davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
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. (PA)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, comments are inaccurate, amounts are inaccurate, and credit/balances amounts are inaccurate. These are grounds for removal they also violated my rights under 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 an account without my written instructions
Consumer complaint received 2019-01-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Ad Astra Recovery Services Inc (WI)

I was contacted and told that I would be sued and arrested  if I did not pay. I requested that the debt be validated because I had no contract with the company. I never received anything.
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I tried to submit a dispute online at experian.com but it would not allow me to. There are incorrect versions of my name, as well as an incorrect address listed on my credit report. 

My name is XXXX XXXX XXXX. 

REMOVE : XXXX XXXX XXXX ( Name ID : XXXX ) XXXX XXXX XXXX ( Name ID : XXXX ) XXXX XXXX ( Name ID : XXXX ) XXXX XXXX ( Name ID : XXXX ) Also, my address is XXXX XXXX XXXX XXXX , XXXX, FL XXXX. 

REMOVE : XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX FAMILY The variation of my address and of my name are incorrect. I have attached a copy of my bank statement proving my address and my ID to provide proof of my name.
Consumer complaint received 2019-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WINN LAW GROUP, APC (CA)

WINN LAW GROUP IS TRYING TO COLLECT DEBT THAT DOES NOT BELONG TO ME. I HAVE BEEN A VICTIM OF IDENTITY THEFT THEREFORE RESULTED AN ACCOUNT THAT DOES NOT BELONG TO ME. XXXX XXXX XXXX XXXX IS FRAUDULENT, AND NOT MINE.
Consumer complaint received 2023-03-28
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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 the information is inaccurate.
Consumer complaint received 2023-03-31
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: Experian Information Solutions Inc. (NY)

AS OF XX/XX/2023 I have noticed XXXX XXXX XXXX XXXX  AMOUNT OWED XXXX $ Acct # XXXX fraudulent accounts on my credit report and consumers report The names and address and on my 3 Bureaus are incorrect On these grounds is reason to remove fraudulent accounts permanently now BELOW IS A LIST OF FRAUDULENT INQUIRIES REPORTING ON MY CREDIT PROFILE 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX
Consumer complaint received 2023-03-31
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)

AS OF XX/XX/2023 I have noticed XXXX XXXX XXXX XXXX  AMOUNT OWED XXXX $ Acct # XXXX fraudulent accounts on my credit report and consumers report The names and address and on my 3 Bureaus are incorrect On these grounds is reason to remove fraudulent accounts permanently now BELOW IS A LIST OF FRAUDULENT INQUIRIES REPORTING ON MY CREDIT PROFILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-18
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. (MI)

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. I sent my request way past 30 Days before but I still didn't receive anything from Experian. Per FCRA, without any response for 30 Days after disputing my accounts should be considered as deleted or removed. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00}
Consumer complaint received 2019-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I Sent all the proper docs to XXXX and transurion and they still have not remove the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have call multiple times for the past two months to get this handle
Consumer complaint received 2023-03-31
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

AS XX/XX/2023 Ive noticed fraudulent accounts CAPITAL ONE CREDIT CARD Amount owed XXXX $ XXXX List of fraudulent inquiries below 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 fin fc XXXX XXXX XXXX
Consumer complaint received 2019-04-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION (CO)

BB & T is the loan servicer on my delinquent FHA mortgage loan. Although I engaged their loss mitigation department seeking assistance, I dont feel that they have a vested interest in ensuring that my loan is put through a review for retention options. Instead, they have scheduled a sale date on my property for XX/XX/2019. I believe that there are certain servicing guidelines that they must follow when servicing FHA loans. They have never offered me a forbearance, loan modification or other retention option to save my home. I went through some rough times financially, but am getting back on my feet. My ex-husband is not paying his child support payments nor alimony. I have XXXX kids, work full time as a XXXX and am doing the best I can. I need BB & T to work with me so that I can keep my home. With the responsibilities that I have, I can not find another place to live or be thrown out onto the streets. I am hoping that you could look into what they are doing with my loan and why they have failed to offer any sort of mortgage retention option that would allow me to save my home. I made a phone call to them late last year and they said that I can send them in an application, but the process was very daunting. I feel that they just slapped a sale date on my home without really trying to help me. I am sending then a full package for review for mortgage assistance and am hoping that you could contact them to ensure they follow proper protocol when it comes to requests for mortgage services.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

XXXX XXXX XXXX XXXX Balance {$19000.00} Balance updated XX/XX/ Original balance {$15000.00} Credit Grantor reclaimed collateral to settle defaulted mortgage
Consumer complaint received 2023-04-04
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)

This is my 11th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00}
Consumer complaint received 2019-02-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP (MI)

Discriminatory and predatory lending practices. Issues with proof of income were compounded and delayed by lack of follow up on part of mortgage officer. 
Documents requested by XXXX  were not reviewed for accuracy before being submitted to underwriting. No follow up on part of XXXX anytime borrower called or texted XXXX claimed to be busy with something and unavailable to talk. Loan closing disclosures not providing accurate information despite multiple requests from customer for corrected information. No response from management regarding customer complaints submitted via phone and email. Mortgage officer indicated that he was made aware of customer complaints. Customer believes that mortgage officer intentionally delayed handling of mortgage documents and customer communication as retaliatory response to consumer complaints.
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (GA)

I have recently discovered that I am a victim of identity theft. Beginning in XXXX, accounts were being opened under a different variation of my name ( XXXX, XXXX XXXX ) and also an incorrect social security number similar to mine ( XXXX ). I have alerted the IRS and also submitted credit disputes with XXXX and Experian. 

