davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
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. (TX)

In accordance with the fair credit report act conversion the following accounts XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX AND XXXX XXXX XXXX # XXXX are not being reported fairly and equitable and my consumer rights have been violated. The bureaus are not reporting 100 % accurate information on my credit report, late payments, account numbers, dates of last activity, account status and balances. 

The credit bureaus are in violation because of inaccurate, invalidated, and unverifiable reporting tactics, 15 USC 1681 section 602 A states I have the right to privacy, 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish your account without my written instructions. I have sent letters requesting them to verify the accuracy of these accounts.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have 30 years of accumulated Credit in good standing that has been removed from all four credit reports without my knowledge or consent. 

Due to this omission my FICO score and actual credit rating been adversely affected. 

I should have and reflect a score of XXXX. 
This error is affecting my ability to acquire jobs and land.
Consumer complaint received 2022-09-01
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. (TX)

I have 30 years of accumulated Credit in good standing that has been removed from all four credit reports without my knowledge or consent. 

Due to this omission my FICO score and actual credit rating been adversely affected. 

I should have and reflect a score of XXXX. 
This error is affecting my ability to acquire jobs and land.
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (TX)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED INQUIRIES. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report.
Consumer complaint received 2022-09-01
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. (TX)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED INQUIRIES. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report.
Consumer complaint received 2022-02-25
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. (TX)

I HAVE CONTACTED EXPERIAN AND DISPUTED THIS FRAUD ACCOUNT US DEPT OF EDXXXX AND EXPERIAN NEVER INVESTIGATED OR RESPONDED TO MY DISPUTE. EXPERIAN IS VIOLATING MY RIGHTS AS A NATURAL PERSON. PURSUANT 15 U.S.C 1681S-2. THEY HAVE FAILED TO NOTATE THE DISPUTE ON MY CONSUMER REPORT! THEY HAVE BROKEN THE FEDERAL CONSUMER LAW!
Consumer complaint received 2022-04-14
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: Mercedes Benz Financial Services (MA)

My name is XXXX XXXX XXXX. I am filing this complaint for my self. THIS IS NOT A DUPLICATE COMPLAINT. THIS COMPLAINT HAS NOTHING TO DO WITH THE CARES ACTS. MERCEDES BENZ FINANCIAL SERVICES is in violation of 15 USC 1681a 2 ( A ) ( i ) by reporting late payments on my consumer report for an account with [ account # : XXXX ] EXCLUSIONS- : Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; MERCEDES BENZ FINANCIAL has been reporting late payments which are transactions. THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU, MERCEDES BENZ FINANCIAL ) Making the report is NOT INCLUDED on my consumer report! A late payment is a transactional history. This is my HISTORY with your company and CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on consumer reports! YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting these transactions and experiences on my consumer report which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my Payment History or delete all late payments from the accounts [ account # : XXXX I am demanding a cease and desist of all illegal activity, any communication of this and any alleged debts. If MERCEDES BENZ FINANCIAL SERVICES continues to report late payments on my consumer report I will file for litigation for actual damages caused and MERCEDES BENZ FINANCIAL SERVICES will be held criminally liable for willful noncompliance pursuant to 15 USC 1681n. Upon receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-09-01
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance XXXX XXXX-Late/Closed Late Date XXXX
Consumer complaint received 2022-09-01
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX / XXXX XXXX Date opened XX/XX/2021 Balance $ XXXX Late Dates XXXX
Consumer complaint received 2022-09-01
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. (VA)

i have sent in letters to credit bureaus about fraud on my reports and only get back they verified it. i asked for proof of verifications along with my signatures which have never been provided to me. It is ruining my life and name and just want it resolved. I have filed a police report also with XXXX VIRGINIA POLICE DEPARTMENT REPORT NUMBER : XXXX
Consumer complaint received 2022-09-01
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. (IN)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted 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. The items found within my credit report that I listed on the following pages 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 some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-01
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I check my credit score via my " Capital One '' credit card account regularly. I do not know if this is the norm across all reporting agencies and all financial institutions, but I believe the way the credit scores are calculated is very unfair, let me explain. 

