davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (MN)

I sent letters to the credit bureaus asking them to verify debt on my report and according to their investigation account XXXX came back as verified. 
By law 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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. 

If you take a look at my most recent credit report, you can identify the inaccuracies on the report which is a violation of the FCRA and subject to further legal action. In the comment section its noted the account has been disputed but reporting incorrect information.
Consumer complaint received 2022-04-15
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: Exeter Finance, LLC. (CA)

Exeter Finace LLC violated my rights on XX/XX/2022. 

The viloated laws were 15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1692c
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Never opened an account with XXXX XXXX they are saying the account was closed right after it was opened to protect my identity but they are reporting a credit card balance on my credit report but I have never used a capital on credit card. This is a mistake that needs to be fixed asap.
Consumer complaint received 2023-02-22
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)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Consumer complaint received 2020-12-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-22
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 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 this account ( A ). It is not permissible to fail to validate this reporting account 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 update XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc. (TX)

On XXXX of XXXX, I atarted to recieve notice from XXXX  that changes had been made to my credit report. I got in touch with Experion to find that there where two physian offices that had sent several bills to a credit agency for nonpayment ... I have never recieved these bills, and if I had recieved a bill I would of called to let them know that my visits should be paid Medicaid, wich I have had for the past 25 years.. When I went to my Drs appointment they took a copy of my insurance, and Driver License that had correct address on it. I am not just understanding why these bills where never sent to me ... I hve contacted the collection agency and they stated that they sent bills to an address that I have not lived at in 15 years ... I also tried to give them my medicaid information and he stated that it was to late to bill Medicaid due to some of the bills are several years old. i contacted Medicaid and they stated that they will only pay past due bills that are only 3months old no exception. Now i dont understand why would I be held responsible for these charges if they have a copy ofmy Medicaid card, drivers license, and complete address. if they did not except Medicaid why woould they see me? If for some reason they could not bill medicaid I should of been informed so I could of at least try to figure out the reason for nonpayment, wich doesnt make since to me due to I am 100 % covered through Medicaid. Below are the companies that are involved XXXX XXXX. XXXX  {$510.00} Collection opened XXXX balanced updated XXXX XXXX XXXX. XXXX  {$2000.00} Collection opened XXXX XXXX Balanced updated XXXX XXXX  XXXX.of XXXX Texas {$360.00} Collection opened XX/XX/XXXX Balance updated XX/XX/XXXX XXXX XXXX  XXXX  {$290.00} Collections opened XX/XX/XXXX Balanced updated XX/XX/XXXX All of these debts where placed on my vredit at the same time ... from years ago and I can prove I had Medicaid at these time and someond dropped the ball and did not bill Medicaid and didnot take the time to send the bill to me and the collection agency still has not sent me abill even after my phone call to them..They keep adding these depbts back on my account as if they are knewly opened accounts ... .so my credit rating is dropping. please help me fix this situation ... .The collection Agency is CREDIT SYSTEMS INT IN
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$690.00} XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$890.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/20XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2022-09-29
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. 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 XXXX i made this clear for 60 days straight with transunion 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 XXXX 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 Transunion. 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-09-29
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. (DE)

" XXXX XXXX '' continues, still to report inaccurate information on all three major credit bureaus. I have disputed in which they never provided me with ANY requested proof of debt or VALIDATION METHODS. THIS IS AGAINST THE LAW. 

I also created an identity theft affidavit and submitted this in my recent complaint. The result was that they simply " updated '' the account on XXXX, which was literally just the same information on the account as before. 

DELETE THIS FROM MY CREDIT REPORT BECAUSE IT IS FRAUD. I NEVER AUTHORIZED THIS ACCOUNT AT THE AGE OF XXXX. 

IT IS ALSO PAST 7 YEARS ON THE ACCOUNT, A CLEAR BREACH IN MY STATUTE OF LIMITATION RIGHTS. 

I WILL SUE IMMEDIATELY IF AFTER THIS COMPLAINT THE BUREAUS HAVE NOT DELETED THIS FROM MY REPORT.
Consumer complaint received 2016-12-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (MS)

RE Case number : XXXX In this complaint I spoke about paperwork being misplaced, lost and receiving form letter responses from Freedom Mortgage ( FM ) referencing fake extensions and fake names of CSR 's. Every time I have had any communications with FM its been either traceable, provable or with a additional person on the call to verify what I am speaking about is honest. This witness is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. We received a response from FM from a individual named XXXX XXXX through this complaint process. Since the original complaint more paperwork has been lost, and it took Freedom almost 10 days to process last months check ; which resulted in their announcing they will foreclose on this property is all payments are not received by XXXX 2016. Never mind this is part of my complaint they lose paperwork but process checks and then accept zero responsibility. So I put together yet another package and mailed to FM addressed to XXXX XXXX. XXXX XXXX the USPS attempted to get this package to XXXX XXXX, she could not be located. On XXXX XXXX the USPS again attempted to locate her, she was not located and reported back to be as not a individual who worked at FM. Again another check was enclosed in this package and while it was signed for FM states they do not have payment. The individual who signed for this package is XXXX XXXX ; who chances are is another fake name so this company is not held accountable. This all started in XX/XX/XXXX when my well pump and tank quit and had to be replaced. I spoke with the original mortgage company or the one who took care of my loan at the time it was no issue for them ; a few days later FM purchased my loan. Told FM the same story in XXXX was told no problem ; they could see prior to this hiccup I always paid on time via autopay and always paid more than what was due. My credit score in XXXX was over XXXX and since this comedy of errors its under XXXX with the only bad mark is FM and their mistakes. I understand I misunderstood the FM CSR in the original phone call but since then its been XXXX error after another. Now because of poor paperwork handling you can see I who was once a good credit risk can not even get a loan from a loan shark. I have tried to sell items ; I have turned to HOPE and the VA and neither can help since this is not a mismanagement of funds but an error I made to repair a well so I can have water to drink ; yet FM continues to drag this on. In the response from XXXX XXXX she states they need my taxes ; I have not filed taxes in years due to not working and on a VA XXXX ; simply I do not meet federal guidelines to process taxes. My last XXXX I processed while my daughter was still in college I made a minus value in reportable income. I did those taxes so my daughter could qualify for a grant in college. Attached is a letter sent to FM and other supporting documents.
Consumer complaint received 2022-09-29
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)

