davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-11
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. (CA)

i have file disputes on XX/XX/2020 and yet still have not received anything regrading them. By law they have 30 days to respond and it is past the 30 days.
Consumer complaint received 2020-08-11
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

To : USAA XXXX Dispute XXXX RE : Dispute Re : Account # XXXX Dear Representative : I am writing to dispute the account referenced above. I have disputed this account formation as being unverified and inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the USAA myself and have been unable to get them to respond or to verify that this is indeed my debt WRITTEN PROOF. The credit bureaus have not been provided Proof that this debt occurred and was caused by me. You have not provided proof that this debt occurred and was signed by me. It is in the best interest of the Law and Credit regulations to remove this from my credit rating otherwise without proof of verification and valid proof this has to be removed from my credit report at once. Failure to Provide evidence that may be used to established fraud which I have stated.

After careful research, I have determined that this is not mine, and I was given no evidence of my obligation to pay this debt to USAA. The credit Reporting agencies do not have proof that this debt is valid. I do not have proof. Delete ITEM as it violate Fair Credit Reporting. 

The FCRA requires you to verify the validity of the item within 30 days or remove it. If the validity can not be verified you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

1. Please provide my written signature or valid proof that what your claiming is in fact my account.

2. Please dont simply state verified, please provide me written proof Per FCRA that this dept is valid.

3. That the debt you say I owed and this account was setup, funded and used by me while I was XXXX. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item which I have researched and determined does not belong to me, then I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my own area. Furthermore, I believe my local news reporters will find this refusal on your part to comply with the law very interesting. 

While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Social Security # XXXX
Consumer complaint received 2020-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted the Transunion dispute department on XX/XX/XXXX ) @ XXXX XXXX XXXX XXXX ), about ( 3 ) hard inquiries on my credit file I did not authorize my personal info for no new credit acct. I was told by Transunion agent that " they don't handle hard inquiries dispute, not in their league to probe unauthorized hard inquires on patrons credit file. '' Hard inquiries listed not valid below. 

XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2020-08-11
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: EQUIFAX, INC. (CA)

Tried repeatedly to obtain Free Annual Credit Report ... only option offered by Equifax is to request report by mail. This option required a great deal of documentation which is onerous to generate. This is the second consecutive year that Equifax has been unable to provide the Free Annual Credit Report, and they have provided no detailed reason why that is the case.
Consumer complaint received 2023-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ready Capital Corporation (LA)

Even though I paid more into my escrow account than was paid out by the lender they still want to increase my escrow payments. The company selected a cushion which was not in place before then the company representative tried to say that it was a federal law. They do have a law that says they can only charge me a certain percentage but it does not say they have to. How great is this they not only make way too much money on interest then they can take all of the escrow cushion from consumers and make interest on it also.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NJ)

I have two credit cards with Citibank. A Shop Your Way Card and a Citi Diamond PReferred card. 

My credit limit on my Shop Your Way card was {$3500.00}. On XX/XX/XXXX I made a payment of {$2000.00} to Citibank because I am trying to pay down my debt so that I can improve my credit score. I have never been late with my payments for this card. On or abut XX/XX/XXXX, Citibank lowered my limit on this card by {$2000.00}. This in turn has made it appear as though I am using almost all of my credit line. This also has had a negative effect in my credit score. I have since made the following payments to Citibank for this card - XX/XX/XXXX - {$200.00} - XXXX - {$500.00} - XXXX - {$300.00} Regarding my Citibank PReferred card. The limit on this card was {$5400.00}. I have been making consistent payments on this card even though I am not working and worked to get this balance from about {$5300.00} down to {$4300.00} between the beginning of XXXX and now. On XX/XX/XXXX Citibank lowered the limit on this card to {$4500.00}, again making it appear that I am using almost all of my credit line. They are indicating that they are using information in my Credit Report, but they are the ones who are causing my credit score to suffer because of these drastic reductions in my credit limit.

I would like for CItibank to remedy this situation so that I can continue to improve my credit score. They are intentionally hurting my ability to improve my credit rating.

