davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
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)

Hello. I'm coming to you for assistance because I don't know what else to do anymore. I've been trying to get accounts deleted from my credit report for the last three months and the credit bureaus keep the accounts on the report. There should be no reason why these accounts should remain on the credit report since I have a deletion letter from the collection agency that these were supposed to be removed back on XX/XX/XXXX. This letter even has AUD deletion control numbers on it. 

I have contacted the credit bureaus myself and have submitted this letter as proof these accounts should be deleted. They still remain. We are now on XX/XX/2022, and these accounts are STILL on my reports. To make it even worse, they were deleted for a short period of time, and then reappear. I've called the collector to figure out what is going on, but they have submitted an AUD deletion request three times to the credit bureaus. At this point, I have no choice but to file this complaint through you otherwise I will have to file a complaint through my local small claims court. Please, please, please get the credit bureaus to do their jobs. We aren't in a pandemic anymore, so there is no excuse as to why this hasn't been done by now.
Consumer complaint received 2022-05-04
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. (ND)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 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 2022-05-04
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. (ND)

In accordance with the Fair Credit Reporting act XXXXT XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 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 2019-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (ME)

Have been receiving calls for months on my cell, at my work, and on my husband 's cell. Today I called the number back at ( XXXX ) XXXX with reference # XXXX. Only after I asked the man said that the company 's name was XXXX XXXX XXXX. He said that I had a debt with Citifinancial with a balance of {$1400.00} and last payment in 2013. He would settle it for {$710.00}. I said that I wouldn't pay until I could verify the debt. He stated that " they're not going to recreate the wheel '' for every little debt and that they would file paper at the court ( which is fine by me because they'd have to provide proof ). I have no recollection of this debt, and I've checked my credit. I did have an account with Citi, but it was in good standing when it was transferred to another company. This is a bogus debt. I have a really important job in local government, and I really need these calls to stop at my place of work. I can ignore scam calls all day on my cell, but they have to stop calling my work. I am on the national do not call registry.
Consumer complaint received 2022-05-04
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: American Credit Acceptance, LLC (TN)

In Accordance with the fair credit Reporting 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 a consumer reporting agency can not furnish a account without my written 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 purpose.
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. (TX)

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

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

They told me to wait a month. 

When I filed this complaint with the Federal Consumer Protection Bureau, I was unable to add example files to the complaint. The link on the CPFB website didnt work.
Consumer complaint received 2019-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (GA)

Freedom Mortgage, my homeloan service provider made an unauthorized modification to my home loan mortgage by updating the address to an incorrect and unidentified mailing address that was different from the primary residence and property on the mortgage. Not a single notification was sent to me, the borrower at the residence address which was also the address of the property listed on the mortgage. 

Upon multiple calls I found out a loan modification was made by entering incorrect mailing address without borrowers permission. All written notices since were sent to the incorrect address causing the loan to default and start of foreclosure proceedings. The wrong address including notice of change of provider, statements of past due etc., causing severe distress and foreclosure proceedings.
Consumer complaint received 2024-02-06
Product: Credit reporting 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 never got a response back from the bureaus. I sent letters out in XX/XX/year> and received nothing to remove personal information that I don't want on my credit report, according to the Fair Credit Reporting Act XXXX USC XXXX, I have the right to Privacy. Also according to XXXX USC XXXX. No financial Institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-05-04
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX TransUnion/XXXX was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i XXXX which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1700.00}
Consumer complaint received 2022-05-04
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 (MI)

In accordance with the fair credit Reporting 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 a consumer reporting agency can not furnish a account without my written 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 2018-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (NC)

my identity was stolen in XXXX and several accounts have been opened using fraudulent addresses here are some of the addresses XXXX XXXX XXXX XXXX nc XXXX ... XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX nc XXXX .... I have been / mailing this company since XX/XX/XXXX trying to get this taken care of and telling them this account was fraudulent that have continued to report these accounts even after knowing they were from fraud accounts are XXXX / XXXX from diversified consultant
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have made dozens of requests to have the bankruptcy reported on my credit report from 2019 removed. I have provided TransUnion with documentation from XXXX, the XXXX XXXX XXXX stating this is reported incorrectly. And yet they refuse to remove the information. I recently sent them all of the documentation certified again, and they are still refusing to remove the incorrect information.
Consumer complaint received 2020-12-14
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. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2019-03-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I called USAA back in XXXX and disputed a transaction with my debit card. I paid twice for merchandise at XXXX. It was never initiated. I call back again in XXXX and have a couple more disputes by this time. I uploaded documents and show sufficient evidence. I am just told after calling USAA at least 30 times over worry, they see it is too late for the XXXX dispute. I also see they just closed them on XX/XX/2019 but continue in the Executive Resolution department to tell me to provide more information. I am also told that I have until the XXXX of XXXX. I speak with XXXX in the CEO offices over this and my closed checking accounts today. She tells me the XXXX was never disputed at all or I never called in XXXX. I told her of course you would deny because this is exactly why USAA has been in hot water. USAA has refused anything that I asked for in XXXX years. You deny any dispute over XXXX. They have held every single amount of deposits way too long making it impossible to do anything. It would not even state on the mobile app we are holding the full amount. I would make small deposits of 100.00. USAA would hold the full amount for ten days, and if holiday over this period. I have made deposits of a extra 600.00 in a check form. This too is held at their liberty. My complaint is this debit dispute is illegal and what their continuing to do is illegal. I asked for an appeal over 7 times yesterday telephonically. I received no accurate or appropriate response.
Consumer complaint received 2021-12-29
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: TD BANK US HOLDING COMPANY (TX)

On XX/XX/XXXX I got an alert saying that I missed a payment on my Target card so I called them and spoke with a rep that said he was going to reverse the late payment and the {$1.00}. He said that in 30 days to check back and the late payment should be removed along with the {$1.00}. My card was not used the actual credit limit was still on the account. I called today XX/XX/XXXX due to my report not being updated and spoke with a Rep who said that they are sorry for the mis information the {$1.00} was removed but the late payment will remain. My issue is why would the representative before tell me that the late payment can be removed because the {$1.00} was removed from the balance. I told the rep if the {$1.00} was a mistake and you guys removed it then that means the late payment is mistake to. This is hurting my credit rating, I am in the process of buying a home and I won't be able to because of Targets miscommunication.
Consumer complaint received 2020-12-14
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. (CA)

XXXX XXXX should not be reporting that I am ( 30 plus ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a letter from XXXX XXXX dated XX/XX/2020 confirming they have submitted the necessary documents needed to remove these lates that are currently reporting to the bureaus. This letter states these changes should have been made within ( 30 ) days however, the bureaus are still reporting incorrectly. This false reporting of lates is seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information. I have contacted the bureaus to remove these but I have not been successful.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

Experian was notified by XXXX, XXXX on XX/XX/2024, that a fraudulent application was submitted by someone attempting to obtain a credit card using my social security number. Experian will not remove this from my credit report, it still shows as a hard inquiry and I'm having difficulty obtaining a mortgage because of it.
Consumer complaint received 2023-01-04
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc. (GA)

I completed a forbearance plan with the Department of Education to place my loans back in good standings with with my student loans. Upon completing my plan on XX/XX/XXXX, my previous late payments were supposed to be removed from my credit report. The Department of Education sent me a letter stating they would remove any negative reports that were on my credit for the previous 5 years. After 3 months I noticed no change in my report and reached out to the Department of Education again. They informed my that my loans had been sold to Nelnet and gave me their contact information. I then reached out to Nelnet and also stated my situation in which they sent me a letter in XXXX also claiming that they would remove the record of default from my credit history. Now we in XXXX of XXXX and still nothing has happened which is why I am submitting this claim today.
Consumer complaint received 2022-05-04
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. (TN)

In accordance with the fair credit report act conversion XXXX XXXX XXXX XXXX {$610.00} ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$0.00}, XXXX XXXX XXXX # : XXXX {$490.00} ( XXXX ), XXXX XXXX Account # : XXXX {$0.00} ( XXXX ), DEPT OF ED / XXXX- Account # : XXXX {$4100.00} ( XXXX ), XXXX XXXX XXXXXXXXXXXX XXXX-Account # : XXXX {$1000.00} ( XXXX ), XXXX XXXX XXXX-Account XXXX XXXX XXXX {$560.00} ( XXXX XXXX ), XXXX XXXX XXXXAccount # : XXXX {$6200.00} XXXX XXXX, XXXX ), XXXX XXXX XXXX-Account # : XXXX {$250.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Account # XXXX $ XXXX ( XXXX XXXX XXXX 15 usc 1681 section 602 A states I have the right to privacy. 
15 usc 1681 section 604 A section 2 -it also states a consumer reporting agency can not furnish your account without my written instructions
Consumer complaint received 2022-05-04
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. (FL)

In accordance with the Fair Credit Reporting act : XXXX  XXXX BANK # XXXX, XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 a account without my written instructions. 
15 U.S.C 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 2022-02-07
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. (NY)

XXXX is reporting an address on my credit profile that I do not recognize. Clearly the address listed on the credit personal profile is not my address. I do not recognize that address and I never resided at that address. This is an error that cost points on my credit profile.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I opened a credit card with my business partner under my name with XXXX. We received a letter from XXXX stating that if we did not use the card it was going to get closed. We wanted it open so I made two small purchases that totalled {$150.00}. The credit limit was $ XXXX on the card. We forgot about the charge and we were reported to credit bureau as going 30 days over. When we realized our oversight we paid the late fees and total which came out to {$220.00}. Account is now closed but in good standing. 

My credit score the month prior to this mistake was XXXX. Due to this minor mistake with {$220.00} my credit score has gone down twice to a current XXXX. I was in the process of buying a condo which I was originally quoted an interest rate of 3.5 with my credit score of XXXX. Since they dropped my score so much for a minor mistake they wanted {$1700.00} to pay for a point and a half which still gave me a rate of 5.5. This raised my mortgage from {$750.00} a month with no points to {$1000.00} a month after I pay {$1700.00} for the point and a half. I had to back out of the deal which was a great deal because I would have been paying more than rent due to the increased interest rate. 

Then I had XXXX  XXXX XXXX shut down one of two credit cards I have with them due to the credit score drop as well. They sent me a letter that stated since my credit score had dropped greatly and I had not used my card ( which also had a $ XXXX limit ) they closed it. That is going to possibly cause my score to drop further. 

I have never been late on my personal cards or bills. I have my primary house paid off. Two pieces of land valued at over $ 200k paid off. A cabin that I owe only a quarter of what it is worth. My current credit card debt is $ XXXX and I could pay that off whenever I chose. I have never been late on my credit card payments or my mortgage for the cabin or anything else. 

So, all these years I have done everything right. I own a lot of property and keep my debt to a minimum. I now have which is within 20 points of two friends who are finishing bankruptcy. How is that fair. For a mistake worth {$220.00} which was paid off. Someone needs to regulate the credit bureaus.