davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (GA)

REOPENING COMPLAINT : XXXX THIS IS NOT RESOLVED. 
The inspector came out and XXXX did issue a PORTION of the insurance money they were holding. However, the inspector called to say that she did not get pictures of one of the repair areas and would need to come back. Until her report is complete the balance of the funds will not be released by XXXX. The inspector was to come back on Monday, XX/XX/XXXX. Today is THURSDAY, XX/XX/XXXX. There has been no COMMUNICATION at all from the inspector. So, the issue is NOT RESOLVED because the same issue is repeating by the inspector failing to show up or call. This is NOT CLOSED. XXXX needs to respond and get on this ASAP. We have to pay the contractors! They came on Monday, expecting to be paid. 
XXXX STILL HAS NOT COMPLETED WHAT THEY NEED TO DO TO RESOLVE THIS ISSUE. JUST BECAUSE THEY ARE EXPLAINING THINGS DOES NOT NEGATE THE FACT THAT THEY STILL ARE HOLDING FUNDS DUE TO THEM DELAYING THE INSPECTION AND NOT HAVING THE COURTESY TO COME TO COMPLETE THE INSPECTION AS PROMISED. OUR TIME IS VALUABLE AND WE MAKE SPECIAL ARRANGEMENTS TO MEET THE INSPECTOR AT THE AGREED UPON TIME ONLY FOR THEM TO BE A NO SHOW. WE NEED THE BALANCE OF THE FUNDS SENT TO US ASAP SO WE CAN PAY THE CONTRACTORS.
Consumer complaint received 2020-03-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Strategic Automotive Servicing, LLC (FL)

This is my 3rd complaint with this company. The continued to report incorrectly on my report and I never received the credit of {$120.00} as per response from complaint XXXX. I went ahead and paid my last payment in XX/XX/2019 which did not exclude the {$120.00} credit which was never applied to the loan. I paid the amount given by the rep to end this nightmare and receive my title. I received a call back in XXXX advising I still owed $ XXXX because of late fees. I explained to the rep I should NOT have any balances as I paid what I was told and I never received the {$120.00} credit. I advised which they owe me {$120.00}. I told her to minus the $ XXXX from the {$120.00} and send my title. She advised no, I need to pay. I declined. I have spoke to several people who of course told me they are no longer allowed to email me because I use those emails as documentations against the company. They have refused to send me a payment history. They have refused to allow any of my request to send my title. 
They are now harassing my ex husbands family which I never had ties with. They call my mom and brother daily. On last Thursday, I spoke with a rep who I at least listened to the situation. I faxed over the documentation showing that the {$120.00} was suppose to be removed and it wasn't. Haven't heard anything back but received a collection phone call on yesterday advising collection attempt. 
Every month we have went through the same round about. It is very crazy that I have paid all funds and they are holding my title for now $ XXXX. 

No one would provide a manager name, address, email address or phone number. At this point they are attempting to collect a debt that is no longer a debt and harassing my family members. 

I would like to have my title and the {$120.00} that was never applied to my account ; as this loan is paid in full. My credit history reported correctly as asked back in complaint XXXX.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I XXXX XXXX NEVER GAVE THESE AGENCIES ANY CONSENT OR AUTHORIZATION TO REPORT THIS ACCOUNT TO MY CONSUMER REPORT!!!!! EXPERIAN, XXXX, XXXX  ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. IM A PROTECTED CONSUMER AND KNOW MY RIGHTS!!!!!!
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The three bureaus continue to report inaccurate medical information on my credit report. They are originally removed and placed back on my credit profile causing impact and violating my rights and HIPAA rights and need to complain. IN addition there are collection accounts for and account I never had and showing open yet in collection and no proof of contracts have yet to be provided in my 3rd attempt.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I called in a few times in XXXXXXXX XXXX XXXX to please update the information accurately to my credit report that I paid XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023 on time and in full and they ignored me and told me that my mind was playing tricks on me and that I am crazy. I asked for a manager and it hung up on me.
Consumer complaint received 2023-05-05
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. (AZ)

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 : Account Name XXXX XXXX # XXXX XXXX : Account Name XXXX XXXX # XXXX XXXX : Account Name XXXX XXXX  # XXXX XXXX : Account Name XXXX  XXXX # XXXX XXXX : Account Name XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX : Account Name XXXX XXXXXXXX # XXXX XXXX : Account Name XXXX XXXX last XXXX # XXXX XXXX XXXX Account Name XXXX XXXX  last XXXX # XXXX 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 writter 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.C. 1681s-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 2020-03-13
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$540.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account.
Consumer complaint received 2022-12-31
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. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 

XXXX XXXX XXXX XXXX XXXX, NC XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (MI)