I believe they are also using the fact that I informed them that I was impacted by COVID 19 as a reason to lower my credit limits when in fact I have not missed any payments with them.
Consumer complaint received 2020-08-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I was able to use venmo for all my transfers and payments until last week when they blocked me from using venmo without a reason. Last time I was able to pay was on XX/XX/2020. Never received a communication from Venmo. Customer service doesn't know why and can't give an answer.
Consumer complaint received 2020-08-11
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. (FL)

Experian currently reports an illegal inquiry under fcra rules section 1681. 

XXXX is being reported without permissible cause, no loan or credit has be extended. A violation of FCRA rules section 1681.
Consumer complaint received 2024-02-26
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. (IL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2022-10-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (MD)

XX/XX/XXXX, BSI assumed my mortgage loan. The payment due was {$1700.00} for XX/XX/XXXX. I continued my previously scheduled payment of {$3000.00} dollars, which BSI applied the overage to XXXX 's payment and charged interest. I contacted BSI via telephone and asked that they deduct all overages from the principal balance for the life of my loan. The overage was reversed. XX/XX/XXXX, an escrow refund in the amount of {$5100.00} was removed from my escrow account. I received that refund a month later after inquiring about the money being removed from my account. In XX/XX/XXXX, BSI once again elected to divert a payment without explanation. I contacted them via telephone again and requested that any and all overages are to be applied to the principal balance. This practice that financially benefits BSI is unethical and unwarranted.
Consumer complaint received 2020-08-11
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)

Ive sent XXXX a certified letter, stating that the information on my credit report was inaccurate. I explained that I have never had a account with XXXX XXXX XXXX & with a lender called XXXX XXXX.
Consumer complaint received 2020-08-11
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. (MI)

Ive sent XXXX a certified letter, stating that the information on my credit report was inaccurate. I explained that I have never had a account with XXXX XXXX XXXX & with a lender called XXXX XXXX.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My issue is with Transunion 's verification of credit items. The credit item was a car loan I was approved for in XXXX of 2016. Its reporting I made the loan a year later the same time frame. I am using XXXX XXXX   to challenge this negative report. The loan was for 72 months. I paid it off in 32 months. Its not even showing as a currently open account. 
This the third time I've had to use a credit repair company to reverse this negative type of reporting. I want to purchase a home and know my credit its n't this poor. My credit history isn't excellent, but its good by most standards even their 's. The same file according to XXXX  and XXXX  it is recorded as open and in good standing. I am just using this as an example because its recent history. I had a monitoring service through TransUnion and as a service for credit monitoring, they were difficult to deal with. It was hard to login to the service with my password and ID written down in front of me. I had to wait time calling their customer serivce number. Half the time they weren't helpful in resolving the issue of logging in. And I couldn't access the same paid-for account on multiple devices.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$1100.00} XXXX XXXX {$73000.00} XXXX XXXX {$200.00} XXXX XXXX
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit reports have all incorrect, Fraud, Items- 17 late payments, not correct I have proof Generations states I was late in XXXX, when payment was drafted from my account, I was never late on any of my Payments. I also have Status Bankruptcy Status for Ch XXXX, CH XXXX, I have documents to upload to support this. I also have a XXXX XXXX XXXX Repo, I have a signed Contract for XX/XX/XXXX, and they have a signed Contract for XX/XX/XXXX, not correct I have been harassed by them, as They failed to send me the Original Contract which includes 2yr Warranty, Gap, They have a Contract that does not have, OCCC investigated, which stated a 2yr Warranty Contract, After the OCCc investigation, I began to get delinquent emails, when I contacted them, they stated due date was Due on the 6th of every Month instead of 22nd, I had no choice but to Pay on the 6th, and I only was given 1yr, but charged for 2yr warranty. I was still being reported late even after paying on their terms. I submitted the Police report Fraud to XXXX  XXXX  explaining I did not sign and not my signature, got Affidavit from Bank and Police Report and it was still denied. I had asked them to pick up the Vehicle as they never did. I am submitting proof of on time Payments and Legal Support Documents. I have made several Complaints, but have been unsucessful. A Repossesion, late payments, and a Bankruptcy is reading on my reports. I have had Monitoring Services for years, and it has not helped, as I have several unknown Inquires, I also asked for The Credit Bureas to Verify Negative Info with me, Prior to Placing. Just as they ask for proof of Identy to investigate they need to do the same for Third Parties. Please Have Transunion and XXXX  Fix these Errors. They have Continued to Report Items as Verified, which is Not Correct.
Consumer complaint received 2020-08-11
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The Outsource Group, Inc (TX)

