davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-21
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)

I submitted a complaint earlier along with documentation to prove that Experian is purposeful and willful in miss reporting my Credit Score. I complained about XXXX XXXX XXXX And Experian and ever since I have tried to get proper help for removing information and mistakes on my credit report. I have been patient and even paid Experian several times to get their premium service. I have raised and lowered my balances on my credit cards and taken out loans to do what they suggested. They have shown that their reporting and scoring is not impartial. Please take a look at the documents I have included. I purposely paid off all my credit balances to show how Experian does hold some accounts in contempt. I had my score drop today because I paid off most of my XXXX XXXX card from XXXX. They said that I lowered my savings account. Experian does in fact take offense to complaining to your agency! I have included the documents! Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-30
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. (AZ)

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. This account is fraudulent and needs to be removed. XXXX XXXX {$7700.00}. Fact, The XXXX XXXX  XXXX XXXX is intended to inform consumers about the cost of credit. The companies above violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. The companies listed above is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The companies above has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. Fact, 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. The companies above has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. XXXX, XXXX is aware and has proof in attachment labeled as exhibit A and the companies above. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. The companies above has published an account they have of mine on the companies above. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Consumer complaint received 2020-03-21
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XX/XX/2019 statement. USAA BEGAN FRAUD INVESTIGATIONS WITH TEMPORARY CREDITS XX/XX/XXXX, FOR {$52.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND NEVER NOTIFIED ME WHEN THE INVESTIGATIONS COMPLETED. INVESTIGATIONS ARE REQUIRED TO BE COMPLETED WITHIN 60 DAYS. RIGHT? SO XX/XX/2019 THESE TEMPORARY CREDITS WOULD BE MADE PERMANET.?? HUH? PLEASE EXPLAIN USAA POLICY ON TEMPORARY CREDITS MADE PERMANET. I DO NOT UNDERSTAND ** HOW CAN THESE CREDITS EVER APPLY TO THE BALANCE OF XX/XX/2019 WHEN THEY ARE NOT MADE PERMANET UNTIL 60 DAYS LATER.???
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Request for Assistance in Removing Unauthorized Accounts from Credit Report Dear Sir/Madam, I am writing to request assistance regarding unauthorized accounts that have appeared on my credit report without my consent, in violation of consumer protection laws. Specifically, I am invoking the provisions outlined in 15 USC 6802 ( B ) of the Gramm-Leach-Bliley Act, also known as the " Opt-Out '' provision. 

According to this law, financial institutions are required to obtain consent from consumers before sharing their personal financial information with certain third parties. However, I have identified accounts on my credit report for which I did not provide consent for the sharing of my information. 

Furthermore, I believe that the inclusion of these unauthorized accounts on my credit report violates the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and fairness of information reported by credit bureaus. The unauthorized presence of these accounts not only misrepresents my financial history but also has a detrimental impact on my creditworthiness. 

I request the Consumer Financial Protection Bureau 's intervention to ensure that these unauthorized accounts are promptly removed from my credit report. Additionally, I seek your assistance in investigating the circumstances surrounding the reporting of these accounts and taking appropriate action to prevent similar occurrences in the future. 

The unauthorized accounts are as follows : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and take the necessary steps to rectify this situation. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-03-21
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: CITIBANK, N.A. (FL)

To whom it may concern, I have tons of old debts, collections, and charge-offs on my credit file. Some are very old that should have fallen off by now, and some that may show inaccurate amounts. I was turned down for being pre-approved for a va home loan. However, these old debts were calculated and mostly the ones I paid in full. 