There are several inaccuracies on my consumer report that i would like removed all names and variations of any names should not be present on my credit report under the name section I would only XXXX XXXX on my consumer report. no other names. There are several non mailable addresses that I can never be reached at on my consumer report that i would like removed. only the address XXXX XXXX XXXX XXXX XXXX should be present on my account XXXX XXXX XXXX Have the derogatory remarks that i want removed pursuant the laws that protect me the consumer found in 15 U.S. Code 1681a remarks : - '' XXXX XXXX XXXX  '' - 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX - 60 days late XX/XX/XXXX - 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Hard Inquiry Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information XXXX XXXX XXXX this account is listed as XXXX XXXX XXXX XXXX  Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Past Due : XXXX $ XXXX Account Type : Open Account Individual Account Open Account DEBT BUYER On XXXX this account is listed as XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX On XXXX its reported as PXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX yrs, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. Remarks Consumer disputes after resolution Collection account Original Creditor Name No Info according to the FCRA, Section XXXX, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on XXXX XXXX XXXX - XXXX of information, statements and data & XXXX CFR XXXX - Responsibility for accuracy, completeness, currency, And integrity.i am asking that this inaccurate information be removed Immediately
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

There are several inaccuracies on my consumer report that i would like removed all names and variations of any names should not be present on my credit report under the name section I would only XXXX XXXX on my consumer report. no other names. There are several non mailable addresses that I can never be reached at on my consumer report that i would like removed. only the address XXXX XXXX XXXX, MI XXXX should be present on my account Accounts XXXX Bank Have the derogatory remarks that i want removed pursuant the laws that protect me the consumer found in 15 U.S. Code 1681a remarks : - '' Payment Status Charge-off '' - XXXX days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX - XXXX  days late XX/XX/XXXX - XXXX days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Hard Inquiry Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information XXXX XXXX XXXX this account is listed as XXXX XXXX  # XXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Banking ) Past Due : XXXX $ XXXX Account Type : Open Account Individual Account Open Account XXXX XXXX On XXXX this account is listed as XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX USA ), Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX On XXXX its reported as XXXX XXXX XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. Remarks Consumer disputes after resolution Collection account Original Creditor Name No Info according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that this inaccurate information be removed Immediately
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Comerica (WI)

I believe Comerica bank the underwriter of DIRECT EXPRESS for XXXX is discriminating based upon XXXX. Id like to speak to someone in person. 
Theyre not giving a routing number to EVERYONE only in certain states and then it is a group. Thus defining the XXXX. 
Also using 2 numbers to dedicate at the start of each cards number who is getting funds and who is not. 
I can not file my taxes or recieve my stimulus because of them. 
THE SHEER FACT THAT I HAVE TO DO ALL THIS TO GET A ROUTING NUMBER IS PROOF IT IS XXXX DISCRIMINATION. HOW WOULD SOMEONE WHO IS HOMELESS BE ABLE TO EVEN MAKE A COMPLAINT.
Consumer complaint received 2021-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On XX/XX/2021 I reached out to the credit companies about a few errors that I saw on my report. It's been over 30 days not and I still have yet to hear anything back from they. I have been checking my credit report to see if anything change but everything is still the same.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the Unite States ) that the foregoing is true and correct to the best of my knowledge. Further, I declare that I am authorized by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating various accounts. All are being investigated by FTC.
Consumer complaint received 2022-12-31
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. (LA)

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 2022-12-31
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. (CA)

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 : SOCIAL SECURITY XXXX 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 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
Consumer complaint received 2022-12-31
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (PA)

Discover is reporting negative information in a form of late payments to the consumer reporting agencies ( XXXX, XXXX, XXXX ) in reference to me as the consumer. Pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ), no federal law under the Fair Credit Reporting Act requires a financial institution to furnish negative information about a consumer to a consumer reporting agency. Furthermore, under the Federal Truth In Lending Act 15 USC 1666b ( a ) state that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. As a financial institution, as defined under the Gramm Leach Bliley Act, Discover failed to perform their obligation to respect and protect my privacy. Discover failed to provide me an adequate opt out notice and Ive NEVER granted Discover any lawful consent to disclose my nonpublic personal information to any nonaffiliated third party pursuant to 12 CFR 1016.7. By willfully reporting negative information to the consumer reporting agencies WITHOUT MY CONSENT constitutes as a form of punishment to defame my character. Discover actions are identified under 18 USC 894 for knowingly participating in any way, or conspiring to do so, by using extortionate means to punish me as the consumer. Having expressed these federal violations Discover breaking under the Fair Credit Reporting Act, Truth in Lending Act and Gramm Leach Bliley Act, I am demanding Discover to CEASE AND DESIST these illegal actions. Pursuant to 12 CFR 1016.7 ( g ) Discover is required to comply with this opt out notice upon receipt and comply with the follow
Consumer complaint received 2020-03-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Forster, Garbus and Garbus (NJ)

Forster Garbus and Garbus calls me from spoofed numbers and now from a hidden number. I told this company to leave me alone 3 YEARS AGO and they're still calling me. Enough is enough.
Consumer complaint received 2022-12-31
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. (CA)

ACCORDING TO 15 USC 16811 - XXXX, TRANSUNION AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS AND DELETE UNKNOWN INQURIES- VIOLATIONS OF THE FAIR CREDIT ACT
Consumer complaint received 2023-02-13
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. (PA)

I sent a letter on XX/XX/XXXX to remove these inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.