I sent my letter off XX/XX/2022. I told the credit bureaus they were reporting inaccurate & incomplete information on the accounts I have listed below. Also I have attached all of the letters I've sent out. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or e-mail in a fraudulent account. 

Also according to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. 

I have the credit report showing the inaccuracies Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX & US DEPT OF EDUCATION XXXX
Consumer complaint received 2023-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America intentionally delayed investigation into unauthorized and fraudulent transactions on my account. I was consistent with following up, provided plenty documentation and thorough analysis of the case. My money was used and abused by fraudsters in connection with merchants specifically grocery chains where my atm debit card was scanned and reused of purchase of goods not easily traceable. I spoke with bank multiple times stressing situation I was denied claim and message was sent via online banking stating claim not paid and I authorized transactions with signed contract. Not true because I didnt have any contacts with grocery store nor did I signed anything. Totally brazen action of the bank not to mention cruelty of their employees blatantly lying to me and being extremely disrespectful including discriminatory behavior towards me. I do speak English and I definitely demand a thorough investigation documents. I kindly requested re-investigation because I am confident my money was stolen by professional hackers and criminals. I have not received any response. If bank doesnt return / credit my money back to my account I have no other choice than follow law suit
Consumer complaint received 2022-10-19
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. (MD)

Unauthorized inquiries have appeared on my report from these creditors : XXXXXXXX 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
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union (CA)

I had a checking, savings, & credit card account with First Tech FCU for over 10 yrs. My line of credit was XXXX and my payments of {$300.00} each month were in very good standing until I missed a payment for XXXX 2022. It was an oversight. I was having health issues during XXXX & XXXX of 2022, and I was admitted by emergency at the XXXX XXXX XXXX XXXX where I underwent extensive testing and treatment for 2-days. 
I had been with that same bank branch location before it changed names a total of 3-times, ( over 20-yr 's ) I first opened my account at that branch when it was XXXX XXXX XXXX, XXXX XXXX XXXX changed to XXXX XXXX XXXX, and later became First Tech FCU. 
My direct deposit from my employment went to First Tech FCU, my mortgage payments were automatically paid thru my checking account. The bank failed to make my mortgage payment for XX/XX/2022 because they closed my account without notice. My excellent payments with my mortgage were negatively affected as a result. 
According to the Consumer Financial Protection Bureau, First Tech FCU violated the Fair Debt Collection Practices Act ( FDCPA ) when they garnished the entire amount of funds available in my checking account in the amount of {$4000.00}. without a court ordered judgement, & without proper notice. 
ADDITIONAL DETAILS I could no longer access my bank statements when my account had been closed. 
The bank was demanding full payment in an amount above the amount owed without reducing the unauthorized funds that First Tech FCU had garnished from my account. I did not agree to the demands and the banks agent wanted in the amount of {$650.00} a month ( previously {$300.00} a month ). 

A debt collector, " XXXX XXXX " with XXXX, XXXX contacted me last month in XXXX by sending me a validation notice. I responded and disagreed with the incomplete & inaccurate details that he provided ( See Attached item 1 & 2 ) XXXX XXXX replied again 1-week ago, but this time he made false & slandering accusations. ( See attached, item 3 ) His words were very offensive, false, and contrary to the integrity of my credit file in excellent status.

I recently discovered that the entire 10 yrs. of my payment history with First Tech FCU is missing from my credit report ( not displayed ). ( See Attached, item 4 ).

I have always strived to maintain an excellent status with my financial responsibilities, & payments debts, accounts, and creditors. request that this creditor 's derogatory reporting not be considered as a negative reporting at this time against the integrity of my credit history on file because I am pursing legal action against First Tech FCU.
Consumer complaint received 2022-02-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (MI)

An application was submitted and approved without my knowledge or involvement for a checking account in my name at Wells Fargo Bank on Saturday XXXX. I received a series of emails over a XXXX minute period documenting the the application and approval process. Upon receipt of the emails I immediately looked up the customer service phone number at Wells Fargo bank to address the newly opened account. The Wells Fargo Bank XXXX XXXX department did verify the account had been opened in my name. They informed me that the checking account was closed today and they will follow up via mail with the results of their investigation.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX, Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX Account # XXXX XXXX, and Account # 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 2022-04-15
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. (CA)

XXXX XXXX XXXX violated my rights on XX/XX/2022. 

The viloated laws were 15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1692c
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

Per 15 U.S. code 1681b XXXX XXXX XXXX used and reported my credit without my signature and I would like it removed off my credit along with all the negative marks that came with it.