davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
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. (PA)

Fist of off these accounts arnet mines and when i call the us ed department they act as tho they dont know what im talking about. I asked for proof of the accounts and they have yet to provide me proof that these are accurate yet they keep telling Experian XXXX and XXXX that they can vaildate it. They are lying and reporting all kinds of information that cant be factual because if so they would have no issues reporting the same FACTS to each company US DEPT ED ACCOUNT NUMBER XXXX When looking at this account, I noticed that it has inaccurate late payments reporting. Not only are there incorrect late payments but the open date, last reported date, and payment status, comments and last active dates all vary between the 3 bureaus ( Experian, XXXX, and XXXX ). The late payments automatically start at 120 days ... how is that possible? How can a payment be 120 days late in a row? Its 31 days in a month max and the high limit and amount for the balance is different and wrong XXXX
Consumer complaint received 2022-03-09
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. (NJ)

In accordance with the fair credit reporting act XXXX  accounts # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX bank # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX bank XXXX XXXX # XXXX XXXX bank 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, has violated my rights. 


15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 section 604 A section 2.It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-09
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. (NJ)

In accordance with the fair credit reporting act XXXX accounts # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX bank XXXX XXXX  # XXXX XXXX bank XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX RXXXX 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.
Consumer complaint received 2022-03-09
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: Persolve, LLC - Legal - Series 2 (IL)

i have truned in a police report and i have contected the companies for both of theses and truned in the police report please remove this off my credit persolve legal group acct number XXXX and XXXX XXXXXXXX
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I am submitting this complaint against Equifax for reporting inaccurate information on the listed account below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need EQUIFAX to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the item. 

XXXX XXXX XXXX
Consumer complaint received 2021-05-10
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. (GA)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2022-03-09
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. (MO)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: National Credit Systems,Inc. (AL)

XXXXNational Credit Systems -no action taken XXXX National Credit Systems handed collection over to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX located in XXXX, Georgia and I am being sued in a state where I have never lived and I did not sign for this debt in the state of Georgia!
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

Friday XX/XX/2022 at XXXX I received a email from American Express saying they just closed XXXX XXXX credit card I have with them, because of my credit report showing delinquency with another account that has no association with American Express . My with American Express are in good standing by not being in default or delinquent so adverse action does not apply to me pursuant to 15 USC 1691 ( d ) ( 6 ) This action from American Express is discrimination pursuant to 15 USC 1691 ( a ) I have been a loyal customer to American Express and to suddenly be treated this way is heartbreaking. I have faced XXXX and anxiety since being stripped of my credit card, making it difficult pay bills and get gas for my car. American Express is responsible for all damages resulting from there actions towards me.
Consumer complaint received 2020-12-16
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. (AL)

I demand the deletion of the fraudulent account listed below which is resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNT THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX- ( Reported Identity Theft )
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (GA)

I am the consumer, original creditor and natural person. US Bank has denied my right to credit as I applied for a XXXX XXXX XXXX XXXX XXXX credit card account in XX/XX/2022 in a consumer credit transaction. Pursuant to 15 USC 1681a ( k ), US Bank violated federal law by denying my credit application. US Bank also discriminated against me pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my rights to credit by making an application pursuant to 15 USC 1642. Pursuant to 15 USC 1605, a finance charge was involved in the consumer credit transaction I initiated however, US Bank failed to disclose it to me. Pursuant to 15 USC 6802, I am exercising my right to privacy and hereby OPT OUT of the sharing of my nonpublic personal Information to consumer reporting agencies.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2018-08-15
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Upon trying to open a checking account with Bank of America, I was told that I've already had an account with them. Bank of America informed me that the account was opened in 2008, but I NEVER had a bank of America account before! Someone fraudulently used my information to open that account! I was also told that there is a debt of {$600.00}.
Consumer complaint received 2024-03-01
Product: Credit reporting 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)

Dear Consumer Financial Protection Bureau, I am writing to formally complain against TransUnion regarding the inaccurate reporting of a bankruptcy on my credit profile. I have serious concerns about the validity and accuracy of the claims, and I believe they have failed to comply with legal procedures. 

On XX/XX/year>, I submitted a Procedural Request letter ( tracking number : XXXX ) to TransUnion, seeking clarification on the procedures used to determine the validity of the bankruptcy reporting. According to FCRA Section 61, paragraph ( 6 ) ( b ) ( iii ), TransUnion is obligated to provide this information within 15 days of receiving the request. 

