davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I filed a dispute to remove the inaccurate information about bankruptcy chapter XXXX and dismissed bankruptcy on my personal credit. I had sent a copy of the Bankruptcy XXXX XXXX XXXX New Jersey stating they do not report to the credit bureau. In addition, do not authorize any third party to convey information to the credit bureau. I had requested the bankruptcy information be removed from my personal credit report. The credit bureau had failed to remove the information that was not reported by the Bankruptcy XXXX XXXX XXXX New Jersey.
Consumer complaint received 2022-05-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I ordered a copy of my report I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax / XXXX / XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the folowing accounts. I believe they were error in the following accounts : XXXX  XXXX Balance : XXXX XXXX XXXX Balance : {$350.00}
Consumer complaint received 2022-05-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I ordered a copy of my report I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / XXXX / TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the folowing accounts. I believe they were error in the following accounts : XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$350.00}
Consumer complaint received 2022-05-31
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. (MD)

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions
Consumer complaint received 2022-05-31
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. (IL)

n accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX XX/XX/2016 ( {$1600.00} ) XXXX XXXX XXXX ( {$2400.00} ) ( XXXX ) XXXX XXXX XXXX ( {$500.00} ) XXXX XXXX XXXX XXXX ( {$520.00} ) XXXX XXXX XXXX XXXX ( {$240.00} ) ( XXXX ) XXXX XXXX XXXX  ( {$17000.00} ) XXXX XXXX Account # XXXX has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-31
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. (IL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XX/XX/2016 ( {$1600.00} ) XXXX XXXX XXXX ( {$2400.00} ) ( XXXX ) XXXX XXXX XXXX ( {$500.00} ) XXXX XXXX XXXX XXXX  ( {$520.00} ) XXXX XXXX XXXX XXXX  ( {$240.00} ) ( XXXX ) XXXX XXXX XXXX ( {$17000.00} ) XXXX XXXX Account # XXXX has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-12
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX. As well as unauthorized hard inquiries that were reported as follows XXXX XXXX  XXXX, XXXX XXXX XXXX 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 and 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 2018-09-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION (FL)

It is important that the CFPB review and post this complaint as a matter of public interest. On XX/XX/2018, The Second District Court of Appeals of Florida issue a decision of great public importance regarding the enforceability to a HELOC note in the State of Florida. The second District Court of Appeals came to the same conclusion as to the Fifth DCA Court of appeals and held THAT A LINE OF CREDIT ( HELOC ) WAS A NONNEGOTIABLE INSTRUMENT BECAUSE IT WAS NOT FOR A FIXED SUM. THE HELOC NOTE FALS TO REQUIRE THE PAYMENT OF A FIXED AMOUNT OF MONEY, MAKING IT NONNEGOTIABLE INSTRUMENT. AS SUCH, IT WAS NOT SELF-AUTHENTICATING. THE HELOC NOTE IS NOT A SELF-AUTHENTICATING NEGOTIABLE INSTRUMENT. BY ITS OWN TERMS, THE NOTE ESTABLISHES A CREDIT LIMIT OF UP TO XXXX FROM WHICH WE COULD REQUEST IN ADVANCE AT ANY TIME. FURTHER, THE NOTE PROVIDES THAT ALL ADVANCES AND OTHER OBLIGATIONS WILL REDUCE YOUR AVAILABLE CREDIT. THE HELOC NOTE WAS NOT AN UNCONDITIONAL PROMISE OR ORDER TO PAY A FIXED AMOUNT OF MONEY. WITH OR WITHOUT INTEREST OR OTHER CHARGES DESCRIBED IN THE PROMISE OR ORDER. THE DISTINCTION IS NOT ESOTERIC LEGALESE. FLORIDA LAW IS CLEAR THAT A NEGOTIABLE INSTRUMENT IS AN UNCONDITIONAL PROMISE OR ORDER TO PAY A FIXED AMOUNT OF MONEY. 673.1041 ( 1 ), FLA. STAT. ( 2012 ). IN XXXX XXXX XXXX V. XXXX XXXX XXXX SECOND DISTRICT FLORIDA COURT OF APPEALS, THE APPELLANT ARGUED BEFORE THE COURT THAT THE ENDORSEMENT ON THE NOTE WOULD MAKE THE NOTE NEGOTIABLE AND THEREFORE ENFORCEABLE. THE COURT OF APPEALS HELD THAT EVEN WITH ENDORSEMENT PLACED ON THE HELOC, THE INSTRUMENT IS NONNEGOTIABLE BY ITS OWN TERMS. IT IS NOT A FIXED AMOUNT TO PAY A SUM OF MONEY, RATHER IT ESTABLISHED THE MAXIMUM AMOUNT OF BORROWING POWER EXTENDED TO A BORROWER BY A LENDER, TO BE DRAWN UPON BY BORROWER AS NEEDED. SEE LINE OF CREDIT BLACK LAW DICTIONARY, 949 ( 8TH ED. 1999 ). AT THIS JUNCTURE WE ARE GOING TO FILE AN INDEPENDENT LAW SUIT AGAINST BB & T BANK FOR ENFORCING THE TERMS OF A HELOC NOTE WHERE IN THE STATE OF FLORIDA THE INSTRUMENT IS NONNEGOTIABLE.
Consumer complaint received 2022-05-31
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I ordered a copy of my report I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / Experian / XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the folowing accounts. I believe they were error in the following accounts : XXXX  XXXX Balance : XXXX XXXX XXXX Balance : {$350.00}
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX is reporting that I am 30 days late for XX/XX/2018. I have never been 30 days late ever. I reported a dispute thru the credit agencies and it came back with no change. I then contacted XXXX XXXX XXXX and the representative said that they were very busy and would review my account and get back to me. I asked to have my payment history sent to me with a letter stating never 30 days late and they refused. They said to just file another dispute with the credit agencies and they would get to it when it was in for review. So I did submit another dispute and they still have not updated it. I have never been 30 days late. This is unacceptable and it is a defamation of character.
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (VA)

