davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Regarding XXXX XXXX : I viewed my XXXX credit report today and my credit score has dropped because of the investigation with XXXX XXXX. Who ever heard of submitting a dispute and all of a sudden, your credit score gets worse? Truly unbelievable. Once again, this account was NEVER in collections. I was never notified by mail or email or phone. Even when I spoke with XXXX, they said the account was never in collections. According to my credit report from XXXX it shows I was in collections for {$900.00} for the month of XXXX. This is a classic example of a major company not communicating with another department within their company. That account was paid in full on XXXX XXXX, XX/XX/2023. How can I have a collection account with them for the month of XXXX when it was paid to a XXXX balance on XX/XX/2023? ( Document provided ) What did they wait until I paid them off and then say I was in collections on the same day? If you view the documents, I'm providing you'll see according to them on XX/XX/2023 I paid them {$840.00}, and it shows the remaining balance owed to them is XXXX. On XX/XX/2023, I paid them {$900.00}, and it shows the remaining balance owed to them is XXXX How could I have a collection account on this account from XX/XX/2023 to XX/XX/2023 when both receipts SHOW a XXXX balance owed. This account was never in collections, and I want it removed from my credit report and I want my credit points reinstated immediately.
Consumer complaint received 2021-09-06
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: World Acceptance Corporation (AL)

I had several accounts charge off I paid off for deletion and the charge off still on my credit as well as some accounts report that should be deleted and report wrong. This has take a toll on me mental where I cant even get loan for my business. Ch XXXX need be taken off because I never went through it. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX World fiancXXXX XXXX collection report collection that was false took my score down 70 point. I paid them also old account. This has effect me I work so hard pull up my score and it has not help I paid over 5k in charge off and still reports negative as well repo that was sold and not liable for should be Delete instead report negative against me a lot the info is wrong my report I have disputed it all three credit bureaus and still no action on their part
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NC)

I recently opened an AMEX XXXX XXXX account on XX/XX/XXXX. I had an offer on my homepage for {$25.00} off a $ XXXX purchase at XXXX XXXX XXXX XXXX XXXX ) if done by XX/XX/XXXX. I completed a purchase for a yearly subscription for {$53.00} on XX/XX/XXXX and received an email that day from XXXX stating my card was processed and I was given access to the website. By XX/XX/XXXX I had not seen the credit applied to my account and contacted customer service. They stated because the transaction didn't post to their system until XX/XX/XXXX that I was not eligible to receive the {$25.00} statement credit. I asked if I could have the charge reversed because I felt that as a condition of purchasing the subscription was that I would receive a {$25.00} statement credit. If I no longer qualified I did not want access to the subscription service. I was told no that they were unable to do that and have since filed a complain with the CFPB.
Consumer complaint received 2022-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (MD)