As of today, the XXXX day, I have not received the requested information. I request proof of compliance by providing the tracking number of the response or immediate removal of the unverified bankruptcy reporting from my credit profile. The court has confirmed they do not report bankruptcies to credit bureaus, and the information provided by XXXX or XXXX XXXX is unverifiable. 

Enclosed are copies of the letter I sent to TransUnion and a letter from the court stating their non-reporting policy. 

I kindly request the following actions from the Consumer Financial Protection Bureau : 1. Immediate removal of unproven or inadequately reported negative claims from my records and cessation of future reporting until compliance with reporting standards is demonstrated.

2. A comprehensive review of TransUnion 's reporting practices to ensure conformity with federally defined timeliness, accuracy, and completeness standards. 

I trust that the Consumer Financial Protection Bureau will address this matter promptly and diligently to safeguard my consumer rights. I appreciate your attention to this complaint and look forward to a positive resolution that restores the accuracy and integrity of my credit history. 

Thank you for your assistance.
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX, someone accessed my checking account at Chase by using ATM card then withdrew cash of {$500.00} & {$560.00} from the ATM machines at the branches of Chase in XXXX. I claimed Chase that I didnt withdraw cash on the day because I was in XXXX and had the ATM card in my possession. They investigated and said that I authorized or share my pin # with someone. I told them that I didnt share my pin # with anyone. I asked them to prove to me or show me who or how that person could have my pin #, they refused to do so. Instead, they told me it will take time to investigate. I also explained to them that my mails had been stolen from me, because my mailbox was broken by someone, and I have also noticed that I had not received my tax statements from institutions.
Consumer complaint received 2022-03-09
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. (MO)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (PA)

These accounts were created from unauthorized use of my social security and i did not consent to, authorize nor benefit from any of the following I plus these are negative item created under my social security number block and remove them.Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$460.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$420.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$300.00} Account Name : AFFIRM INC Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : -
Consumer complaint received 2022-07-25
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)

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite my previous written requests, the unverified items listed below still 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 and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2600.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6000.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$410.00}.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the accounts completely from my Credit Report : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have sent multiple letters to Portfolio Recovery Associates,  collection agency, disputing accounts they have listed on my credit report. I have requested that they validate the debt by providing a copy of the signed contract from the original creditor with my signature on it. They keep sending me a computer generated form letter that states the debt has been validated and ignore my requests to prove their claims by providing my signature on a contract. They tell me that they are NOT required to do that. I sent them a copy the Fair Credit Report Act, Section 609, which states that if I request that documentation to validate a debt, federal law requires them to provide it. They are ignoring all my letters. I spoke to Ms. XXXX in the dispute department today who stated she will " order a copy of the contract ''. She stated to me that they are not required to provide a copy of the contract. Please explain why laws are written to protect consumers if collection agencies think they don't have to follow them. They are reporting multiple accounts to all 3 credit bureaus that have NOT been validated.
Consumer complaint received 2018-08-08
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC (CT)

XX/XX/18 Transworld Systems attempting to collect a debt for what I believe was XXXX XXXX XXXX called my place of employment, I did not answer. Shortly thereafter they called my mother who was listed as my emergency contact and left a message on her machine stating that the call was regarding my 'past due account '.
Consumer complaint received 2018-08-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

Good Day, Since XX/XX/2017 I have been trying to submit a modification to Rushmore low mileage on several occasions since XXXX and XX/XX/2017 they have told me they have received the packages in later turn around or day after or two days lately with a message or city some type of a mailing no they dont have all the paperwork and when I get in contact with Rushmore and let me know if the let me know what paperwork they need which they already have received which I faxed over again and then they say they will send it to the underwriters in which what is it to the underwriters they call me back to see another different pages missing or I need to write in my own hand writing why dont I have this why that I have that I have sent documents with this complaint that I have thats involved. I have been through HARP COUNSELING, they also say I should be approved. I believe Rushmore Loan Management is trying to force me even being on XXXX through my employer out my Home for my Wife and Kids. I am sick and now that things are on track financially I can start to recover my life back. Even though I have XXXX XXXX XXXX that should not be a reason to discrminate me on being able to keep my home I do not want to lose to foreclosure. Over a year Rushmore has been stringing me along to raise the dept to make it hard to get approved for help to keep my home. They have lied to me on numerous occasions. Please help me and my family stay in our home. God Bless you.