1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX ( inaccurate dates ) account was opened XX/XX/XXXX in XXXX XXXX Utah located at the XXXX inside of XXXX XXXX 's building when I was in training to become a XXXX XXXX. Date is showing I opened this acct XX/XX/XXXX. This information is false. 
5. XXXX XXXX XXXX XXXX 6. Sears is still on my credit file after 8 years and payment in full. 
7. XXXX XXXX XXXX was supposed to settle this debt after the SCRA case was closed.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXXXXXX XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XX/XX/XXXXXXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX
Consumer complaint received 2021-06-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

please check the following accounts that appear in my report, without any authorization, are not mine Identity Theft BK OF AMER Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-18
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. (MI)

I checked my credit report recently and saw some items on there that I do not recognize. There are some negative collections accounts and inquiries that were not authorized to be printed on my report. This violates my rights as a consumer under the FCRA ( 15 USC 1681 ). I sent the company an affidavit stating these violations on XX/XX/2021 and it was received by them on XX/XX/2021. They said my information didnt match up the last time I contacted them so they couldnt do much but Ive since updated my info and I am exercising my right to have the items furnished by XXXX XXXX XXXX XXXX, and AD XXXX XXXX, along with the inquiries from clarity services and XXXX XXXX XXXX removed from my credit report, as I did not authorize or consent to them.
Consumer complaint received 2020-03-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I have a massive issue with my servicers. 
I HAVE A SCHEDULED FORECLOSURE SALE DATE SET FOR XX/XX/2020. 
I noticed on the news that Donald Trump said he will suspend all evictions and all foreclosures. 
I hope XXXX XXXX XXXX will abide to the federal orders. 
I recently had my loan transferred over from XXXX XXXX XXXX who Ive been working with to achieve a loan modification. On or around XX/XX/2020 I received a letter in the mail stating that my loan has been transferred to a new servicer SHELLPOINT MORTGAGE SERVICING. Ive been working and trying so hard for so many years now to receive a loan modification from XXXX XXXX XXXX and before that XXXX XXXX XXXX And not once have they worked with me and cared or tried to help. 
To this day I have not received a welcome letter from the new servicer Shellpoint Mortgage Servicing. XXXX XXXX XXXX still placed my home on a foreclosure sale especially while the transfer happened. This is not good because it does not give me any time to work with the new servicer to work out options let alone given any time what so ever to have a chance to be reviewed for a loan modification. 
XXXX XXXX XXXX and Shellpoint Mortgage Servicing strategically transferred my loan so that the time frame would just sell my home. 
If XXXX XXXX XXXX and Shellpoint Mortgage Servicing continues to foreclose on my property they will be in violation of the CALIFORNIA HOME OWNERS BILL OF RIGHT ACT and definitely other laws for wrongful foreclosure. Also the federal order that Donald Trump stated.
Consumer complaint received 2022-08-17
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: ID Analytics, Inc. (MN)

The following accounts listed on my XXXX XXXX Report is fraudulent and not my accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I did not apply for the credit card accounts. I have never had any account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (PA)

I contact the four major credit bureas and lexis nexis regarding a mortgage account that is on my credit. The credit agencies XXXX, XXXX, XXXX, XXXX responded that the information was accurate and updated the mortgage balance to 100 % more than the last amount I disputed. Now these reporting companies claim I won a {$790000.00} Home when I disputed it the home loan was only {$79000.00}. How did this increase over {$700000.00} which is clearly a mistake and is not my own loan. Lexis Nexis has feed records which these company claim that is what was used to verify however the deed records I disputed has an incorrect name!!!! Its not my name!!!!
Consumer complaint received 2018-03-29
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. (NY)

Equifax, XXXX XXXX XXXX are reporting on my credit reports that I am XXXX by listing my employer as " XXXX '' or " long-term XXXX '' and in doing so violates my right to have my personal health information/status protected under HiPAA. And also exposes me to discrimination by notifying creditors of my health status. 