My Capital One credit card account calculated my score based on 6 categories. Mine are listed below. I have two problems. 
1 ) " Credit Used '' and " Available Credit '' are TWO different categories. If I make a large charge on my credit card, I get dinged twice, in two different categories. My " Credit Used '' increases, and my " Available " Credit '' decreases. Making a charge on my credit card should NOT affect TWO different categories, it should only affect one.

2 ) It is fairly easy to have 100 % On-Time payments to achieve an " excellent rating '', but it is outrageous in my opinion that in order to achieve an excellent rating for " Oldest Credit Line '' is 25 years. 

Can you please send this to everyone that can address this, even within our government to have these issues addressed?. If this is solely based on the way Capital One calculates the credit score, then they need to address this. Otherwise, if this is how all financial institutions calculate credit scores, then this needs to me changed/modified. Thank you for your time!. 

My reporting from Capital One Bank : 1 ) On-Time Payments - 100 % Excellent 2 ) Oldest Credit Line - 22 Years - Good 3 ) Credit used - 6 % - Excellent 4 ) Recent Inquires - 0 - Excellent 5 ) New Accounts - 1 - Excellent 6 ) Available Credit - XXXX  - Excellent
Consumer complaint received 2022-09-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION (CO)

Opened a Third Federal Savings & Loan HELOC and drew down a balance in XX/XX/XXXX. Set payments on Autopay via their website which ran fine for six months until I received a call from their Collections department in mid-XXXX saying I underpaid my loan payment. Tried to pay online but was unable to do so from their website, online payment was blocked and their website notified me to call Customer Service. Was assessed a late fee even though I was unable to pay online. 
Called back on XX/XX/XXXX and was notified that AutoPay service can only be for a fixed amount every month and I need to monitor my statement and cancel AutoPay every time the payment amount changes, which is monthly now with changes to the Prime rate and a variable rate loan, and setup a new AutoPay service. Every other Financial Institution I have worked with has an AutoPay for the minimum payment amount due however Third Federal refuses to provide that option. Appears to be a scheme to generate late fee charges on customer accounts.
Consumer complaint received 2024-02-14
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. (MO)

In accordance with the FCRA, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts shall be removed immediately : 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 Acct XXXX. XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furish a account without my instructions. 15 USC 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. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furish 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 in accurate. I'm demanding that this accounts be removed as soon as possible.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (MD)

My social security number identity and information was fraudulently used on a car loan. The company name is Ally Financial. The eastern automotive card group on sterling V.A fraudulent submitted my personal information to secure a car for one of the workers friends.
Consumer complaint received 2022-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (MI)

I signed up for direct deposit and they issued me a routing and account number. I received my first direct deposit on XX/XX/2022. I received the second one on XX/XX/2022. The time for the third deposit to hit on XX/XX/2022. Never hit. I checked my other bank account and my funds had been deposited as normal. I wait until later in the day and still no deposit posted to Coinbase. I was given the run around after calling so decided to read the terms and agreement. I found that XXXX handles the heavy lifting and the direct deposits. I called them and entered my information in and they advised that they had records for all three deposits that were posted to the account Coinbase gave me and to contact them. I tried reaching out to Coinbase and no one knew what I was talking about and could help. They then flagged and locked my account as a risk once I started calling and emailing more. I just want my {$660.00} deposited into my account so I can be done with the horrible scam of a company.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

While reviewing my Experian credit report, I noticed that an account was added twice to my report. Both accounts have different balances. This is an error. I am requesting for both of these accounts to removed immediately. As you are already aware, under the FCRA, consumers are entitled by law to an accurate, fair, and private credit report. This creditor has violated all three by adding these accounts to my report. As a result, my credit scores are reflecting this erroneous information. So again, I am requesting for BOTH of these errors to be promptly removed from my report. 

