davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-10-11
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. (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. 

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 # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX  : # XXXX, XXXX XXXX  : # XXXX, and 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 2019-06-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: SUNTRUST BANKS, INC. (VA)

I called my bank on today what is Suntrust and I was calling about my check cards theyre trying to tell me that the information that they have a new system doesnt match the billing ZIP Code and I said what half that possible when you all send me my statements to the same address every single month. So I just love how Suntrust took it upon yourself to change it in the system the address I have for one card should be the same address for the other car but somehow mysteriously the addresses got changed Im not understanding hot as possible it is been the same address when I open up the account three years ago
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I would like to say I called Each credit reporting agency spoke to their consumer relations department and asked about the student loans I have on my report 12 as a matter of fact 2 for each loan I have they all agreed that yes in fact each loan was reporting twice and that they would have wait on XXXX to tell them there is an and the accounts should be removed how is that possible given that XXXX was given a set of rules " Metro 2 '' Guide lines section 8 of that guide line for student loans says : " For Multiple Disbursements of the Same Loan Combine multiple disbursements into a single account.

Retain the original Consumer Account Number.

Retain the original Date Opened of the first disbursement.

Increase the Original Loan Amount, Current Balance, and Scheduled Monthly Payment Amount ( when in repayment ) to include totals for all disbursements '' Then even gives and example on how it should report just in case the company on the other side can not read I guess. 

So how is it that XXXX Trans Union And XXXX are not aware of the rules or is it they just dont care as to the harm they are causing according to the FRCA '' Asarule, itsillegaltoreportinformationthat youknoworbelieveisinaccurate.Youhave reasonablecausetobelievethatinformationis inaccurateifyouhaveknowledge, otherthan allegationsfromtheconsumer, thatwouldleada reasonablepersontodoubttheaccuracy oftheinformation.FCRASection623 ( a ) ( 1 ) ( A ) '' Are the Willfully Non Complaint UNDER THE FCRA and dont care that they are causing undue harm to myself and my family or are the just untrained and lazy?
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-02-09
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. (NY)

I have reviewed my credit report and still find unauthorized inquires reporting. I have demanded these be removed multiple times with FTC report and proof of identity and they have not all been removed. I did not give written consent for this to be furnished to my report.
Consumer complaint received 2021-03-10
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Angel Oak Mortgage Solutions LLC (FL)

We started the refinance process in XXXX of 2020. We were also purchasing a home at the same time. We closed on our new home in THREE weeks, that was quadrupple the price and value of our rental property. This company was selected by our broker because they offered the best interest rates. We signed the contract and the intesrest rate was 3.625 %. After countless back and forth, requesting documents that we had submitted multiple times, we were set to close in XXXX. We received closing information on XX/XX/XXXX, to close on XX/XX/XXXX. The interest rate was 4.625 %. We never received a loan disclosure indicating that the interest rate changed. There was not formal paperwork disclosing the change in rate or the reason why. We have been dealing with the lack of professionalism for thre months. It does not take three months to complete a refinance on the home. There were no issues with credit, or any of the normal things that can delay the process, so the three month time frame was excessive and daunting. Mortgage lenders are required to notify you of changes in rates in writing, along with and explanation. The only way we found out was when the title company sent over the documents to review. I have every email and corresondance and they never sent a loan disclosure or settlement documents. Our mortgage broker contacted them immediately and the only thing they said, was that the appraisal came in low, so they had to increase the interest rate. My issue is that no one from this mortgage company contacted us in writing and failed to provide the proper documentation.
Consumer complaint received 2022-10-11
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. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Balance : {$4400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$370.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$730.00} ; XXXX XXXX XXXXXXXX Balance : {$770.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX Balance : {$820.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-03-15
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. (GA)

In accordance with the fair credit reporting act XXXX XXXX XXXX [ Account # XXXX ], XXXX XXXX XXXX  [ Account # XXXX ], XXXX XXXX XXXX XXXX Account # XXXX ], have violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 

In addition this account is listed in a bankruptcy. Since the information is included in a bankruptcy it should not be reporting separately to my consumer report. 

Delete these accounts
Consumer complaint received 2022-03-15
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. (GA)

In accordance with the fair credit reporting act XXXX XXXX XXXX [ Account # XXXX ], XXXX XXXX XXXX  [ Account # XXXX ], XXXX XXXX XXXX [ Account # XXXX ], have violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 

In addition this account is listed in a bankruptcy. Since the information is included in a bankruptcy it should not be reporting separately to my consumer report. 

Delete these accounts
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-02-09
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. (VA)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX Dear Mr.Mrs. 

