davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

My issues were not addressed. I asked the credit bureaus to verify all items on my report, and they did. They stated that everything was accurate without providing proof. I provided all the accounts and highlighted the inaccuracies. Under the FCRA, bureaus are required to have a copy of the original creditors documentation on file to verify that the information is mine, and also correct. They are supposed to provide original copy 's with my signature as verification. None of the three bureaus, Experian, XXXX, or XXXX Provided this information.
Consumer complaint received 2022-10-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (NM)

Several years ago I closed my HELOC account in person with the assistant manager of BBVA Compass bank, and after a call by that assistant manager she told me my HELOC account was closed. There was a new transition last XXXX XXXX where BBVA Compass bank was now owned by PNC bank XXXX In XX/XX/XXXX I received a $ XXXX  yearly finance charge from PNC bank. I inquired about this at my PNC branch. They made a call to the PNC Loan Service department that handles this and they stated I was charged the {$50.00} because my HELOC was not closed. I told PNC the account had been closed when it was BBVA Compass bank and I expected it to be closed based on the information I received from the assistant manager of BBVA Compass. I told PNC they needed to refund the {$50.00} finance charge back to my checking account. PNC stated it would take a few days for this to be evaluated and the money refunded and to check back in a few days, which I did. The money had not been refunded, and unbelievably my HELOC account still had not been closed. When the transition from BBVA Compass bank occurred last XXXX, PNC failed to appropriately update their files to show that the HELOC had been closed. I made several calls to PNC Member Services who forwarded the matter to their Loan Service department and always told they would contact me, but no contact by e-mail or phone every occurred. My request to close the account and credit the {$50.00} finance charge has been totally ignored and I find this conduct and lack of professionalism irreprehensible as a customer of PNC bank.
Consumer complaint received 2022-10-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2022 I mailed a letter of Dispute to Equifax it has been approximately XXXX days since Equifax has received my letter of dispute and i have not received any correspondence in regards to my dispute this process has really had a negative effect on my livelihood I firmly demand that the Accounts listed in my dispute be Deleted Promptly.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please remove the late payments from this account or delete this account as the information is incorrect. I've included the credit report from both XXXX and Experian and both are reporting different incorrect information. You have incorrect account numbers and also incorrect payment history. XXXX shows XXXX months of good payment history and Experian shows XXXX. Please delete or removed all late payments. 

Account name : XXXX XXXX XXXX  Account number : XXXX Date opened XX/XX/2013
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

** Please ensure any personal identifier data matches strictly with what I have submitted uncontested above, I do NOT authorize you to hold on to ANY info not requisite reported, not undeniable, not correct, not full, not timely communicated, not mine, not of my responsibility, and or else wise questionable OR in contradiction from the unadornedly ADEQUATE PERSONAL IDENTIFIER information I have above submitted! 
Re : This serves as my official notification to you, or any entity, concerned that I here now have confliction with the reportability of your claim ( s ) until it's decisive that privilege t o report was executed adequately and in a firmly rooted and objectified compliantly reported compliant manner, even to the mandates in accordance with the CDIA required CRRG described Metro 2 data-filled field formatted reporting standards, of which there can be no deviation for retaining of that aforementioned assumed privilege to report any claim. 
To whom it concerns, edit out now the following claim ( s ) one or more of being not certified tractably supposed or elsewise revealed, unverifiable, invalid, untrue, inaccurate, inadequately unabbreviated or incomplete to needed standard, untimely disclosed, not fastidiously right by cite proof to be of a known ownership of my responsibility, inconsistently divulged, deficiently described, questionably believed and or else wise appearing to potentially be a deviation of or from the Metro 2 Standard of ethical, lawful, and compliant reporting of delinquent, derogatory, and or else wise possibly negative claims professed versus me as the consumer. Remove immediately and enduringly any negativity related to :
Consumer complaint received 2022-10-18
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. (PA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my reports and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, in my under reference XXXX  XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my reports. Here is the list of items which do not belong to me or were opened without my permission : -- -- -- -- -- -- -- EXPERIAN : 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I have tried to get proper validation bearing my signature on a signed contract making me responsible for this debt. Within guidelines to the FCRA. 

The responses that I keep getting are that theyve verified my name, dob, social and address which is considered verification not validation.
Consumer complaint received 2019-07-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch Sturm LLP (TX)

I had a levy placed on my account by Rausch Sturm for about {$2000.00}. {$21.00} of which was taken directly from my back account. I then was ordered to pay the full sum ( not minus the {$21.00} ) and did so because I didnt have any other options. So the account was paid in full and then some. However, Rausch Sturm again placed a levy on my account a couple weeks later. I contacted them about this 4 days ago when I noticed and still I have no viable response from them ( waiting for the manager ) and in the meantime I have no money to live on.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: American Credit Acceptance, LLC (GA)

The company lead me to believe that I would not have any additional payments on my loan since they were going to settle for a less amount, yet after they made a settlement, they continued to charge my account and report me to the credit bureaus for being late. They did not clearly explain that I had to still make payments. And all attempts to notify me of additional late payments were understood to be systematic given the nature of my communications with their team prior. I've tried to dispute this with the credit bureaus many times and have had many conversations with them but they refuse to share audio recordings of the phone conversations I had with their team to substantiate my claims otherwise.
Consumer complaint received 2022-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In XX/XX/2022, I inform all three credit bureaus ( XXXX, XXXX, and Trans Union of incorrect inquiries that were put on my credit report without my authorization. The agency never looked into the investigation and kept the inquiries on my credit file without my authorization, Nor do I have accounts with the inquiries in question. All of the inquiries that were made in XXXX are in accurate. I am working very hard on my credit to improve it and I have tried my best not to have any inquiries on my credit report that werent already there before XX/XX/2022. I did not authorize those inquiries in the month of XX/XX/2022 at all and It is a violation of my rights as a consumer to report inaccurate information. The agency did not take the time to investigate this matter and I am requesting validation with my signed signature that I authorize this information to be reporting on my credit file.
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX website has been broken for years, needs to be fixed asap. 
Website can not process order. 
This occurred on XX/XX/20 at XXXX-CT.
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (WI)

I sent a letter in attempt to remove These accounts that should not be furnished on my consumer report as they are in violation! Under 15 US Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.As a consumer, I am demanding the deletion of all the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXX {$85.00} US Dept of ED/GSL/ATL XXXX US Dept of ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$62.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-16
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: Experian Information Solutions Inc. (NV)

I have tried to get Experian 's help in correcting a error on my credit report on at least 4 different occasions. As late as today ( XX/XX/XXXX ) I again received from Experian their statement that my credit report is correct ( one of their XXXX comments that their position was correct was their comment that it was confirmed by the company who placed it on my report. ) That is a XXXX comment, because the missing item on my credit report is a chapter XXXX bankruptcy filed and discharge in the XXXX XXXX US Bankruptcy Court ... ... .NOT A COMPANY. i CONTACTED THAT COURT AND OF COURSE they informed me they do not contact the credit reporting agency, they respond to calls from the latter. 
Summary : I filed a Chapter XXXX bankruptcy which was dismissed by the US Bankruptcy court in XXXX, TX. I then filed a chapter XXXX in XXXX XXXX which was eventually discharged in XX/XX/XXXX. 
Since I have done all I can do to get Experian to correct my credit report to no avail, I have decided to file this complaint and to then, next week, file a suit against Experian under the auspices of the Fair Credit Reporting Act.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The Fair Credit Reporting Act ( FCRA ) protects consumers by regulating how credit reporting agencies ( CRAs ) collect and use personal information. CRAs include credit bureaus, medical information companies, and tenant screening services. The FCRA also gives consumers certain rights, such as : Limited access Only people or companies with a specific purpose can access your credit report. 
Dispute resolution Credit bureaus must investigate disputed information and correct or delete inaccurate information within 30 days. 
Free copies You are entitled to at least one free copy of your credit report each year. 
Data security CRAs must follow " reasonable procedures '' to protect the confidentiality of your information. This includes data security, use limitations, and requirements for data destruction.