In XXXX 2015 I received telephone call from a debt collector representing the office of attorney XXXX XXXX XXXX. The representative offered a settlement for a past XXXX debt. We agreed to a payoff of {$380.00}. I paid and a manager indicated the amount agreed would reflect on my credit report. My credit report shows the debt paid however not the {$380.00} agreed. 

Please see the attachment from XXXX XXXX XXXX 's office.
Consumer complaint received 2020-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

XX/XX/XXXX account opened Amount owed- {$1000.00} Company Name- Common Wealth Financial Not my debt, havent been to the hospital since XX/XX/XXXX and I had insurance to cover my visit and I go to the walk-in click for my dr visit I pay cash ... there is no way the account that was opened in XX/XX/XXXX is my debt!!!
Consumer complaint received 2018-09-28
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: EQUIFAX, INC. (SC)

I sent a certified dispute to Equifax and it was received on XX/XX/2018. I called to do a follow up on XX/XX/18 and I was told that they didn't receive a dispute from me. I told them that I had a copy of the return receipt. I have reported them to the XXXX in XXXX GA. I have called Equifax several times to get this matter resolve, but they keep giving me the run around. I sent them a letter and told them I would sue them. Still they haven't responded.
Consumer complaint received 2018-09-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

XXXX XXXX XXXX XXXX in XXXX XXXX, Ca., Rushmore Loan Management Services in XXXX , Ca., XXXX XXXX , XXXX, and XXXX XXXX, XXXX  are trying to foreclose on my home in XXXX XXXX when none of the companies listed above is licensed to do business in the state of California.
Consumer complaint received 2018-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

capital one card, state that someone has open anccount in my named, that's being reported,30days late,60days late, aftering finding this problem is going on they refuse to correct this, problem, they owe me a deposit of XXXX. dollar, on the only account that I opened with them, ending in XXXX, which I closed.
Consumer complaint received 2019-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CA)

On XX/XX/XXXX, ( 2 days after I turned XXXX XXXX XXXX ) I received a demand letter from XXXX stating " resolving a long over due debt is never easy '' demanding that I send XXXX {$100.00} that was allegedly charged off in XX/XX/XXXX ( I was a minor at that time ) I have no idea why I am receiving demand letter from XXXX
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2018-09-28
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. (IL)

Transunion is reporting a collection account from XXXX XXXX XXXX and XXXX XXXX XXXX on my credit file that do not belong to me. Transunion deleted XXXX XXXX XXXX from my credit file on XX/XX/2018 ( please see attachment ), and therefore this account should not have been placed back onto my credit file.Transunion refuse to conduct a reasonable investigation into this erroneous reporting from XXXX XXXX XXXX and XXXX XXXX XXXX. As required under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A, Transunion failed to provide me physical verification of an original signed consumer contract with my Signature on it that 100 % positively verify these accounts belong to me. Therefore I believe I'm a victim of mistaken Identity.