Thanks. 

XXXXXXXX XXXX XXXX shows a balance of {$2900.00} XXXX XXXX XXXX shows a balance of {$0.00} Both accounts share the same account number ( XXXX )
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (MI)

I do not consent to any of the following closed accounts be reported on my consumer report for equifax, XXXX XXXX XXXX, balance {$510.00}, opened XXXX. XXXX XXXX, balance {$0.00} opened XXXX. XXXX XXXX XXXX balance {$1300.00}, opened {$0.00}. XXXX XXXX XXXX, balance {$0.00}, opened XXXX.
Consumer complaint received 2016-11-28
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (CA)

I opened a new business account in XX/XX/2016 and was offered a bank business credit card with a 0 % interest for 6 months linked to my business account. I had late payments twice but on both occasions paid within one to two weeks of the due dates. 
The interest rate on the credit card was raised to over 27 %.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Multiple addresses on credit report, I verified my current and only address, for all others are undeliverable and must be removed as per FCRA. Mailed in copy of state issued driver license, and bank statement with my current and ONLY address. All three credit bureaus still have multiple addresses on my credit report and all 3 have different addresses? 
Many of these addresses, I have not lived there? Furthermore there are XXXX different XXXX XXXX that resides in a XXXX miles radius here in XXXX, Tx. 
! I have ONE social security number, ONE drivers license, ONE address, ONE birth certificate, everything matches??! Why do I have multiple ADDRESSES on my credit report?, you can only claim ONE address for your place of residence in Texas its the LAW. My credit report is no different? I have mailed ( certified ) letters to all 3 bureaus and they still refuse to correct these fraudulent errors, on my credit report, my next course of action is to file a lawsuit in small claims court against all 3 bureaus.
Consumer complaint received 2022-09-01
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: SYNCHRONY FINANCIAL (IL)

In accordance with the fair credit Report act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-02-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX reported to the three credit agencies that I paid my XXXX, XXXX, and XXXX bills very late. This was not true. ( If you check ALL of my credit history, you will see that I've charged about {$80000.00} a year almost every year for the past four decades and never once paid a bill late or incurred a late fee. I contacted XXXX at the time, we settled the matter, and they said they would report the update, but they haven't. I also contacted Experian to try to get them to get this updated but they didn't respond. This is badly damaging my credit score. Please can you help me.
Consumer complaint received 2016-07-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

I have been a victim of identity theft and have filed the necessary paperwork to dispute all accounts such as a police report. However I have been attempting to dispute an account with Macy 's for over 8months and have provided the necessary documents with no success. They stated that they received the documents but never initiated the dispute.
Consumer complaint received 2022-09-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (NC)

I rented a XXXX XXXX home in XXXX, NY from XXXX I paid the down payment and paid an auto drafted monthly bill from my XXXX  XXXX XXXX account to XXXX and XXXX XXXX for my electric ranging from $ XXXX a month. XX/XX/2018 I was charged {$1000.00}, which was clear to myself, my landlord and my bank branch manager that there was an error. Myself and my landlord called XXXX & XXXX and my branch manager wrote them a letter himself explaining there had to be a mistake. They sent out a technician and said there was no mistake and charged me anyway, even though it would be physically impossible for me to accrue an electric bill that high in such a small dwelling inside of a four week period. They have refused to accept any form of accountability that this was simply a clerical error and have turned the bill to collections which has not only hurt my credit, affecting me personally but has nearly doubled while in collections.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

1. ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account was paid off and company agreed to delete upon payment. Account is still on my credit file. 
2. ) XXXX XXXX XXXXXXXX  Account number XXXX Date last active and date last reported is different and I ask for it to be removed due to its inaccuracy. 
3. ) Inaccurate credit inquiries which I did not request and do not have and account. I have previously requested them inquires to be removed, however, the credit companies have ignored my request. 
XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX