davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
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)

I, XXXX XXXX XXXX, personally authorize & sent this complaint for a second time. In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy, confidentiality, and accuracy under 15 USC 1681 : XXXX XXXX  XXXX Credit Card with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX XXXX  account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

15 U.S.C 1681 section 602 A. states I have the right to privacy, confidentiality, and accuracy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B states A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

15 U.S.C. 1681a-2 ( A ) ( i ) states any report containing information solely as to transactions or experiences between the consumer and the person making the report are to be excluded from all consumer reports.

15 U.S.C 1681c. ( a ) ( 4-5 ) Section states no consumer reporting agency may make any consumer report containing any information regarding accounts placed for collection or charged off to profit and loss, and, 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 ) states 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 2022-08-16
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. (GA)

I was involved in an auto accident with my son in 2021. When they officers arrived they call the XXXX when the XXXX arrived I declined service and they left. The other driver was sited to be at fault .y now reasoning for writing you all is because XXXX XXXX XXXX XXXX is now reporting collections on my credit report when they should be trying to collect payment from XXXX XXXX XXXX Department ( the one who called ) or the at faults party insurance and not from me. Please delete the 2 collection accounts from my credit report. Attached is the police report.
Consumer complaint received 2018-02-27
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: Experian Information Solutions Inc. (NC)

I mailed an investigation request to XXXX, Experian, and XXXX XXXX on XX/XX/XXXX. More than 30 days have passed and I have not received my investigation results. I am attaching a copy of the letter I sent them.
Consumer complaint received 2016-11-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Revenue Recovery Corporation (TN)

My credit report shows some medical collection on XXXX ( REVENUE RECOVERY CORPORATION shows 2 collections from PHYSICIAN SERVICES AT XXXX shows 1 collection from PHYSICIAN SERVICES AT XXXX shows 1 collection from PHYSICIAN SERVICES AT XXXX ) which all have been taking care of from a workscomp claim. I needing to get the correct infomation from someone to have this removed from my cerdit report please.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # 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 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2020-02-05
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. (NY)

I reviewed my credit report and realized I have 4 unauthorized credit inquiries. Equifax has been reporting address where I have never lived or been affiliated with before. Notified credit bureau immediately and was asked to reached out to creditors for verification. I sent a letter as well as identifying information to XXXX  and Equifax and nothing has been done to resolve the issue. It has been more than 30 days and no one is helping in resolving this matter as I am aware they are not to report inaccurate information on me.
Consumer complaint received 2023-04-01
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from 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 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 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX have 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 2023-04-01
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. (NC)

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 erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$350.00}
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

XX/XX/2022 a unauthorized ATM withdrawal for {$400.00}. was done at the following address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA. I called my bank ( Chime ) and was told nothing could be done until the transaction was out of pending status. XX/XX/2022 the transaction was no longer in pending status so I call the bank again. This time I was transferred to the dispute department. I answered all the questions and was told it could take up to 7 days for the dispute department to process. Early on XX/XX/2022 I checked my account to find the transaction was no longer in dispute it was completed and denied. Again I contacted the bank and was told by customer service and also the supervisor of customer service that they could not tell me why this decision was made. I checked my e : mail and found a memo from Chime stating because the transaction was done at a XXXX and I usually use XXXX atm ( never ever in XXXX XXXX ) they denied my claim.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
Consumer complaint received 2021-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TN)

On XX/XX/XXXX I paid {$10000.00} on my mortgage account to take the LTV ratio well below 80 % and have my PMI deleted. I received an email from suntrust afterwards confirming this was the case and also had the amount reflected online on XX/XX/XXXX. At that point I requested via their secure messaging center ( and this is documented ) on XX/XX/2021 for my PMI to be deleted. I did exactly as was told by XXXX of Suntrust in this process. My loan is backed by XXXX XXXX and I'm also eligible for a no fee home valuation to have it dropped without paying anything but opted to reduce my interest by paying down the principle. On XX/XX/XXXX I inquired how the process was going since I had not heard back on to discover that my XX/XX/XXXX inquiry was getting denied despite my loan no longer needing the PMI and also despite paying off MORE than I was told to by the may denial letter. I called to request it to be deleted again and was told it would take ANOTHER month. I refuse to pay PMI that is effectively penalizing people for not having lots of money in the first place when I initially took out the loan. I have paid every month on time and never missed a payment. This is ridiculous. I refuse to pay another cent to PMI that I requested a pay off for due to it being applied retroactively ( covering the previous month period ). Happy to answer ANY questions. I have everything documented extensively and can even call up local branches as getting in contact with people at SUNTRUST mortgage now TRUIST is almost impossible and takes HOURS
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (NM)

I appreciate the time of Credit Bureaus to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that they have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining account XXXX XXXX XXXX Balance {$0.00} needs proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of this account.
Consumer complaint received 2022-08-28
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

CAPITAL ONE ( Bank ) XX/XX/2022 This is an unauthorized inquiry. I did not apply for for an account with you guys. This must be a result of the Capital one data breach and my information was stolen. 
Please provide your reasonable policies and procedures to report this inquiry- ( a ) Policies and procedures. Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities. 