No option is provided on either of the sites to remove this personal protected and privileged health information.
Consumer complaint received 2020-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MD)

A charge appeared on my account XX/XX/XXXX, the same day i lost my card. I didnt realize it was gone til later that evening. I disputed it and was issued a credit while they investigated. The end of XXXX i see the charge back on my account again. So i talked with someone and told them i wanted to challenge it. XX/XX/XXXX i check my balance and noticed the charge was added back on to my account again. Im upset at this point because its time for balance/payment info to go into the CBAs. This is the second month in a row my balance was reported high because of this charge. I checked the dispute area and found out that discover sided with the merchant because they provided a Grocery Receipt ... yes a RECEIPT!! Which doesnt prove anything, therefore it is not valid enough to base the final verdict for the claim. Ive pointed out several key factors to help the dispute. 1. The charge was made at a location Ive never shopped at before. 2. The charge was made outside of my city and 3. The charge was the highest amount ever spent off my card. Then The agent kept telling me to call in when i kept telling them i was sick and couldnt speak but no they kept being inconsiderate. Not only did they not investigate my issue, they sided with the merchant without proof. I even talked to someone on XXXX  and was lied to, she never helped me at all! She said i could message her the dispute issue instead of calling. I Never had any issues with discover, always paid my bill ontime and yet i get treated like this. XXXX WOULD NEVER TREAT ME THIS WAY!! Discover needs to take a page from them. I use my discover card more than my XXXX even though i have a XXXX limit with XXXX. Im So im appalled.
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (TX)

XX/XX/2020 over XXXX dollars was takennout of my acxount I called the government benefits card to report a unauthorized action as soon as it happen for them to close my account. Been waiting for my replacement card since XX/XX/2020 one person told me that yes my card was deactivated but that I never asked to send a replacement, I asked for the to send a replacement they transferred me the second person told me I never deactivated my card so why one person tell I did deactivated my card and the other said I never deactivated my card
Consumer complaint received 2020-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (CA)

Hello, I have a mortgage through BB & T Mortgage. I live in California. My husband and I are both out of work due to the state wide mandated COVID-19 Lockdown/ Quarantine. I am not being paid and have been forced to file for unemployment. 
I have tried to call BB & T bank to discuss our options. I have called every day since XX/XX/2020. I have spent multiple hours on hold and have left messages. No one has ever picked up the phone nor have they returned our calls. On BB & Ts website, it states in the FAQ that they will give a 3 month forbearance but at the end of that 3 months, they want you to pay the full amount due. That would be 4 months of payments in one lump sum? How can we possibly do this? This is not going to help us. We have never paid late on any mortgage loan. This company is not helping the community during this horrific time of loss. What they are doing is creating more stress and potential heath problems due to their lack of communication and unreasonable solutions. We have been mandated by our government to stay home. Its not our choice. Therefore, this issue is not our fault.
Consumer complaint received 2020-03-31
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. (AR)

Decided to make a big move to buy my first home. I knew I wanted to go into the first time homeowners program. Due to them being able to help you financially as I was sitting with my mentor he said my credit needed to be pulled. I knew I had good credit so I had no worries about that being the first step. Out of surprise a big list of accounts I have never ever seen or heard of in my life showed up. Those accounts do not belong to me. Please remove those things for my credit report. 

XXXX XXXX  XXXX XXXX {$4200.00} XXXX   XXXX {$6200.00}
Consumer complaint received 2020-03-31
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. (AR)

I was trying to trade my vehicle for a 2020, due to the fact that I have a old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that some one has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX XXXX {$170.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$850.00} DEPTEDXXXX   XXXX {$10000.00} XXXX/XXXX  XXXX {$4200.00} DEPTEDXXXX  XXXX {$4000.00} XXXX   XXXX  XXXX  XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-03-31
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. (AR)

I was trying to trade my vehicle for a 2020, due to the fact that I have a old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that some one has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX XXXX {$170.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$850.00} DEPTEDXXXX    XXXX {$10000.00} XXXX/XXXX  XXXX {$4200.00} DEPTEDXXXX  XXXX {$4000.00} XXXX   XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX {$0.00}