On XX/XX/XXXX I sent a credit validation letter via certified mail to XXXX. According to USPS.com, XXXX received the letter on XX/XX/XXXX. I have not received a response and the fraudulent accounts are still being reported to my credit. 

In XX/XX/XXXX, I submitted a dispute to Experian as well to inform them of the fraudulent activity on my credit report. They sent dispute results which included the deletion of a few accounts, however, all accounts were not removed.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX XXXX XXXX  data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

My current address is XXXX XXXX XXXX XXXX XXXX XXXX My phone number is XXXXXXXX XXXX All other info is outdated and inaccurate and should be removed from my reports from all three credit bureaus. 
No alias names should be included. 
Remove all previous addresses.
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (PA)

Hello, my name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I am unable to purchase a house or do anything with this inaccurate information on my report. Please remove these as soon as possible.
Consumer complaint received 2023-04-04
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. (KY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2022-02-18
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)

Section 605b of the Fair Credit Reporting Act requires bureaus to block from display, all items received that are fraud : 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I have disputed a number of items of fraud after my identity was stolen ... ALL these items remain on my file. They are as follows : 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 of MO ( XXXX ) XXXX XXXX XXXX  XXXX ) XXXX XXXX ( XXXX ) XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (GA)

The issue I am having is trying to get the SCRA ( Service Members Civil Release Act ) applied to my XXXX XXXX XXXX. My orders and all additional information to prove that I am in the military were accepted on XX/XX/2023. The letter that was sent back denying my eligibility states that the account was opened after the servicemembers entered active duty date. I contacted Comenity Capital Bank on XX/XX/2023, to talk about my situation with a customer service representative about my concerns. The policy that the representative and a manager told me was that the SCRA could only be applied to an account before the enlistment process into the military service had begun. I repeatedly told the representatives this was incorrect because I was fine opening other accounts. The SCRA is supposed to handle debt before enlisting, but it also covers service members during their enlistment when they apply for the SCRA on a credit card. This will be my second contract and fourth consecutive year of military service, and this is my first occurrence of this event. Still, I find it highly disrespectful to be denied, especially as a service member, and it makes me consider that I may not be the only one who has dealt with this similar issue.
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (NY)

AS OF XX/XX/2023 I have noticed XXXX XXXX XXXX XXXX  AMOUNT OWED XXXX $ Acct # XXXX fraudulent accounts on my credit report and consumers report The names and address and on my 3 Bureaus are incorrect On these grounds is reason to remove fraudulent accounts permanently now BELOW IS A LIST OF FRAUDULENT INQUIRIES REPORTING ON MY CREDIT PROFILE 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 fin fc XXXX XXXX XXXX
Consumer complaint received 2019-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (FL)

called to inquire about a collection account on my credit report. Call Diversified Consultants on Monday to inquire and was told that they represent XXXX  XXXX and that they had referred my file to them for collection. I paid my bill in full before I closed the account. I expressed my concern with the negative reporting because I am closing on my home mortgage and it will affect my closing. I inquired about how to get it removed and was told that i had to contact XXXX directly. XXXX  told me that i had to contact Diversified. In the meantime i am being hurt by their lack of action. They only care that i pay the amounts i dont owe and that's it. Nothing else.
Consumer complaint received 2019-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

My mortgage account was recently transferred to Flagstar Bank ( acct XXXX ). I received a notice that my escrow account was short and that my payment will increase by {$150.00}. I called and spoke to a customer service rep with Flagstar and was informed that its their policy to have a cushion of 2 months for taxes and insurance. I am aware that according to 1024.17 ( c ) it states that the servicer " may '' require the borrower to pay additional monthly deposits or do nothing. " May '' is the key term meaning that the servicer can be consumer friendly or not. By allowing my mortgage payment to increase XXXX XXXX  monthly could potentially put me in a delinquent status which could cause other issues that I do not want to incur.
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NV)

Chase bank terminated my bank checking and savings account and credit card account without any notice. Online account access was blocked citing " ... locked due to suspicious activity ''. I called the telephone number provided and was told no details would be provided per Chase policy. I spoke with a supervisor who told me the same. I visited a local bank branch who repeated the same information after making a call to Chase headquarters. " Chase is terminating its relationship with you '', was the only statement provided. The branch refused to refund my money and refused to pay any possible non-payment fees for upcoming auto-payments affiliated with the accounts. I was told I would receive a cashiers check in XXXX days for the account balances. In the meantime I have no cash and no credit card for daily expenses.
Consumer complaint received 2019-02-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (NV)

I took out a loan on or about XX/XX/18 in the amount of XXXX dollars. I have been making bi weekly payments on it on my due date in the amount of XXXX. I asked to skip 1 payment and I was granted it. Then I asked for a payoff amount on XX/XX/18 which resulted in the amount of XXXX. That is a ton of money given that I have been making payments on this since XXXX. I feel as if my amount requested and the amount I have been paying has not made a dent in the my loan. I am underwater here and trying to make it work out. I don't believe it is right for them to have to charge me such a high finance rate and almost triple the amount owed if I make the correct amount of payments on it. I can not find my loan number on my agreement either.