At XXXX CST, XX/XX/2020 I received a phone call from XXXX. A woman asked my name, then began telling me I was recorded and wanted me to give her my card numbers to charge me for a sum of roughly XXXX dollars for medical debt at XXXX XXXX XXXX XXXX, and this was medicredit incorporated She did not verify my identity, or take steps to protect my privacy before revealing details.
Consumer complaint received 2020-08-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (LA)

A foreign speaking man called my cellphone saying that he was a debt collector for United Collection Bureau and he was attempting to collect a medical dept. He provided an amount of {$180.00} and asked for my credit card information. I asked him to provide me with a callback number so that I can call back after I verify who he was because I do not give out my debit card number over the phone. He wanted to know why did I need to call him back because he was already on the phone. When I told him that I wanted to verify who he was, he asked how was I going to verify who he was and when was I going to call him back. I tried to explain to him that I've never received any written communication from his company concerning this debt or to even show proof that I had to pay his company. He hung up on me. His said that his name was XXXX. 


When I called the number back that was on the caller ID and explained to the other foreign speaking man, my voice was echoing in the background. I explained to him what had transpired between XXXX and I and that I would like for them to mail me some correspondence concerning the debt that they were trying to collect. He asked me for my mailing address. When I told him that he should already have my mailing address because he says that they are trying to collect a debt. He got flustered when I wouldn't provide him a mailing address showing proof that they are a collection agency and I owe them a debt. He also got flustered and hung up.
Consumer complaint received 2020-08-11
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. (MI)

Ive sent Equifax a certified letter, stating that the information on my credit report was inaccurate. I explained that I have never had a account with XXXX XXXX XXXX  & with a lender called XXXX XXXX.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The years XXXX, or XXXX my things were stolen from a house I room mated with a friend. Her name is XXXX. I had a application filled out with the XXXXXXXX XXXX XXXX XXXX XXXXXXXX license that was taken during the time my things had disappeared. I believe thats how my identity was stolen. I had past addresses, history of work, along with all my personal information on that application. She met a man named XXXX, they are now married, he started having things showing up on his credit, and thru the XXXX XXXX. We gradually put it together and now come around present. I think my credit had already been being monitored by someone with the phone calls, and things I would see on XXXX XXXX. XXXX, XXXX  I purchased a XXXX XXXX. Then I really started seeing activity on XXXX XXXX Around XX/XX/2022 thru XX/XX/2022. XX/XX/2022 I purchased XXXX thinking I would feel a little relief. I did momentarily. I disputed a XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Tx. XXXX, XXXX XXXX, credit cards, late payments with no relief. I cant access XXXX to freeeze it. XXXX  or XXXX XXXX. We believe the suspect to be XXXX XXXX XXXX. The XXXX XXXX XXXX department is now working on it, along with XXXX XXXX XXXX XXXX Ive been a victim of identity theft and Im looking for relief. Thanks
Consumer complaint received 2023-05-28
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX 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
Consumer complaint received 2020-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please see attachments. Per FCRA regulations, please delete the fraudulent XXXX XXXX XXXX account from my credit report. My identity has been compromised and is being used to adversely affect my credit profile. TRANSUNION has been negligent in their efforts to address this matter. PLEASE COMPLY WITH FCRA REGULATIONS AND DELETE THIS ACCOUNT IMMEDIATELY!
Consumer complaint received 2023-05-28
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. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX # XXXX, 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
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

While I was in the process of trying to rent an apartment my credit got pulled and I saw several things that did not belong to me on my credit report. Can these items please be removed from my credit report. XXXX  XXXX XXXX  XXXX  XXXX {$500.00} XXXX XXXX XXXX {$83.00} XXXX XXXX {$550000.00}