davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WI)

This complaint is regarding an account on my credit report from XXXX XXXX XXXX XXXX of {$10000.00}. I sent my first letter to Equifax on XX/XX/XXXX asking to see verifiable proof ( hard evidence going all the way back to the original creditor, not verification from third-party database ) regarding XXXX XXXX XXXX XXXX account reported on my credit report. Under the FCRA, unverified accounts must be removed if Equifax is unable to provide a copy of verifiable proof. Their response was that the account is verified, without hard evidence going all the way back to the ORIGINAL creditor and without verifiable proof. 
On XX/XX/XXXX I sent my second written request to Equifax asking for a description of the procedures used to determine the accuracy of this account. they did not provide me with any hard copy documentation showing that they properly verified this account and under Section 611 ( 5 ) ( A ) ( i ) of the FCRA they are required to " promptly delete all information which can not be verified. '' They did not delete the account and receive same response- verified without any documentation as asked. 
On XX/XX/XXXX of XXXX I sent my third written request to Equifax because the account still remained on my credit after the first 2 letters sent. I asked them to delete this account because they did not provide copy of any documentation ( hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Also, Equifax did not provide the method of verification as required under section 611 ( a ) ( 7 ).

Again section 611 ( 5 ) ( A ) of the FCRA states that any information which can not be verified with proper documentation to be promptly deleted. 
On XX/XX/XXXX I sent my 4th written letter to Equifax because the account is still on my credit report unverified. Again i did not receive copy of any original documentation for this account and no method of verification was provided. 
The account is still on my credit report. 
All my letters have been sent certified mail with return receipt and signature on them. Also all letters were signed by a notary agent before sending them. The letters, and the proof of return receipt will be attached with this complaint. 

This has put a stress over my life in a very negative way
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 
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 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 ) X1 ) 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 information is inaccurate
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: Experian Information Solutions Inc. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  XXXX  XXXX Balance : {$550.00XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$350.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$840.00}
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WI)

This complaint is regarding a collection account i have on my credit report from collection agency XXXX XXXX, XXXX of {$750.00}. I sent my first letter to Equifax on XX/XX/XXXX asking to see verifiable proof ( hard evidence going all the way back to the original creditor, not verification from third-party database ) regarding XXXX XXXX XXXX XXXX account reported on my credit report. Under the FCRA, unverified accounts must be removed if Equifax is unable to provide a copy of verifiable proof. Their response was that the account is verified, without any hard evidence going all the way back to the ORIGINAL creditor. The verification was from a third-party database. 
On XX/XX/XXXX I sent my second written request to Equifax asking for a description of the procedures used to determine the accuracy of this account. they did not provide me with any hard copy documentation showing that they properly verified this account and under Section 611 ( 5 ) ( A ) ( i ) of the FCRA they are required to " promptly delete all information which can not be verified. '' They did not delete the account and receive same response- verified without any documentation as asked. 
On XX/XX/XXXX of XXXX I sent my third written request to Equifax because the account still remained on my credit after the first 2 letters sent. I asked them to delete this account because they did not provide copy of any documentation ( hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Also, Equifax did not provide the method of verification as required under section 611 ( a ) ( 7 ).

Again section 611 ( 5 ) ( A ) of the FCRA states that any information which can not be verified with proper documentation to be promptly deleted. 
On XX/XX/XXXX I sent my 4th written letter to Equifax because the account is still on my credit report unverified. Again i did not receive copy of any original documentation for this account and no method of verification was provided. 
The account is still on my credit report. 
All my letters have been sent certified mail with return receipt and signature on them. Also all letters were signed by a notary agent before sending them. 


This has impacted my life in such a negative way, not being able to qualify for credit or buying a home.
Consumer complaint received 2022-09-29
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. (CA)

I am a natural person, am a living human being, have rights under 15 USC 1681. 

XXXX, XXXX, experian are governed by 15 USC 1681. And they violated my rights numerous of times. demand the accounts listed below be remove because According to 15 USC 1681 : have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

BANKRUPTCY
Consumer complaint received 2019-03-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I purchased my home and a lot in XX/XX/2001 for {$350000.00}. I put down 77 %, I financed {$80000.00}. 

I have refinanced and modified my mortgage. The big problem started with the loan from Countrywide. They added {$200000.00} to my principal Balance then Assigned it to Bank of America. Bank of America put me on a trial period for 18 months. Denied the loan modification and had the current loan servicer XXXX modify the mortgage. 
XXXX added another {$350000.00} to the mortgage and made it for a balloon payment after I pay this mortgage for 30 more years!. Both Countrywide and Bank of America has caused me tremendous equity loss and opportunities. They threaten my existence in my home. They said that if I didn't sign the mortgage that they would foreclose immediately. I believed them because I have seen it. They are trying to foreclose on my house and my lot. They didn't serve me and were trying to just have the court rule on the papers. I found out by receiving the papers in the mail a few days before and requested an Adjournment. 
Now, I have been asking XXXX for the reinstatement amount to bring my mortgage current after a few months. The Bank is trying to foreclose on my home and lying about having an interest in my lot. They have no interest in my land. When I took out the Countrywide and Bank of America loan, I continued to pay my own lot taxes. Please see attached tax account details from my Towns Tax Office. I have had the title in my name only not theirs ever. Their Title excludes my lot. 
I have to fight them in court now. This has been the most disturbing thing in my life. I can't do a lot of things because of the bogus loan amounts. 
I have a buyer for my lot and this is causing harm to the transaction. At this point, I should have my home free and clear along with {$200000.00} to fix it up. it's truly a shame that a Bank can be allowed to place any amount on a mortgage and then lie about the process and try to take property that isn't theirs. 
I hope and pray that you get the lenders to forgive the loan in it's entirety due to their abuses.
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. (MN)