Im reporting Bank of America, inaccurate account, account number XXXX ending in XXXX Bank of America, Duplicating credit card and Misleading information and personal information with third party. Twice same account, at same time and year on XXXX, fraud and using my personal information sharing with third parties Bank of America using two companies at same time and year, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX 


On XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, on behalf of Bank of America Letter find attached We previously sent you a letter regarding the above reference matter debt own to Bank of America , N.A On behalf of Bank of America , N.A , we are please to present you with the following offer, Bank of America , N.A will accept 60 % of the balance owed to resolved this account for less than the full amount due .This means you pay only {$3900.00} to resolved this debt. 

And On XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Fl, retained by Bank of America Letter, find attached XXXX, XXXX XXXX XXXX, XXXX XXXX, Fl., For the amount {$7100.00}, I informed Bank of America account no mines, I deny account, account number XXXX ending in XXXX I have a victim of ID Theft, I reported matter to ID Theft Federal Trade Commission on Find attached, page dated XX/XX/XXXX This is Bank of American on a competition and duplication of monies inconsistent Misleading information on a credit card. 

XXXX credit bureau, deleted Bank of America account on XX/XX/XXXX, find attached page Unverifiable account. 

In addition I reported account to Federal Trade Commission, ID Theft There is proof of account inaccuracy, available upon Bank of America request Bank of America account, account number XXXX ending in XXXX, no mines I deny account. 

Im Demand close letter ASAP for account number XXXX ending in XXXX. 
ASAP Bank of America is affecting me by all means and mental health. 


Thank you XXXX XXXX
Consumer complaint received 2021-07-26
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. (TX)

Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 65 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 65 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Consumer complaint received 2022-12-04
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: Grain Technology, Inc. (GA)

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 an 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 2021-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

in XXXX of XXXX, I suffered and got very ill during the early days of the XXXX. I was not able to make my credit bill for the month of XX/XX/XXXX. During my recovery I was able to call my Capital One, my credit provider and my payment was made later. And all was settled. Or that was what I thought. 
I have been with Capital since XX/XX/XXXX and have never ever missed a payment until I got ill. 

The problem is capital-One reported my one missed payment to the Credit Bureaus and this has placed a serious blemish on my credit that I am currently suffering to rebuild. 

I called Capital One, my my credit card Provider and have pled with then several times. I formally wrote a letter to their Utah Division that is responsible for handling such issues but all I have got is NO. 
Attached is a case number of their { XX/XX/XXXX '' most recent response to me : XXXX My credit has been bad and I am on course to fixing it. I have suffered from paying high interest whenever any lender decides to give me any loan. I can rent an apartment on my own because of my bad credit. 
Now that I am on course to fixing my credit and blemish shown credit right now is destroying me further by keeping the the claws of poverty. 
I have had a credit account with capital One for 2 years and 8 months, the only payment missed was when I was ill. This Illness was due to no fault of mine, so how can I be punished for years to come because of it? How? 
Please, Please, Please!! Help me!!
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-02-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Glacier Bancorp Inc. (MT)

Western Security Bank ( Glacier Bank ) underwriting requirement imposed The applicant can not have any late mortgage payments 12 months prior to the application ''. This requirement results disparte low income residents of the City of XXXX, Montana access to federal assistance programs ( XXXX ). 

Im a Protected Class citizen Guardian of XXXX XXXX XXXX XXXX XXXX. I am very concerned about my child 's lead paint exposure. My application to the City oXXXX XXXX submitted XX/XX/2020 was denied based on the imposed requirement implemented by Western Security Bank and City of XXXX The Federal Housing Program is made unavailable to low income residents and results disparate from access to Federal Housing Rehabilitation program assistance. 

Disparate impact on our community and direct impact forcing blight and homelessness. Federal Assistance programs were adopted to serve low income persons ; which Western Security Bank and CIty of XXXX have created their own set of rules to avoid assisting our low income population housing needs, thus no Fair Housing can be found. 

I needed a Federal Assistance XXXX XXXX LOAN to remove lead paint, repair windows and fix a water leak. Western Security Bank and City of XXXX violated my rights and held the program above me, as if almighty. My application was denied 3 times including board member and city council voting. Its a group thing. 

Included the attached you will find City of XXXX  recommendation to City Council proves privacy in communications violations and false statements.
Consumer complaint received 2018-09-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA has a glitch in their backoffice auto-payment system that caused one of my payments to be 30 days late. USAA will not take failure ownership. USAA has a glitch in their backoffice auto-payment system that caused one of my payments to be 30 days late. USAA will not take failure ownership. USAA will not PUBLICLY acknowledge that their system has a problem and has refused to correct the late payment credit reporting on my account.
Consumer complaint received 2022-10-11
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. (NC)

The items listed below are reporting on my personal credit file and were found in my credit reporting. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00} ; XXXX XXXX XXXXXX/XX/2022.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.