I am awaiting a response regarding my mortgage interest payment reported to IRS for XXXX XXXX XXXX and additional information regarding interest from XXXX XXXX  XXXX, A Division of XXXX, XXXX on behalf of note owner Bank of New York as of today, XX/XX/XXXX. I received two written letters dated XX/XX/XXXX, See Exhibit # 1 and XX/XX/XXXX, See Exhibit # 2, from XXXX XXXX XXXX, A Division of XXXX, XXXX of XXXX, XXXX on behalf of note owner Bank of New York. These two letters contradict a different set of two letters dated XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX, A Division of XXXX, XXXX of XXXX, MI on behalf of Bank of New York, the noteholder, with both letters stating, " We are working to gather the requested information and will forward it to you as soon as possible. '' Therefore, this is XXXX and I am demanding the answers to the following questions in regard to XXXX # XXXX for property XXXX XXXX XXXX, XXXX, MD XXXX : XXXX. What date that XXXX XXXX XXXX sent the original IRS Form 1098 for XXXX to IRS? 
2. What date that XXXX XXXX  XXXX sent the corrected IRS Form 1098 for XXXX to IRS? 
3. What date that XXXX XXXX XXXX sent the original IRS Form 1099-INT for XXXX to IRS? 
4. Where is the Escrow Analysis for the period XX/XX/XXXX to XX/XX/XXXX with all consecutive months? 
5. Where are the copies of the IRS Form 4506, IRS Form 4506-T that XXXX XXXX XXXX has on record for me with XXXX, XXXX as the third-party requestor ; XXXX. Where are the copies of the IRS Form 4506, IRS Form 4506-T that XXXX XXXX XXXX has on record for me with XXXX XXXX XXXX as the third-party requestor? 
7. What is the name of the contact person at XXXX XXXX  XXXX and XXXX, XXXX for the IRS Form 2624-Consent for Third Party Contact that I am preparing to submit to the IRS? 
8. What is the name of the contact person at Bank of New York, the note owner of my mortgage loan for the IRS Form 2624-Consent for Third Party Contact that I am preparing to submit to the IRS? 
9. Where are the copies of any documents with SXXXX XXXX XXXX XXXX XXXX XXXX that I signed giving them the authorization or written consent to release my NPI ( Non-Public Information ), as defined by GLBA, Gramm Lilley Beach Act, to third parties?
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 

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
Consumer complaint received 2024-02-23
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: Experian Information Solutions Inc. (CA)

I am reaching out to revisit the matter of unauthorized hard inquiries present on my credit report, which I previously disputed. Despite my initial communication, I have yet to receive any acknowledgment or confirmation regarding the removal of these inquiries from my credit profile. My concern persists regarding the inclusion of unidentified information in my report, and I find it necessary to reiterate the seriousness of this issue.
Consumer complaint received 2022-12-27
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. 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 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 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 15 USC 1681 Section 602 A- States I have the right to privacy. 

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-30
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. (FL)

The injuries and inaccurities remain on my credit unverified. XXXX continue to provide and furnish all of these inquiries on my credit profile under my social security number. I have proof of USPS priority postages that my disputes was indeed signed for. XXXX continue to ask for proof of identity when I sent them a utility bill, ID, and a copy of my social because they demanded I turn these forms over to verify the account. I now they are committing fraud on behalf of my social security number. The inquiries is still unmarked or disputed to this day. Please Remove Now.
Consumer complaint received 2020-01-09
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

Filed a dispute with capital one credit card and was not credited back for a item that was purchased and then returned to the merchant. Transaction XXXX to XXXX was returned in there 60 money back satisfaction guaranteed. I was never credited back by the company who mailed the counterfeit product, so I filed a dispute with Capital One credit card. Capital one took the side of the merchant and will not credit this amount back account, even after I have done everything to receive the refund.
Consumer complaint received 2023-11-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to you in an urgent and distressed state, seeking your immediate attention to a matter that is adversely affecting my mental health and financial well-being. My credit report, as provided by your bureau, includes a fraudulent account that has been consistently tarnishing my record. I am writing to formally dispute this account and request its immediate deletion. 
XXXXXXXX XXXX XXXX XXXX  -PLEASE DELETE!!!! 
It is with great frustration and distress that I address this matter. I have recently become aware that I am a victim of identity theft, and this fraudulent account is a direct consequence of this malicious activity. This situation has taken a toll on my mental health and is causing severe stress and XXXX  as I am wrongly facing the consequences of someone else 's actions. 
Despite my efforts, the presence of this fraudulent account on my credit report continues to impact my financial standing and personal well-being. I implore you to consider the gravity of this situation and take immediate action to delete the fraudulent account from my credit report.
Consumer complaint received 2022-02-19
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: Experian Information Solutions Inc. (NY)

I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc. (LA)