Please see the exhibits below. I have several accounts of which a tender of payment was tendered, with acceptance and credits applied to the account, with the account in a status, warranting a refund, of which only XXXX sent. XXXX, the account was reported paid and closed XX/XX/XXXX to XX/XX/XXXX. I actually sent several {$12000.00} payments, which they kept and processed, meaning they have double payments ( securities fraud ). There were never late payments on that account, being that payments automatically came out of my account and then the account was in a paid status. I have submitted reports to FTC, SEC, and FINRA against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8000.00} was sent and applied to the account, furthermore, XXXX {$8000.00} payments were sent and accepted and applied. XXXX, {$27000.00} tender of payment was sent, XXXX and XXXX to XXXX, and NO late payment ever occurred, that is false, and it was applied to the account, with a refund of {$1200.00}, and the account is now paid and in closed status. The lien release of the title was sent as well. XXXX, fraud was committed by them and XXXX XXXX XXXX the loan was originated. However, a tender of payment of {$13000.00} was sent and applied to the account, with a paid in full and no payment due status. A payment was tendered to the Investor, Fannie Mae, for the mortgage account with XXXX. XXXX  is NOT the lender, and was never the lender of that account. They committed mortgage fraud and misrepresentation of the origination of the loan, causing an imperfection. They have sold and traded the loan to third party investors, causing a break in the chain of documents. I sent a payment of {$160000.00} to the investor and the indentured trustee. I am NOT late on that account, and should be immediately removed. I have reported XXXX to FINRA, SEC, CFPB, and Congressional Inquiry for their fraud and racism. Also, all inquiries on my account made after XX/XX/XXXX are not authorized. I received several phone calls from merchants saying Experian, XXXX, and XXXX sold my information to them, and they processed my credit ( without my authorization ) to obtain a mortgage loan or refinance. ALL inquires need to be removed, they were NEVER authorized by me. My name is XXXX XXXX XXXX or XXXX XXXX XXXX. Any other name is legal fraud. Please update my account accurately. If you refuse to update these accounts I will have to pursue legal remedy, and each violation will accrue a {$1500.00} per violation per month it keep reporting.
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE ()

I have had an XXXX XXXX XXXX issued by Barcklays Bank of Delaware for some years. Since the card was approaching its expiration date of XX/XX/2022, I contacted the company in XXXX and asked them to send a replacement card to my address in XXXX. They said they had sent one earlier but it never arrived. I asked them to send it express, since the expiration date was near, and they agreed on XX/XX/XXXX to do so, charged me {$15.00} for it, and then said they could not send it express after all and sent it by regular mail on XX/XX/XXXX. I waited weeks, called several times, but it never arrived. On XX/XX/XXXX they agreed to send another card, did nothing until XX/XX/XXXX, and then sent it express by XXXX -- exactly what they had claimed they could not do -- but did it WITHOUT GETTING A TRACKING NUMBER even though I had EXPXRESSLY told them to get one so I could know where it was. It has not arrived XXXX weeks later, and with no tracking number I have no way of knowing if it was held by customs, was lost, or anything else. I have had no usable card this entire time, since they cancelled the existing account when they sent the first card in XXXX ; I can not pay my bills, my monthly payments are being denied and services cut off XXXX after another, my credit rating is suffering because I am delinquent on payments, and despite REPEATED calls to Barclays all they do is tell me to wait and offer to start the whole process over again from the beginning by sending yet ANOTHER card. I can not afford to start over with this long process another time and watch my credit collapse while I wait for the card to arrive. I know how bad they are -- last time I needed a new card they put the XXXX XXXX XXXX on the address instead of XXXX  and it went to XXXX instead of XXXX. They did contact my family in the United States XXXX weeks ago, then sent me an email with a phone number to call. I have called it over and over and over and over and never get anything but an answering machine saying to leave my number and they will call back within 48 hours. I have been leaving the number for XXXX weeks and have not yet received a call back. I told their agents in live conversation at a different number -- and I AM SERIOUS -- to send a courrier to XXXX with the card in his or her pocket ; if they had done so when I asked, this matter would have been settled by now. But they have done nothing, and tell me that if they sent yet another card, it would again be with NO TRACKING NUMBER, leading to the same problem. I need to pay my bills and I need compensation for the damage they have done. Please help me with this.
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: Experian Information Solutions Inc. (FL)

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. 
XXXXXXXX XXXX XXXXXXXX # #, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 ) X1 ) 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 information is inaccurate
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. (FL)

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. 
XXXXXXXX XXXX XXXXXXXX # #, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 ) X1 ) 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 information is inaccurate
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Credit Karma (TX)

I disputed transactions on my account and was given a provisional credit after 9 business days. However Credit Karma restricted my account so I am not able to use these funds that were made available to me so that I may have full use of these funds while they investigated my dispute. When I call I am told that that department is not available to speak to and that there is nothing that they can do for me.
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX and XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX accounts 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 2022-06-06
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: EQUIFAX, INC. (MO)

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent accounts in my file that are reporting on XXXX, Equifax and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXXXXXX XXXX  XXXX Balance : {$19000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : $ XXXX also the inaccurate personal information : XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
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. (MO)

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent accounts in my file that are reporting on XXXX, XXXX and TransUnion Credit Bureaus. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX  XXXX Balance : {$19000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : $ XXXX also the inaccurate personal information : XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.