( b ) Guidelines. Each furnisher must consider the guidelines in appendix E of this part in developing its policies and procedures required by this section, and incorporate those guidelines that are appropriate. 

( c ) Reviewing and updating policies and procedures. Each furnisher must review its policies and procedures required by this section periodically and update them as necessary to ensure their continued effectiveness As well as the accuracy and integrity of this reflection - Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.
Consumer complaint received 2022-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MI)

Despite the multiple previous written requests, the unverified collections listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX ( Original Creditor : 11 XXXX  ) XXXX Balance : {$1100.00}
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a LEGAL older XXXX and resident of the United States since XX/XX/XXXX. 
I have a small sole proprietor design and remodeling business. 

In late XX/XX/XXXX and followed up last year, XX/XX/XXXX through marketing I received an offer for a a revolving line of credit by Bank of America for my small sole proprietor business, with the words that I qualify. 
Despite having a average stellar credit rating in the 800s and an enthusiastic encouraging preapproval, I got turned down by the bank after applying with the argument that I have to high payment obligations. When asked they said I have a mortgage payment of {$1900.00} a month. Although my average monthly gross receipts are more than sufficient the bank would not budge and insisted on a credit report Fact is I never applied for mortgage and I never held a mortgage. there is no such monthly payment obligation and I never have ever made such a monthly payment neither have I ever received any letter claim or collection of such. 

Even stranger but obvious to me, checking all 3 credit reports I do not show any mortgage or such payment obligation. All I got was a hard inquiry knocking me down by 10 points due to the bank inquiry. 

Bank of America so far has denied my request to see this report. 
Obviously it is pointless for me to file a complaint against a credit reporting agency for something that does not exist!
Consumer complaint received 2019-09-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

ON XX/XX/2019 I SENT MY 3RD LETTER REQUESTING ANY FORM OF PROOF OF DEBT FOR AN EXAMPLE DOCUMENTS BEARING MY SIGNATURE ON IT, DOCUMENTS WITH MY SIGNATURE STATING THAT I AGREE TO PAY THE FULL AMOUNT ALLEGEDLY CLAIMED AND ANY OTHER PROOF THAT I DO INDEED OWE THE ALLEGED DEBT. I ALSO REQUESTED THE VERIFICATION PROCESS AND INSTEAD THEY REFUSE AND SEND ME LETTERS STATING THAT THE INFORMATION IS VERIFIED AND ACCURATE. I AM NOT ASKING IF IT WAS VERIFIED OR ACCURATE I AM ASKING FOR PROOF AND YET THEY IGNORE MY REQUEST WHICH IS AGAINST THE FCRA LAWS.
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MO)

For 2 days I wasn't able to make a payment on my Barclays via web or phone on both XX/XX/XXXX and XX/XX/XXXX. I couldn't get through to speak to someone, the website wasn't accepting payments and the automatic phone payments weren't working.
Consumer complaint received 2020-09-15
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 a letter regarding inaccurate items on my credit report. it has been more than 60 days and these items are still on my report. if these items are not removed, I will be forced to seek legal actions since I feel that I am being taken advantage of and this situation is preventing me from progressing in life. I even sent a notarized affidavit concerning this issue. section 611 ( a ) states that a failure to investigate items accuracy within 30 days gives a reason to immediately remove those items from my credit report. I would appreciate an update immediately at your earliest convenience so that i will not have to take legal actions and file another complaint elsewhere.

Thanks
Consumer complaint received 2019-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (VA)

I've been disputing this XXXX Account with XXXX for 2 years and explaining to them that my identity was used fraudulently by a family member. I've sent in copies of my police report on numerous occasions showing this and they in fact verified they received my information to confirm that my identity had been used fraudulently. They FLAT OUT REFUSE TO REMOVE IT FROM MY CREDIT FILE. I've called, sent in certified mail and done regular mail and NO REMOVAL.
Consumer complaint received 2019-01-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My report is not reflecting the correctly that I have paid down my consumer debt on credit cards to 36 %. XXXX  has reflected that in their report and given me XXXX. Trans union and XXXX  are lagging and under reporting my score.