davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
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: ACIMA CREDIT, LLC (FL)

CFPB Write up n 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 2023-02-09
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-05-24
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: Colony Brands, Inc. (NC)

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. 

Account # XXXX Account # XXXX Account # XXXX MONTGOMERY WARDS, ACCT # XXXX Account # XXXX Account # XXXX 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.

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.C1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (NY)

Between estimated years XXXX I was a victim of identity theft from multiple unknown entities most of medical student and credit card debt that was fraudulently opened in my name without my knowledge as I was in and out of inpatient facilities, group home/state ran facilities for XXXX I sustained from XXXX under care of the state no income or assets. In XXXX I was able to move back home and try to establish my identity credit and background after also going through a divorce in XXXX of XXXX without my knowledge and granted in ex husbands favor as I was in inpatient care in a hospital setting as this was granted. I was never able to change back my last name to my maiden name as Im still struggling to establish long term employment over activities in my credit and background report that should very well NOT be there. I can give information of ones I suspect to have made these charges and openings in my name but it is unknown to me what is showing thats preventing me from gaining adequate and long term employment as well as establishing identity in organizations. I need help in restoring my name credit and background. I have threatening harassing misrelated relayed information constantly in play to me and constant spamming of phone calls letters emails voicemails important document/information theft/ loss of employment from matters unbeknownst to myself or my knowledge. i need a freeze and investigation into who is using my name and what is circulating as Ive already established reports with the credit bureaus, and see some unknown activities but doesnt clearly state the details in them as I did not open them, and every time I dispute these charges stay or I find new charges. I have tried to build my credit with a financed loan, ONE loan, to help me further my livelihood after all of the hardships I have faced, and somebody is using me for fraud preventing me from being the productive member of society I worked so hard for!! This is preventing me from going back and furthering my education. I need this investigated and handled now.
Consumer complaint received 2019-11-19
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2022-05-24
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: CAPITAL ONE FINANCIAL CORPORATION (HI)

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 under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-24
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. (AR)

XXXX report number XXXX XXXX XXXX account XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - account XXXX XXXX XXXX XXXX XXXX XXXX XXXX- account # XXXX XXXX XXXX XXXX XXXX - account number- XXXX XXXX XXXX XXXXaccount XXXX XXXX XXXX XXXX- account XXXX XXXX XXXX- account XXXX XXXX XXXX XXXX XXXX- account # XXXX XXXX  XXXX XXXX XXXXaccount number XXXX XXXX XXXX- account number XXXX Please investigate if every piece of information is correct They violated my rights under 15 U.S.C 1681 section 604 A section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights under 15 U.S.C 1681 SECTION 611 ( 2 ) ( A ) : the law clearly states the credit bureaus have 5 days to notify me from when they receive s my dispute They also violated my rights under 15 U.S.C 1681 SECTION 611 ( 5 ) ( A ) ( l ) ( ii ) .The law clearly states if items are found inaccurate or can not be Verified the consumer reporting shall promptly delete the information from the consumer.
Consumer complaint received 2022-05-24
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. (NJ)

I filed a dispute for a XXXX XXXX bill that went into collections providing proof of the lease at my next apartment showing that I was not in occupancy at the time of the bills. The bills are a fraudulent use of gas after I was no longer at this apartment. I provided the lease and details to the credit agency and the debt collector and it has not been removed and their latest dispute shows the info valid. It is wrong. I can provide the lease at my next apartment if that is of value, Source : Experian Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX
Consumer complaint received 2022-05-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a letter regarding inaccurate info and unknown things being on my credit report to transunion60 days ago. I have not received as response yet and seems as if my disputes being ignored
Consumer complaint received 2022-05-24
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. (VA)

Chapter XXXX Bankruptcy reference # XXXX has inaccurate reference numbers, inaccurate court locations, inaccurate date filled/reported on all three credit bureaus making information invalided
Consumer complaint received 2022-05-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

This is the third time that - over 90 days - I have submitted my police report identifying a fraudulent account from XXXX XXXX to Experian reporting in error on my credit report. Experian continues to ignore my police report and willfully is violating federal law in investigating identity theft. The account number and fraudulent account details were included each time in my police report. I also included a copy of my drivers license and social security card. I requested that the fraudulent account be blocked pursuant to the Fair Credit Reporting Act, Section 605B. Each time Experian has processed disputes and " verified '' my name and social security number that have been breached and each time Experian has ignored my police report and the crime of identity theft documented in the police report. Experian refuses to honor my police report and refuses to comply with federal law pertaining to victims of identity theft. Experian 's policy has directly and repeatedly violated the Fair Credit Reporting Act.
Consumer complaint received 2023-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRSTBANK (CO)

On Saturday XX/XX/XXXX at approximately XXXX I went to my local first bank on XXXX XXXX XXXX XXXX, XXXX, CO XXXX. I came to make a deposit into the atm of XXXX XXXX as the atm was counting the money it only calculated XXXX XXXX I canceled the transaction to have the atm return my cash however the atm still only returned XXXX XXXX I am now missing XXXX XXXX
Consumer complaint received 2022-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I opened an account with XXXX XXXX XXXX XXXX and they restricted my account due to information obtained in a consumer rerport provided by XXXX XXXX. After obtaining a copy i learned that the discrepancy that restricted my account was a fraud claim that came from Bank of America. When I contacted BOA I was informed me of the activity they reported from an account i had with them in 2018 and I explained that I lost access of that account soon after opening it. I also explained to them that I reported the possibility of fraud after losing access to my account because I was XXXX at the time and my information was stolen. I went on further to explain to them that shortly after I reported my stolen info and the possibilty of fraud I was incarcerated  and was not released again until later on in the year of 2018. Representatives that i spoke with seemed unconcerned of any of this information and proceeded to attempt to collect a payment for these activities.
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; SOC SEC ADMIN OFFICE O, XXXX XXXX XXXX {$4300.00} ; XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NE)

We have paid down our mortgage to below 78 % of the original value of the home, yet the mortgage company requires a new valuation on our home, that costs hundreds of dollars, in order to remove our PMI. It is my understanding that a home valuation is not required if our principal balance falls below 78 % of the original home valuation, which it has recently. The mortgage company told us it is not possible to remove the PMI at any principal balance without a home valuation that costs hundreds of dollars. The mortgage company quoted us $ XXXX {$800.00} for cost of the home valuation. We waited many months to have the PMI removed after the 80 % threshold because we did not want to have to pay for the valuation cost and were under the impression the PMI would automatically be cancelled when the loan balance fell below 78 % of the original home value. 

Our home was originally valued at {$160000.00} upon loan creation in XXXX. The original mortgage balance was {$150000.00}. Our current principal balance today ( XX/XX/XXXX ) is {$120000.00}. If the home was appraised ( of course with the rising housing market ), we would receive an appraisal well over what the home was originally valued for in XXXX. 

All we want is to be treated fairly. I do not feel like requiring a costly home valuation in today 's market, after having our mortgage for 8 years and paying down our LTV ratio to below 78 %, is fair to us. Please help us with this unfair and deceptive practice. If we had known the same requirements would be in place when we were at 80 % LTV to 78 % LTV we would have gone through this process many months ago. 

I have attached the company 's recent response to our request to remove PMI dated XX/XX/XXXX.
Consumer complaint received 2019-11-26
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: EQUIFAX, INC. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-05-24
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I issued a complaint regarding XXXX XXXX financial the account has been deleted from every other bureau but Experian. It has been past the 30 day timeframe and the company hasnt responded based on FCRA and Experians website failure to provide respond is grounds for deletion of the account Im just asking for justice and my voice to be heard. Please reference case # XXXX as this is the official complaint Experian has neglected responding to in timely manner
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I received a call from Captail One Credit card stating that the credit card my husband applied for ( which he DID NOT apply for ) was denied. My husband is having problems with fraud and has reported it, but now they have my phone number attached to my husbands account and are trying to get to my personal info.
Consumer complaint received 2019-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have tried numerous times to tell all reporting agencies that the debt with XXXX was not mine and that I never even lived at the address listed. I was also part of the XXXX breach. The name listed on the account is not my name, so now I have a copy of my lease!!!
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (AZ)

On this date XX/XX/2023 I got gas at XXXX in XXXX az XXXX in gas XXXX water They charged me XXXX for gas XXXX water They fixed it the next day. 
So XX/XX/2023 they sent collection I owe XXXX XXXX XXXX They over charged me Now there screwin me
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I received a promotional APR of XXXX percent for transfers. However, I also used the card for a purchase to get points reward. the amount of the purchase was {$1100.00}. I paid {$1000.00} payment so as to not incur interest. I was told when I called them that Anything paid over the minimum would be applied to higher interest rate portion of the balance which is why I used it. I could have paid cash but wanted the rewards. 

When I paid the {$1000.00} they only applied it to {$300.00} of the {$1000.00} and now they are charging the interest. misleading practice. I spoke to the rep on the phone and they confirmed that is the case. they are supposed to apply the payment to the higher interest balance.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (LA)

I pulled my credit report and noticed some inquires that I did not authorize. On my XXXX report, there were the following inquiries that I did not authorize XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. This showed it was done on XX/XX/2023. 
On my XXXX report, I show the following inquiries ; XXXX XXXX, XXXX XXXX, ally financial, XXXX XXXX again, and XXXX XXXX on XX/XX/2023. I did not authorize these. On my XXXX report, I show the following inquires were done on XX/XX/2023 that I did not authorize : XXXX XXXX, XXXX XXXX XXXX ally financial, and XXXX.