Transunion is reporting an account from XXXX XXXX   that do not belong to me. Transunion refuse to conduct a reasonable investigation into the reporting from XXXX XXXX.
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Real Time Group, Inc. (NV)

Real Time Resolutions purchased a debt from XXXX  XXXX XXXX and re-aged the debt. I fell behind in XXXX with XXXX  XXXX XXXX and Real Time Resolutions purchased it in XXXX and that is the date they are reporting.
Consumer complaint received 2017-07-28
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. (IL)

There is a account in collection on my Experian Credit report that is incomplete information and can not be verified and it still remains on my credit file. I have provided documents of the account and what missing and inaccurate information is on my file. I have also provided a letterhead document from the original furnisher of the account stating what I am disputing. This account must be deleted from my credit file immediately.
Consumer complaint received 2019-04-27
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. (IN)

My identity was compromised while I was oversees serving in the U.S. Military between XX/XX/XXXX - XX/XX/XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 


XXXX XXXX 1. XX/XX/XXXX XXXX XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX
Consumer complaint received 2020-12-20
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. (IL)

on XX/XX/2020 I sent out a letter to XXXX XXXX, XXXX and Experian, notifying them that after checking my credit report there were several credit inquires that I did not authorize on my credit report. I requested they validate the information and provide me with copies of any documentation. After receiving no response after 60 days i sent a 2nd letter on XX/XX/2020 demanding to follow up. I still have yet to receive any validation or proof of an investigation or investigation method.
Consumer complaint received 2018-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ZIONS BANCORPORATION (GA)

This is my third complaint regarding Zion 's Bank. I am firmly convinced that there is a conspiracy to deliberately stack transactions in a manner that would result in illegal NSF and other fees to Zion 's bank customers.

Zion 's bank is a RICO conspiracy devoted inter alia to illicit engage in such behavior as would result in their mostly economically disadvantaged customers paying hundreds upon hundreds of dollars in illicit NSF fees.

I am currently liable for {$140.00} in NSF fees SOLELY because of the stacking of transactions. I constantly keep an eagle eye on my outstanding balance with the aid of my electronic application. Every time I use my card, the amount is IMMEDIATELY deducted falsely leading me to believe that it is helpng me ascertain my AVAILABLE BALANCE.

HOWEVER, Zion 's Bank has a delberate policy of ignoring the available balance and charging monies on the available balance in the form of NSF fees claiming that the AVAILABLE BALANCE accessible to customers is irrelevant and making contemptuous excuses in a bid to charge NSF fees.

Zion 's Bank is an ongoing criminal conspiracy which robs the most vulnerable segment of society and which should be forced to disgorge its illicit profits and shut down as a RICO operation and I respectfully seek your assistance as a US Citizen and taxpayer.
Consumer complaint received 2022-05-31
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XX/XX/2020
Consumer complaint received 2022-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

My account was opened on XX/XX/2022 I deposited XXXX dollars within 30 days on XX/XX/2022. 

There is currently a balance of over XXXX dollars as of today XX/XX/2022 which is 54 days after the initial deposit. The bonus said it would post within 45 days if the account has been open for more than 60 days. Which it has.
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, trans union, XXXX credit reports. Are wrong. Address and accounts I never opened. I know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX and out XXXX amount of XXXX. Joint account with a person I dont know never lived in Florida till XX/XX/2017!! 2 accounts from the same company first fraud account XXXX XXXX XXXX amount of XXXX. 2nd fraud account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud fake!! Not mine!!
Consumer complaint received 2022-05-31
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: EQUIFAX, INC. (NC)

I value your help to DELETE a portion of the data in my credit file that came about because of a FRAUD yet I have certain Accounts passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX  XXXX Balance : {$110.00} ; XXXX  XXXX Balance : {$140.00} ; XXXX  XXXX Balance : {$180.00} ; XXXX  XXXX Balance : {$66.00} ; XXXX  XXXX Balance : {$50.00} ; XXXX  XXXX Balance : {$50.00} ; XXXX  XXXX Balance : {$50.00} ; XXXX  XXXX Balance : {$90.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$90.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$110.00}
Consumer complaint received 2022-05-31
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 value your help to DELETE a portion of the data in my credit file that came about because of a FRAUD yet I have certain Accounts passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX  XXXX Balance : {$110.00} ; XXXX  XXXX Balance : {$140.00} ; XXXX  XXXX Balance : {$180.00} ; XXXX  XXXX Balance : {$66.00} ; XXXX  XXXX Balance : {$50.00} ; XXXX  XXXX Balance : {$50.00} ; XXXX  XXXX Balance : {$50.00} ; XXXX  XXXX Balance : {$90.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$90.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$110.00}