davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
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. (TX)

I'm requesting the accounts below get verified properly or deleted immediately, because the original balances amounts, date opened, status dates, original creditor name balance update dates and creditor contact information are not matching across all XXXX credit bureaus. I sent multiple letters over the course of 1 year requesting that the accounts below or verified. My Last letter was sent off on XX/XX/2022. I asked the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX, XXXX and XXXX. 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 investigations, 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 ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. According to the FRCA the term investigated consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. In accordance with the Fair Credit Reporting Act, 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 rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I filed a Dispute XXXX XXXXXXXXXXXX XXXX XXXXXXXX thru Equifax and Equifax came back and said that the account and balance is valid. Not sure how they confirmed with and I have asked Equifax numerous times to forward me the information that XXXX XXXX XXXXXXXX provided to them to validate the debt and all I received is a credit report. When I filed CFPB complain for XXXXXXXX XXXX XXXXXXXX you can see the attached that they reported different. They mentioned that my account should be XXXX. I have never used this company before. No idea who they are and I have asked them more than one to validate the debt and they refuse. Please delete this from my credit report ASAP because it's causing harm on my credit report but providing false information.
Consumer complaint received 2022-05-13
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. (TX)

In accordance with the Fair Credit Reporting act 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 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX is currently reporting and updating on my credit file. This account was included in my Bankruptcy # XXXX in 2014. They are in clear violation of the Bankruptcy Law Act for updating on my account every month, and this needs to be removed off of my credit report.
Consumer complaint received 2019-08-29
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: Experian Information Solutions Inc. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (PA)

I paid off my mortgage. I am requesting that the company mark my Credit report as Paid in Full. I had filed Bankruptcy XXXX but the mortgage was not included. That was discharged in 2017. I have attached documentation from the mortgage servicer that is was paid in full and also the wire transfer document.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

In year XXXX, I opened a credit card and checking/saving account at BOA XXXX XXXX XXXXXXXX XXXX in the US. I had my first job in XXXX XXXX in US and is on XXXX XXXX since XXXX. 

I have used XXXXXXXX XXXX my primary bank, so I did not keep a large amount of money in BOA. 

Sometime in XXXX, BOA closed my saving account without notice and my autopay for the credit card was setup on that account. So though my checking account still holds XXXX dollars, I was late for a credit card payment of XXXX dollars for 3 months in a roll without any paper notice/text alert. There was 2 emails in my old mailbox in XXXX and XXXX, but unfortunately it was filled with spams and I don't check them regularly. 

This has resulted my credit score to go down from XXXX to XXXX, also results in my credit card getting closed without redeeming the cashback after I paid the due.
Consumer complaint received 2019-06-28
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. (GA)

I do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX XXXX   XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX. How did the student loans ended on my credit report? They do not have a place here. 
It could be that this creditor just made a mistake because the loan is in deferment. Please remove the multiple entries on student loan! DPT EDXXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX
Consumer complaint received 2018-04-26
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FEARON FINANCIAL LLC (KY)

I am sick and tired of XXXX  XXXX running rough shod over existing laws for disclosures. They are steering people ( quite illegally ) to their product, instead of truly representing their client and making sure they have choices. There is no disclosure of rate, APR and other required terms in this advertisement and that's just the tip of the iceberg when it comes to what Keller is trying to do. I will not rest until this is addressed and addressed publicly with force!!!
Consumer complaint received 2022-08-17
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: EQUIFAX, INC. (IL)

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character
Consumer complaint received 2016-03-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2016 I make a Deposit in my Bank of America business account XXXX XXXX # XXXX for {$1300.00}, on XXXX/XXXX/2016 Bank of America make unauthorized withdraw total XXXX from my account, claiming for XXXX ID:XXXX XXXX, I did not authorize Bank of America to make on with draw from my account. can you help please?
Consumer complaint received 2022-05-13
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. (FL)

I AM A VICTIM OF IDENTITY THEFT, MY INFORMATION HAS BEEN COMPROMISED, THERE HAS BEEN SEVERAL ACCOUNT OPENED WITHOUT MY VALIDATION. I AM NOW DEMANDING ALL OF THESE ACCOUNTS BE REMOVED/CLOSED BECAUSE THEY ARE DAMAGING MY BUYING POWER. I AM ASKING FOR THIS MATTER TO BE ESCALATED IMMEDIATELY. IF NOT I WILL FILE A COMPLAINT WITH THE FTC ACCORDING TO THE FTC 1970 AND THE XXXX.
Consumer complaint received 2020-12-21
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/2020 and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ALLIANT CREDIT UNION (NM)

I mistakenly set up an autodraft for my car payment to XXXX XXXX. Two payments were sent from my account before I realized the error which I quickly corrected, XXXX and XXXX of this year. I contacted my bank, then XXXX. XXXX can not find the money even though I have a prepaid monthly account with them! and XXXX is extremely poor in customer service having spent countless hours on the phone with them. My bank could care less. Most of the people working there give me the same pat answer. They do not have my back. I have no way to escalate the problem. They told me it's on XXXX while XXXX tells me it's my banks ineptitude. The bank I have been with for twenty years refused to cover me. Though it was my error they will not consider that fraud has now entered the picture. So currently, I am out of {$440.00}. I'm not trying to make excuses but since my husband died I have been mistake prone but in banking there is no room for human error or compassion. I get that. I'm not even sure I have placed this complaint in the right category.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$2400.00}. XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1800.00}. These account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on these account. I have requested on numerous occasions the proof of the charge off and update the balance to {$0.00} or delete the negative payment status on these accounts.
Consumer complaint received 2022-05-13
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. (FL)

In accordance with the Fair Credit Reporting act Account XXXX  XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 302 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 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I need to have my credit pulled ASAP for an application with my bank. 