Notification You have the right to be notified if a financial institution plans to submit negative information to a CRA. 15 usc 1692g dispute debt claim 15 usc 1692a-n fair debt collection act. Privacy Act of 1974. 18 usc 241 rights under color of the law.TILA LAW -This law requires a creditor to disclose certain information in writing regarding the terms of a credit transaction. The two main types of TILA violations that can provide relief to borrowers when a creditor doesn't adhere to the law are violations for damages and violations that allow rescission. Which I have rescinded this contract and my signature if there is 1 I didn't sign it the company forge my signature.
Consumer complaint received 2020-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NJ)

I'm in the process of trying to repair my credit and I came across this account which isn't mine. So I sent in a letter for validation as the begin process of cleaning up my file. I'm disputing and that was back in XXXX of 2019. I recieved no response back. Attached is a copy of the validation letter I sent. This account is not mine and I need proof : original copy of contract, signature and social, proof to collect in my state, Assignment clause, Notarized letter of debt purchase and signed contract from original creditor. As per the fair credit reporting act I'm within my rights to have this completed in a timely fashion.
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

I have recently looked over all of my credit reports and there are numerous amount of inquiries that have not authorized to be on there. I have mailed in some documentation to get all of there inquires removed, but every timee I call and have yet to get someone over the phone.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (FL)

XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 
Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

the XXXX account # XXXX that's reporting in my credit report has inaccuracies that makes this report invalid... .date last active TransUnion XX/XX/XXXX, on XXXX it says XX/XX/XXXX and XXXX XX/XX/XXXX ... XXXX PLEASE DELETE THIS IMMEDIATELY ... ITS AGAINST MY PRIVACY TO REPORT INACCURATE ITEMS ON MY CREDIT!!
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Technologies, Inc. (IL)

Credit Technologies improperly obtained a 92 month Verification of Mortgage for my property. Based on the total amount of late payments listed on the Verification of Mortgage ( VOM ), they magically created dates of these late payments. My mortgage servicer ( XXXX ) never provided the dates for these late payments. Credit Technologies and XXXX attempted to hide this supplemental report from me. I was able to obtain a copy of the VOM from XXXX. 

I was working on a new FHA mortgage application with XXXX XXXX. I requested that XXXX XXXX perform a " Verification of Mortgage ''. I told XXXX that I wanted them to perform the Verification of Mortgage and not to use a third party. XXXX engaged with Credit Technologies for a verification of mortgage without my consent. 

Credit Technologies sent XXXX XXXX a " Verification of Mortgage '' with no specified end dates. They received a 92-month verification of mortgage from XXXX. The verification sent by XXXX contained the total amount of 90-day late payments, 60-day late payments, and 30-day late payments. The form did not specific the dates from these  late payments. 

My mortgage with XXXX went through a Chapter XXXX and Loan Modification in XX/XX/2015. The XXXX mortgage was not re-affirmed. Therefore, I was very cautious on what information a 3rd party credit agency obtains on this discharged debt. 
Thinking that XXXX was obtaining a 12 month VOM, I was shocked when Credit Technologies performed a 92 month VOM. Ive also very confused on how Credit Technologies generated the SUPPLEMENTAL REPORT based on a 92 month  verification of mortgage which didnt have specific dates for the late payments. The supplemental report they provided to XXXX somehow extrapolated dates for the late payments. How did they make up these dates, as I confirmed with XXXX, that they didnt provide this information to Credit Technologies. 

Credit Technologies made up these dates and numbers in the supplemental report. In addition, the total number of late payments do not match the late dates in their own report. The report they states 6 60 day and 1 90 day. However, the dates they made-up in their report equals 7 60 day and 2 90 day.
Consumer complaint received 2019-07-15
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)

The following accounts do not belong to me and I'm disputing these accounts in accordance to the consumer laws of the FCRA. I've also sent in a police report. I'm asking that the following accounts are removed, and blocked from my credit file. [ 1 ] XXXX XXXX, {$310.00}, {$240.00}, {$180.00}, {$60.00}, either account belongs to me. 

[ 2 ] Dept of ED/XXXX {$13000.00}, {$7400.00}, {$4400.00}, {$3700.00}
Consumer complaint received 2021-06-16
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: CITIBANK, N.A. (CA)

Rented house via XXXX using Citi card. House presented numerous health and safety concerns ( DEFECTIVE SERVICE ), including descriptions that were fraudulent misrepresentations in listing ( e.g. non-smoking ). XXXX instructed us to leave the house, which we did at earliest opportunity. XXXX made multiple representations of refund and other support. Phone records and other documentation are available confirming these representations. But XXXX did not issue a full refund. Citi charge card refuses to reverse charge for this defective service/fraudulent misrepresentation, despite extensive evidence presented including phone recording and internal notes provided by XXXX.