davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANC ONE MORTGAGE CORPORATION (CA)

Hello, my name is XXXX XXXX XXXX took loan application as a primary residence occupancy loan. They have arbitrarily changed my loan to a secondary without my consent, in addition new rates and fees have been applied including interest rate and insurance. 
My contract was based on a occupant for a primary residence. Im being forced and ignored. 
My loan number is XXXX with banc one Mortgage corporation The purchasing property address is : XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX i have signed the purchase contract as primary residence. 

my contact number XXXX Email : XXXX XXXX
Consumer complaint received 2022-06-05
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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-19
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX  **** Balance Owed : {$22000.00} XXXX  XXXX Balance Owed : {$9300.00}
Consumer complaint received 2022-06-05
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Acount # 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
Consumer complaint received 2022-06-05
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. (AL)

In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights. 

XXXX XXXX XXXXXXXX XXXX Account number XXXX {$650.00} XXXX XXXX XXXX XXXX Account number XXXX {$970.00} XXXX XXXX XXXX Account number XXXX {$440.00} XXXX XXXX XXXX {$230.00} 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 2022-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-06-05
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. (VA)

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 an account without my written instructions
Consumer complaint received 2022-06-05
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. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights.

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

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

15 USC 1666B : A creditor may not treat A payment on a student loan account any open end consumer credit plan as late for any purpose.

Again, attempted to communicate with the company and was provided a very generic response
Consumer complaint received 2022-06-05
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. (VA)

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 an account without my written instructions
Consumer complaint received 2024-02-18
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)

Department of Revenue Case Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt. I previously sent a written request for validation, including a request for a wet signature, which was received by your office on XXXX XXXX However, to date, I have not received the requested validation. 

Furthermore, I believe that your failure to provide the requested validation constitutes a violation of the FCRA. The FCRA requires that consumer reporting agencies, such as Experian, follow reasonable procedures to ensure the accuracy of the information they report. By failing to provide validation of the debt, Experian is not meeting this requirement. 

Please be advised that I am requesting the following information as part of the debt validation process : Verification of the debt, including the original creditor, account number, and date of the debt. 

Proof of your authority to collect this debt. 
A complete payment history, including the original balance, any interest or fees added, and all payments made. 
A copy of the original signed contract or agreement related to this debt. 
I request that you provide this information to me within 30 days of receipt of this letter. If you are unable to provide the requested information, I request that you remove the disputed item from my credit report in accordance with the FCRA.
Consumer complaint received 2022-06-05
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. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights.

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

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

15 USC 1666B : A creditor may not treat A payment on a student loan account any open end consumer credit plan as late for any purpose.

Again, attempted to communicate with the company and was provided a very generic response
Consumer complaint received 2024-02-19
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)

Child Support Enforcement : Account XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt. I previously sent a written request for validation, including a request for a wet signature, which was received by your office on XX/XX/XXXX. However, to date, I have not received the requested validation. 

Furthermore, I believe that your failure to provide the requested validation constitutes a violation of the FCRA. The FCRA requires that consumer reporting agencies, such as Experian, follow reasonable procedures to ensure the accuracy of the information they report. By failing to provide validation of the debt, Experian is not meeting this requirement.

Please be advised that I am requesting the following information as part of the debt validation process : Verification of the debt, including the original creditor, account number, and date of the debt. 
Proof of your authority to collect this debt. 
A complete payment history, including the original balance, any interest or fees added, and all payments made. 
A copy of the original signed contract or agreement related to this debt. 
I request that you provide this information to me within 30 days of receipt of this letter. If you are unable to provide the requested information, I request that you remove the disputed item from my credit report in accordance with the FCRA. 

This is hindering my life progress
Consumer complaint received 2023-10-18
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. (FL)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-05
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 Account # XXXX has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat A payment on a student loan account any open end consumer credit plan as late for any purpose. 

Again, attempted to communicate with the company and was provided a very generic response
Consumer complaint received 2017-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CT)

I have been making monthly payments for years to XXXX XXXX and then Navient and have been surprised at how slowly the balance is decreasing. I requested a statement that includes all payments applied with a running balance since the start of repayment and can not get an answer from Navient. I pulled a statement from the website which only goes back ten years which is in correct however when I add my payments in this statement the total is {$22000.00} paid on a disbursement amount of {$24000.00} ( balance transferred from XXXX I believe not an actual disbursement ). The website states I owe $ 12k+. I ca n't gauge the accuracy of how my payments have been applied including payments on principal. Also why does Navient not publish complete accurate information so borrowers can assess how and if it is interest prolonging terms and high balances. According to the website my loan will be paid off in ten years. But technically looks to me I owe $ XXXX.
Consumer complaint received 2022-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc. (FL)

XXXX ( Reporting on XXXX and XXXX ) XXXX Errors ) XXXX XXXX ( All XXXX ) ( Errors ) XXXX XXXXXXXX ( All XXXX ) ( errors ) XXXX XXXXXXXX ( all XXXX ) ( errors ) XXXX XXXXXXXX ( all XXXX ) ( errors ). 
XXXX XXXX ( all XXXX ) ( errors ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ( XXXX only ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) ( XXXX and XXXX XXXX These need to be removed from my credit report because the violations as my rights as a consumer. 


. ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and 88 623 - 15 U.S.C. 1681s-2 ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2022-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Winklevoss Exchange LLC (MD)

I applied for and was approved for a Gemini credit card with a {$5000.00} credit limit. I received the card but have not been able to use it because my Gemini account has been frozen now for over 53 days. I have attempted to resolve the issue on 4 occasions only to be told to allow more time for a response. Well it is now going on 2 months and my account is still frozen and I have not been able to use the credit card I received. I also incurred a hard inquiry on my credit report so it's quite troubling that I have the credit card, a hard inquiry on my credit report and I'm not still not able to utilize the card. The ticket number with Gemini is Ticket ID : XXXX
Consumer complaint received 2022-06-06
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. (IN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account on an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-06-06
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. (MO)

I've contacted XXXX XXXX  XXXX & they told me I've never missed a payment, yet Experian, XXXX and XXXX refuses to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experian, XXXX and XXXX 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile.
Consumer complaint received 2022-06-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (SC)

Since XXXX of XXXX XXXXXXXX stated I owed them a debt and took me to court to recover the amount they were stating I owed. I went to court with my evidence in rebuttal of their accusations for said amount of {$4.00}, XXXX with the intent to dispute said amount. The Judge ruled in my favor and the case was dismissed. I sent the official court document to all three credit reporting agencies and the collection agency Professional Dept informing them that they can not report on a debt I do not owe and requested this false information be removed from my credit report and it has not been removed.
Consumer complaint received 2022-06-06
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: U.S. BANCORP (CA)

On XX/XX/22, I got charged for foreign transaction fee for {$34.00} from Fidelity credit card for purchasing XXXX flight tickets. I called the customer service and Fidelity credit card claimed that the transaction was made at XXXX, XXXX, XXXX. However, XXXX does not have office in XXXX, XXXX, XXXX. But XXXX, California. As per, XXXX XXXX XXXX Additionally, I have made another XXXX transaction with XXXX credit card and doesn't get transaction fee charge. As per XXXX XXXX XXXXXXXX XXXX XXXX XXXX  there will be 3 % foreign fee if the transaction is outside US. I don't have any foreign fee charge from XXXX. 

I have called Fidelity customer service and XXXX XXXX Avoided to give last name ) told me that I should pursue legal action to get dispute on my own. 

In conclusion, this is a mistake from Fidelity and I am not supposed to get foreign fee charge.
Consumer complaint received 2022-06-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (FL)

On XX/XX/2022 I was prequalified by a PenFed Digital Loan Officer for a XXXX mortgage of {$60000.00}. PenFeds maximum debt-to-income ( DTI ) ratio is 0.50 %, and the initial loan officer calculated my DTI at 0.48 % XXXX The mathematical calculation to determine my DTI was monthly debts of {$2700.00} ( including the new HELOC payment ) divided by monthly income of {$5700.00}. These two figures did not change and were verified by documents that were uploaded on PenFeds secure website. 

I was assigned a loan processor, XXXX XXXX on XX/XX/2022. After uploading the requested documents ( including those that revealed my race, age, and gender ), I was informed that my file would be submitted for review. Around XX/XX/XXXX, I was informed that my DTI had gone from 0.48 % to 0.58 % without explanation, and I was no longer qualified for the loan. I have asked for an explanation of the numbers without success, even though I was told one would be forthcoming. 

Numbers do not lie : {$2700.00} divided by {$5700.00} does not compute to 0.58 %. I would like to know if any factors such as age ( I am a XXXX XXXX XXXX  ( XXXX XXXX ), marital status ( recently widowed ), or gender, ( female ), played any part in this magical recalculation of my income and debts.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am requesting this myself for you to take necessary action about the errors being reported on my Experian Report. I am so baffled by this situation. I am not connected to any credit company or any of its kind. I have been reaching out to Experian, asking them to provide me with legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. They have provided XXXX VERIFIABLE PROOF. You are big, XXXX liars! You claimed that you verified these accounts but provided no documents. I haven't heard any response from Experian and it made me lose my patience. They have violated Sections 605B and are also in breach of Sections 616 & 617 for willfully noncomplying and neglecting to adhere to the rules and laws of the FCRA. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they should DELETE from my file : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-06-06
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. (NY)

I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking this account is inadvertently resulting in me being extorted.