davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with The Fair Credit Reporting Act -XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX - XXXX XXXX XXXX Account Number : XXXX XXXX - XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX - US DEPT. OF EDUCATIONXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 2024-02-06
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. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

On or about XXXX, I applied for and received a short time later my " FREE '' annual credit report from " XXXX '' with my XXXX score of " XXXX '' mailed to my home address of : XXXX XXXX XXXX ; XXXX, California ; XXXX ( where I have only XXXX  years left of my XXXX XXXX XXXXXXXX XXXX home loan on ) which also matches my California driver 's license. 

On or about XXXX, I applied for and received a short time later my " FREE '' annual credit report from " XXXX '' with my XXXX score of " XXXX '' mailed to my home address of : XXXX XXXX XXXX ; XXXX, California ; XXXX ( where I have only XXXX years left of my XXXX XXXX XXXX XXXX home loan on ) which also matches my California driver 's license. 

On or about XXXX, I applied for and received a short time later my " FREE '' annual credit report from " XXXX '' with my XXXX  score of " XXXX '' mailed to my home address of : XXXX XXXX XXXX ; XXXX, California ; XXXX ( where I have only XXXX  years left of my XXXX  XXXX XXXX XXXX home loan on ) which also matches my California driver 's license. 

On or about XXXX, I applied for IN PERSON and opened IN PERSON a " savings account '' with the bare minimum requirements of {$300.00} with XXXX XXXX XXXX  located in XXXX XXXX, California ( about XXXX miles west of my legal home residence of : XXXX XXXX XXXX ; XXXX, California ) which also matches my California driver 's license. However, yesterday ( XX/XX/2023 ), I received a letter from XXXX XXXX XXXX with the " Date of Notice : XX/XX/2023 '' stating in effect that " We regret we can not open your account today due to information received from Chex Systems , Inc., a consumer reporting agency ... And is UNABLE to provide you with specific reasons why the decision was made. '' My State of California and my United States consumer credit rights have been intentionally, maliciously and unlawfully violated by " Chex Systems , Inc. '' for failure to state the " specific reasons '' that caused XXXX XXXX XXXX to CLOSE out my account. 

I was born XXXXXXXX XXXX  as a legal citizen!!!
Consumer complaint received 2020-06-05
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. (TX)

Companies refuse to remove account that was opened before I turned 18. This account is has not legal standing on my credit report as I was well below 18 when the XXXX/XXXX  account was opened and not able to give my legal consent. The companies also refuse to remove collections that are in no way related to me or have any legal standing accounts are XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX bank sent information to Experian without my consent and violated the privacy consumer act that prohibits 15 u s c 433.3 and 15 u s c section 1601 and third party reporting information that was released without my consent i feel behind do to the enormous economic crisis with job loss and inability to pay on time debts
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

I refinanced my mortgage with XXXX XXXX XXXX XXXX  back in XXXX. The servicer of my loan is LoanCare. I just received a letter from the property assessor that LoanCare has not used my escrow money to pay my property tax, and the property tax is delinquent. I have tried for over 4 hours today to reach someone on the phone from LoanCare and all I get is the automated run around with no option for human contact. 

I'm now forced to simply pay the property assessor myself as LoanCare has completely failed to do so. Judging by LoanCare 's reputation online this is an unfortunately common occurrence. This seems to be their practice to hoard escrow payments, and then refuse to answer any messages. 

LoanCare through the myriad complaints I've read is a borderline scam, and potentially just horribly mismanaged. I don't know why the CFPB hasn't shut them down yet.
Consumer complaint received 2020-07-30
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. (AR)

I pulled my credit to myself for the first timeand I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$16000.00} XXXX  XXXX {$1400.00} XXXX   XXXX {$360.00} XXXX  XXXX {$260.00} XXXX  XXXX {$120.00} XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX {$930.00} XXXX  XXXX {$250.00} XXXX   XXXX  XXXX {$980.00} XXXX XXXX XXXX XXXX {$1800.00}
Consumer complaint received 2020-02-01
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: Innovis (GA)

I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX INQUIRES : XXXX  XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-12-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
Consumer complaint received 2023-01-10
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. (FL)

XXXX XXXX XXXX XXXX Account ending in XXXX was paid in full over a year ago. 

The available credit should show {$7000.00} and amount of debt {$0.00}. 

I have disputed this several times with Equifax, XXXX and XXXX and these inept companies fail to correct the issue even though I have disputed with them multiple times. 

This is negatively affecting my score. They have surpassed the XXXX day investigation period under FCRA since they have continue to report incorrectly. 

Below is what they show : Account info Account name XXXX XXXXXXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$2300.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX XXXX payment {$0.00} Credit limit {$7000.00} Highest balance {$7000.00} Terms NA
Consumer complaint received 2022-07-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2 (FL)

My car was repo and sold on XX/XX/2019. I received a letter stating the amount owed after resale was {$8000.00}. I made small payments but it was still sold to a debt collector. The debt collector is now reporting that the loan is open and is increasing every XXXX weeks by {$50.00}. They are now reporting the loan as {$20000.00} with no payments made. It had made my credit drop XXXX points and still gradually increasing. I called for them to report the correct amount and I have had no solution. The original creditor wont give me any information because they said they sold the debt. This is causing problems in n my life.
Consumer complaint received 2020-07-30
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. (NY)

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently which was highly embarrassing and has negatively impacted my lifestyle.
Consumer complaint received 2020-07-30
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. (NY)

