claim so they can investigate the transaction. I told him if he can notate the file or request for a new card to be sent to me and to block that unauthorized transaction and I was quickly cut off by the rep when I was talking saying that he cant help me anymore and hung up on me. 

How can this happen so fast? How can someone just steal the card number so fast like this and of course why did it have to happen to me. 

I dont have much to give to my son and here I am having to explain to him how there are bad people in this is world robbing gold people that just want there kid to have a great XXXX XXXX and now he is going home empty handed. 

I was the company to do whats right and just give me back my money so I can give it to my son. 
For the company to have better customer service that doesnt lack professionalism when speaking to paying customers. To feel as they honestly would have our backs rather than a scammers back when things like this happen.
Consumer complaint received 2024-03-08
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. (OH)

I did some recent investigating on my credit report and noticed some err and inaccuracies and accounts that are mot mine and I want of deleted off my credit report. 

in accordance with fair credit reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % correct.

the credit reporting agencies stated that these account were properly investigated and came back as verified. HOWEVER. How is this true when there are several inaccuracies showing on my report.

I KNOW MY DAMN RIGHTS as a consumer, I request to know all steps to know all steps that your agencies took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.
Consumer complaint received 2022-04-17
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. (CA)

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 of 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 2022-04-17
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. (CA)

In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right of 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 2022-04-17
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. (CA)

I was added as an authorized user on this XXXX credit card on XX/XX/2022. I was told it would take 1-2 statement periods for the account to reflect on my credit report. I have spent hours on the phone with XXXX as well as transunion. This account is not showing on any of my XXXX credit reports. I was told that this has happened in the past and they dont have a resolution other than to close my account and re open a new one after several months. This is inaccurate reporting and is against the law. My information needs to be accurately reported or I will seek legal advice against XXXX ( XXXX XXXX ).
Consumer complaint received 2022-04-17
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)

i check my credit report and i see unauuthorized inquirys for equifax i file a ftc report they still want from them frm my report they are XXXX of them XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX all dis was not me
Consumer complaint received 2022-04-17
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. (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 XXXXXXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXL # XXXX, XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXXXXXX 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 2022-04-17
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. (TN)

My credit was rejected the day before closing on a house. The only new information that showed on my report after this happened was two reports by XXXX for accounts that belong to my son and daughter. Since it cost me a home purchase, I was disappointed that all three credit reporting agencies ( XXXX, XXXX, and Experian ) failed to validate that this was my account before adding it to my report. When I notified all three credit reporting agencies, XXXX immediately removed the two XXXX reports ; however, Experian is still waiting for XXXX to respond and XXXX closed the dispute, stating that they verified that the accounts are mine. XXXX has no intention of removing the XXXX accounts that do not belong to me and Experian may follow suit. These are apparently accounts for some type of lab that a doctor ordered for my son in XXXX and my daughter in XXXX. My son was XXXX XXXX XXXX and not covered on my insurance in XXXX and I would not have been with my adult son when he went to the doctor. My daughter was XXXX XXXX XXXX and covered under my insurance as a secondary insurance in XXXX, but I also would not have been at her doctor appointments either. Since I did not attend these appointments, and even my children would not have known whether the insurance would cover the lab work, I had no way of knowing that these charges existed. I have no idea why XXXX is suddenly adding my children 's bills to my credit report, or why they haven't reached out to my children or reported these on my children 's credit reports. I do know that the accounts do not belong to me and I did not know they existed, even my adult children would not have been notified if their insurance had determined a lab charge to be incorrect or not allowed. There is no logical reason for the XXXX credit reporting agencies to add these collections to my report, causing me to lose all of the money I paid toward inspections and appraisals on a home I was one day away from closing on. Currently, there is absolutely no way that XXXX could have possibly verified these account as belonging to me, yet they refuse to remove them ; and worse still, there is no way of knowing when the XXXX credit reporting agencies might decide to allow collection agencies to add someone else 's debt to my report again. XXXX does not have ads everywhere promoting their paid services, but XXXX and Experian do ; maybe to them, allowing these types of false claims will force consumers to pay for their premier services.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

After reviewing my consumer report, I noticed that I had some late payments on an account that I was never late for. The consumer reporting agencies have played a very important role and have the ability to report consumer information as accurately as passible. I have never been late on payments for XXXX XXXX XXXX account # XXXX. Please investigate and provide proof with statements showing me where these payments were late. If proof can not be established, I demand that these payments be updated to on time as they should be because I was never late I have also attached a screenshot of the dates of XX/XX/2023 showing my payments being 60days late. How are my payments 60 days late but the previous month on XX/XX/2023 my payments were marked on time. 

According to 15 U.S Code 1681 the consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. In this case this violates my rights because inaccurate information is being reported by a consumer reporting agency.
Consumer complaint received 2022-04-17
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. (TN)

My credit was rejected the day before closing on a house. The only new information that showed on my report after this happened was two reports by XXXX for accounts that belong to my son and daughter. Since it cost me a home purchase, I was disappointed that all three credit reporting agencies ( XXXX, Equifax, and XXXX ) failed to validate that this was my account before adding it to my report. When I notified all three credit reporting agencies, XXXX immediately removed the two XXXX reports ; however, XXXX is still waiting for XXXX to respond and Equifax closed the dispute, stating that they verified that the accounts are mine. Equifax has no intention of removing the XXXX accounts that do not belong to me and XXXX may follow suit. These are apparently accounts for some type of lab that a doctor ordered for my son  in XXXX and my daughter in XXXX. My son was XXXX XXXX XXXX and not covered on my insurance in XXXX and I would not have been with my adult son when he went to the doctor. My daughter was XXXX XXXX XXXX and covered under my insurance as a secondary insurance in XXXX, but I also would not have been at her doctor appointments either. Since I did not attend these appointments, and even my children would not have known whether the insurance would cover the lab work, I had no way of knowing that these charges existed. I have no idea why XXXX is suddenly adding my children 's bills to my credit report, or why they haven't reached out to my children or reported these on my children 's credit reports. I do know that the accounts do not belong to me and I did not know they existed, even my adult children would not have been notified if their insurance had determined a lab charge to be incorrect or not allowed. There is no logical reason for the XXXX credit reporting agencies to add these collections to my report, causing me to lose all of the money I paid toward inspections and appraisals on a home I was one day away from closing on. Currently, there is absolutely no way that Equifax could have possibly verified these account as belonging to me, yet they refuse to remove them ; and worse still, there is no way of knowing when the XXXX credit reporting agencies might decide to allow collection agencies to add someone else 's debt to my report again. XXXX does not have ads everywhere promoting their paid services, but Equifax and XXXX do ; maybe to them, allowing these types of false claims will force consumers to pay for their premier services.