I attempted to unfreeze my credit XXXX online XXXX by an automated phone call and XXXX by speaking with a representative. 

The representative told me I was unable to do so currently and would not provide me with a timeframe in which I could do so. I paid a service fee to freeze my credit in the first place and am also willing to pay the service fee to unfreeze it, but I would like to be provided with the ability to do so urgently so that my application can be processed. 

Furthermore, when I inquired if they could provide me further information or contact me when I would be able to, the representative on the phone hung up on me.
Consumer complaint received 2022-05-13
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. (FL)

I AM A VICTIM OF IDENTITY THEFT, MY INFORMATION HAS BEEN COMPROMISED, THERE HAS BEEN SEVERAL ACCOUNT OPENED WITHOUT MY VALIDATION. I AM NOW DEMANDING ALL OF THESE ACCOUNTS BE REMOVED/CLOSED BECAUSE THEY ARE DAMAGING MY BUYING POWER. I AM ASKING FOR THIS MATTER TO BE ESCALATED IMMEDIATELY. IF NOT I WILL FILE A COMPLAINT WITH THE FTC ACCORDING TO THE FTC 1970 AND THE XXXX
Consumer complaint received 2022-05-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TN)

I sent a letter to TRANSWORLD SYSTEMS INC. asking for : 1.Validation of the debt-that is, the actual account.

2.Verification of a signed invoice.

3.A copy of the contract Binding Both Parties ( You and Them ) in a letter by " certified mail '' so that there is an independent " witness to it having been delivered.

However, according to 15 U.S.C. 1692e,15 U.S.C . 1692d and 15 U.S.C. 1692b Not use any language or symbol on any envelope or in the contents of any communication effected by the mail or telegram that indication that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Consumer complaint received 2021-11-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

He venido haciendo seguimiento a mi score los ltimos meses, y he notado un balance incrementado cada vez que se actualiza mi nuevo score de $17 y $1, lo que estn haciendo esta afectando mi crdito gravsimamente, no pueden reportar un balance incrementado sobre todo si ya cerraron la cuenta as que les pido que no lo sigan haciendo antes que tome otras acciones.
Consumer complaint received 2021-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Upon checking my credit reports I noticed that there was a collection account reporting to the 3 major credit unions. I sent in a letter to all 3 credit bureaus ( XXXX XXXX, XXXX, XXXX ) in regards to this collection account which I did not recognize and had no information on. XXXX deleted due to no validation, I received a letter from XXXX XXXX stating that the account had been verified. Also only receiving an itemized bill from Transworld Systems stating I lived at an address in XXXX ( I haven't lived there since XXXX ) and had a light bill in the amount of {$240.00} from XXXX when I have had the same electrical company since XXXX at the address I have had since XXXX, I then sent a certified letter to XXXX XXXX and Trans World Systems ( collection agency ) which were received on XXXX and XXXX asking for validation, how did XXXX XXXX validate said account? Who did they speak to etc. Trans World as well, since this definately didn't belong to me I was requesting more information than a falsified bill. I never heard back from TransWorld and only received a letter from XXXX XXXX stating that the account was verified. I called XXXX XXXX today and they stated that everything was done electroniclly and could not help further. I spoke to a supervisor by the name of XXXX XXXX and he stated that I would have to reach out to Trans World again even though they had 30 days to respond and still no response to this date. According to the laws I read up on for consumers I thought it was the responsibility of the credit bureau to investigate accurately since they are the ones reporting it. Especially since I sent them validation on how long I've had my current address. Collection agencies should not be able to get away with making false statements/bills to try and get consumers to pay bills that do not belong to them. As well as the credit bureaus should be held responsible for reporting false information. It states that we will be able to see detailed investigation results, including name an contact details of the source of the information on how the account was verified ... .no where does it state that information just states verified and updated.
Consumer complaint received 2020-11-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

XXXX XXXX XXXX XXXX # XXXX, TX XXXXXXXXTo whom it may concern, The reason for this letter is to dispute an unauthorized inquiry on my credit report. On XX/XX/2020, I retrieved a copy of my credit report on XXXX and discovered an inquiry that I have no knowledge of that it would hit my credit. I was told that as long as the application is within 30 days of each other on a mortgage loan that I would ONLY have 1 hard inquiry. I did apply for credit with XXXX XXXX on XX/XX/2020 and was approved, that was 14 days before XXXX/Quicken Loans on XX/XX/2020. I have also reached out asking that they remove the inquiry from my credit profile. Per XXXX XXXX with Quicken Loans they do not have the ability to remove the inquiry that was falsely reported. I am purchasinga home and this inquirydropped my score over 15 points at all XXXX, XXXX, XXXX. 
I asked the operator on the chat to remove the hard inquiry, along with all my information. Your company should ask before pulling someone's credit and potentiallyaffecting the chance of homeownership, if that person has any bankruptcies or anything on their credit that could hinder an approval instead of asking for my SS, DOB and name.Please launch an investigation into the Quicken Loan inquiry todetermine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if Quicken Loan is able to prove that the inquiry is indeed valid, and is not in violation of the law, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Please remove ASAP. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CT)

I placed a temporary freeze lift on my account with Experian from XX/XX/XXXX to XX/XX/XXXX successfully online using my PIN code. Today I entered identical information using their online form to lift the freeze temporarily again from XX/XX/XXXX to XXXX, and they are requiring me to submit onerous documentation to do so. It is impossible to contact a live person to resolve the issue.