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently which was highly embarrassing and has negatively impacted my lifestyle.
Consumer complaint received 2024-02-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: VYSTAR CREDIT UNION (FL)

Commencing on or around XXXX XXXX, I fell victim to two multi-layered scam operations run by XXXX ( the Company ), which involved me making deposits for a total amount of XXXX USD from my VyStar Credit Union account to fraudulent investment firms.
Consumer complaint received 2022-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

Both my checking and savings accounts have been on hold for months now and all efforts to get help from either bank at the branch or through the helpline has prove futile. I truly need help because Im drowning in debts and late payments and life is becoming extremely difficult without my lifetime savings
Consumer complaint received 2022-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FinCo Services Inc DBA Current (KY)

XX/XX/2022 I noticed my XXXX  card was being used I tried calling the numbers listed on line was told 2-3 days for a call back I have all paperwork from then of my reaching out XXXX was taking from my XXXX  card and they wont call me when they email months later they said it wasnt in my favor I want my funds and I have proof they owe me THE COST OF LIVING IS TO HIGH IM A SINGLE MOTHER OF XXXX during these times coming out of Covid 19 and having to still beg for my funds u have no idea what me and my children went threw please help
Consumer complaint received 2022-06-15
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. (ND)

Those accounts arent mine, Never authorized or used by me please Remove these Inquiries of my report. 
( 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 2020-06-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (DE)

In late XXXX my husband and I started researching for the best bank to apply for a HELOC as we are building onto our property and construction would soon be starting. I contacted several banks so I could make an informed decision as to what bank would be our best fit. We decided to move forward with PNC and apply online on XX/XX/XXXX, this was after I spoke with a PNC representative ( XX/XX/XXXX) who provided me their current loan term information which included information surrounding loan to value ( LTV ) percentages. On XX/XX/XXXX the representative clearly advised and confirmed that their HELOC product would go up to 89.9 % LTV during our conversation.This information was why we decided to continue the process with PNC, as all other banks I researched and spoke with only offered up to 84.9 % LTV, and this was the flexibility we were looking for. Fast forward almost a month later when we received our approval letter. The counteroffer approval came much lower than what we were expecting. I phoned PNC and they advised the loan could only go up to 84.9 % LTV. I requested to speak to a supervisor and I did have one call me back the following day. She advised they could not honor the 89.9 % LTV originally stated. There was also nothing they could offer even with the misinformation I was provided as the Bank 's LTV procedures were updated in early XXXX. She also said there is no guarantee the call was recorded and if it was recorded there was no way to look up this call if I didn't know the name of the representative. This approach of a bank is very irresponsible if all calls are not recorded on calls that representatives are quoting terms and rates of current products. When assessing the possibility of a UDAAP this certainly his the deceptive element which seems to be a clear bait and switch tactic. The timely process of a HELOC application and the original misinformation is provided to be a material impact on our financial situation which could have all been avoided if the accurate information was originally provided. We now have no choice to go elsewhere due to the length of time this process takes and the potential impact these inquires made to our Credit Bureaus. My husband and I will end up accepting the offer and possibly have to get an additional loan.
Consumer complaint received 2022-07-23
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. (GA)

I filed for bankruptcy in XXXX of 2020. My case was discharge in XXXX of 2020. Before and up until my bankruptcy I made all of my credit card payments on time, however, when I applied for credit cards as of today, and the credit I pulled from Experian, it states that I have a bankruptcy on my credit report, derogatory payments and delinquencies and that balances on my account were late. They also that the payments were too high compared to loan amount. This is not correct. This is not correct and I do not have any derogatory payments. I called all of my creditors and Bankruptcy court and they told me nothing was late and that I would have to call Experian directly. Experian told me that this has to remain on my credit report. I am upset due to this because I made my payments on time. I shouldn't have negative, derogatory marks on my credit report because I made my payments on time. This is not fair and it is unjust. 

The information is untrue. Experian has me documented for 11 late payments which is untrue and 4 negative reporting. This information is untrue as well. The credit cards reported late are a total of 11 which are XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX. The 4 negative reporting are XXXX, XXXX XXXX, XXXX, and XXXX.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

The insurance claims adjuster working my case documented the event as if it was in an accident. There was debris that fell from a truck and hit my car. Therefore, there was nothing that I could do to avoid that.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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, XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX, has violated my rights. 
XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXXXXXX 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 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
Consumer complaint received 2020-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had a {$130.00} XXXX account that was fraud that was reported as a delinquency on my credit report. I disputed with XXXX who quickly agreed it was a fraudulent account and agreed to work to get it removed from my file. I was trying to refinance my mortgage and this drastically affected my credit score. XXXX  and XXXX  have since removed this fraudulent delinquency from my file, but TransUnion is dragging their feet on removing this item from my credit. 

I called twice now and they said the only way to supplement the file with more information is to mail or fax the info over and they would have several days to process. They also ask for a copy of my social security card and drivers license with the fax or mail. That puts my identify at even higher risk for fraud. There is no way to expedite this so I am not unduly hurt with my attempt to refinance if rates go up while waiting for TransUnion to fix this fraud.
Consumer complaint received 2020-09-11
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. (CA)

Hi there, I have had a good credit and always make payments responsibly. XX/XX/2020 I saw a fraudulently opened loan account on my credit report and filed a police report and ftc report, sent a copy to a XXXX XXXX  which claimed to be a lender. However there was no investigation open by XXXX XXXX  and they left the things as it is.