I am writing this complaint concerning an inaccurate account and violations per the FDCPA and FCRA regarding an alleged debt place on my consumer reports by a debt collection company called SST. I have never had communication from this company. I have disputed this alleged debt through the consumer reporting agencies, and it returned verified as accurate when the account is in fact inaccurate. I have mailed this company a debt validation letter and I did not receive a response. I did not receive any disclosures regarding this debt, and I did not receive enough information regarding this debt. SST is damaging my reputation per 15 USC 1692d1, they are violating 15 USC 1681s-2 ( a ), and the fact that they did not validate the alleged debt, verified it as accurate as accurate, but continued to report inaccurate account information regarding this alleged debt constitutes fraud per 18 USC 1001 . This company does not have a license to collect in the state of LOUISIANA. The account they furnished is also missing payments. The payments start as " 90 days late ''. This is account is practicing deceptive and abusive behavior.
Consumer complaint received 2022-12-28
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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
Consumer complaint received 2022-12-28
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XX/XX/XXXX
Consumer complaint received 2022-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I, XXXX XXXX have submitted a CFPB complaint from XX/XX/XXXX to Transition and XXXX XXXX XXXX XXXX and still haven't heard back with today 's date being the XXXX of XXXX. I, XXXX XXXX have first started my complaints to Transunion dating back to XX/XX/XXXX regarding a XXXX XXXX XXXX XXXX that was fraudulently opened in my name as a result of identity theft. All the bureaus removed this issue expect Transunion even though I completed the necessary pre-requisites in which I obtained a police report and filled out an identity theft report. I had obtained my Police Report from XXXX Police Department in XXXX. It has been over 90 days since I heard from transition or the credit regarding the investigation of this case and this is every hurting my credit report where I can't even get a home. Also, this is extremely illegal what Transunion is doing they have failed to answer my demands, as well as illegally held information not pertaining to me or my record on my credit report even after receiving documentation that it does not belong to me which vastly breaks FCRA laws and regulations. I will pursue with legal counsel and this will be my last CFPB report if this can not get fixed. You can also see my previous complaint IDS under the # XXXX XXXX, XXXX, and XXXX. Pursuant to 15 U.S. Code 1692e ( XXXX ) ( A ) by giving also representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( XXXX ).
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (DE)

Home Depo is still reporting Incorrect High Balance History and Inconsistent Dispute Responses to the Credit Reporting Agencies. They claim they are not in their XX/XX/XXXX response to my CFPB COMPLAINT. ( See attached Screenshot of my XXXX Online Dispute Results ) I was advised by an XXXX Representative that as of XX/XX/XXXX, the Home Depot Account was being processed to be DELETED from my Credit Report by all Credit Reporting Agencies. ( See attached XXXX Report awaiting Deletion beginning XX/XX/XXXX ) Citi Bank also admitted in their XX/XX/XXXX letter of Response to the CFPB that Home Depo did not provide them Documentation during the Investigation Period ( 2 Billing Cycles ) of my XX/XX/XXXX Dispute. 
They also admitted in the above mentioned letter that 4 Billing Cycles later, they Charged me again for that same Disputed Purchase of {$2900.00}. This is a breach in their Credit Card Contract Regarding the Dispute Process. 
They continued to Bill me for the Disputed amount with Interest, and Included it in my Total Balance, therefore Reporting Incorrect Information to the Credit Bureaus.
Consumer complaint received 2022-12-27
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. (GA)

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 2023-03-16
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX
Consumer complaint received 2024-02-23
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 have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. From my investigation these accounts listed do not belong to me.
Consumer complaint received 2023-02-12
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. (WI)

I received a copy of my credit report and noticed that there was a hard inquiry from XXXX XXXX on my Trans Union credit report. I haven't had my credit polled in over two years I never authorized, gave permission or signed an application to have my credit polled, I mailed a certified letter to XXXX XXXX  and Transunion and they were both received by them on XX/XX/XXXX. I asked for this hard inquiry to be removed after an investigation was done, and to provide proof that I applied for a loan, and for my credit to be pulled.. I never received any information from either place. I received an adverse action letter from XXXX XXXX, and that is all communication that I've received from them!
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is 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 personal information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.