davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Today XX/XX/ I received a TransUnion letter that showed its continuous persistence to violate my rights asserted under the FCRA and other applicable laws ( attached file of my personal information within TransUnion shows unauthorized and never existed before account with XXXX XXXX under description # XXXX****. I disputed this account and Transunion just wanted to retaliate too against me in this directed blacklisting and retaliation from Some corporates of scam and fraud their end is soon and they will dissolve ). 


- - - I repeatedly proved with evidence that the only XXXX XXXX credit account that I had had the following description as shown in my attached Transunion Credit report of XX/XX/ ( I also attached the exact page 27/35 of the credit report where information of the account located ) : # XXXX**** which Ive kept paying for its balance until this month I paid off ( see attached copies of payment checks ) and it was already closed by XXXX XXXX on XX/XX/ according to XXXX XXXX itself and it is a different long detailed story of retaliation. I also attached my last check payments via Bill-pay service from my bank. The payments were all for account # XXXX****. 

- ______________ Conclusion : Account # XXXX**** is missing from my credit report. 
Unauthorized account # XXXX**** is forced against my will on my Transunion file and by Transunion that knows now and before the above facts with undeniable proofs. 


Demand : 1-delete immediately the unauthorized account XXXX**** and its information because it is not correct it is inaccurate. 
_________________ 2-fix and put back the correct account information for my account # XXXX**** - - It is that very simple and easy fix if I do not see my Transunion credit report fixed and corrected by Transunion from the errors and/or inaccurate information referenced and detailed above and as soon as possible. Then Transunion decided to dishonor the law and has no respect to the role of the CFPB in this process now. 

XXXX All stated herein is to my current states belief, knowledge and understanding and it is all subject to any correction or any thing and only by my person or my representative and at any time and Without waiving my rights. 


Thank you, XXXX XXXX
Consumer complaint received 2019-09-30
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: ALLY FINANCIAL INC. (NV)

XXXX XXXX is showing up on my credit reports multiple times for car loans. I did not authorize them once let alone 3 time 3 days in a row ally financial is showing up three times as well
Consumer complaint received 2023-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank (CA)

I received a letter from First Progress my oldest credit card of over 11 years. It was dated XX/XX/XXXX but I did not receive it until XX/XX/ requesting " AN ORIGINAL OF A STATEMENT OF THE BANK ACCOUNT USED TO FUND THE SECURITY DEPOSIT OF, AND/OR IN MAKING PAYMENT ON, YOUR FIRST PROGRESS ACCOUNT ''. The problem is that it stated that if the information was not received within 15 days they would close my account. Obviously this time had already passed by the time I received this letter. At this time we had received several feet of snow which might have caused some of the delay but this would not explain receiving the letter being so late.I called First Progress on several different occasions. I explained the situation to the agent and was told they would make a note in my account and not close it. I called a second time asking for a supervisor and was told none were available but would be called back within an hour. That call never came.After several attempts to contact a supervisor I was able to speak to XXXX after receiving a letter that my account was closed. He advised me to fax over the documents I had already placed in the mail since we were getting so much snow and the mail was severely delayed. I have also sent them a letter and a fax which i will include with this report and my account is still closed and I haven't heard a peep from them.
Consumer complaint received 2021-02-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC (CO)

Dynamic Recovery Solutions , LLC XXXX XXXX XXXX, XXXX. XXXX XXXX SC XXXX This company call on a different phone number every day and I have blocked Them and they call between XXXX XXXX and XXXX XXXX. 

The reason I do not want to speak with their rep. is that they repeat the persons personal information over the phone when they are not to before when they are in formed beforehand that the person had a identity theft of personal info. 

The telephone not secured, anyone can listen in on the conversation and use it later. This company needs to respect other peoples request when doing business Over the telephone.
Consumer complaint received 2023-03-17
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. (NC)

In accordance with the fair credit reporting act, the list if accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX accordance # XXXX, XXXX XXXX/ my place acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct XXXX XXXX, DBA XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX 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 : 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 reports containing any of the following items of information, any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 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 2021-12-09
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. (NC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2019-09-30
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: World Acceptance Corporation (TN)

This World Finace account was closed in XX/XX/XXXX and charged off ... .put on my credit report as a derogatory account ... And now in XX/XX/XXXX World Finance is suing me in court for full payment of the loan. This is fraud and deception at the highest level. TN allows this abuse on working class citizens and IT IS WRONG!!!!! WORLD Finance abuses the Financial institutions credit rules with extremely high interest rates and unethical payment strategies.
Consumer complaint received 2019-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

My loan XXXX has shifted many mortgage companies hands since my husband and I took out the original loan XX/XX/XXXX. 

I thought sure we purchased Mortgage Protection Insurance in case of the death of either spouse. The original loan mortgage was sold to other lenders. 

I would like to have someone check on this since my husband passed on XX/XX/XXXX and I would like this balance paid off as I believe we signed up for this protection. 


XXXX XXXX XXXX XXXX XXXX CT XXXX, TX XXXX
Consumer complaint received 2019-09-30
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital one is showing up on my credit reports multiple times for car loans. I did not authorize them once let alone 3 time 3 days in a row XXXX XXXX is showing up three times as well
Consumer complaint received 2023-03-17
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 am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX {$540.00} account number XXXX XXXX XXXX XXXX XXXX  {$870.00} account number XXXX XXXX XXXX XXXX XXXX  {$410.00} Account number XXXX XXXX. XXXX XXXXXXXX XXXX XXXX {$430.00} account number XXXX XXXX. XXXX {$660.00} account number XXXX XXXX XXXX XXXX XXXX {$910.00} account number XXXX XXXX XXXX XXXX XXXX  {$990.00} account number XXXX XXXX. XXXX XXXX XXXX {$9300.00} account number XXXX XXXX. XXXX XXXX  {$470.00} account number XXXX XXXX XXXX XXXX XXXX {$240.00} account number XXXX XXXX. XXXX XXXX XXXX XXXX {$1500.00} account number XXXX XXXX. XXXX XXXX XXXX XXXX {$1300.00} account number XXXX XXXX Credit usage {$450.00} account number XXXX https : //www.ffiec.gov/exam/InfoBase/documents/02-con-fair_credit_reporting_act-000799.pdf In 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 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.

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.

The accounts list in the above paragraph 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 2019-09-30
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. (CA)

Equifax while experiencing " maintenance '' issues for 15 calendar days,24 hours/day was unreachable online to conduct a dispute.I called their '' fraud dept. " at XXXX to conduct the dispute.They refused to conduct a dispute because they failed me on account balance questions that vary every single month, and since XXXX can not produce an Equifax credit report I can not see the answers to their unschooled questions after having to listen to XXXX instead of English for 15 minutes, therefor I am here today.

On Equifax bureau, XXXX XXXX/XXXX  ACCOUNT NO. XXXX IS REPORTING INACCURATELY. 
THE CREDITOR TOLD ME ON THE PHONE THAT THEY WOULD TAKE CARE OF IT, BUT HAVEN'T .... POSSIBLY ( IT COULD BE EQUIFAX ERROR ) THE ACCOUNT IS CLOSED AND THERE IS 0 BALANCE NOT ... ... .OPEN AND {$75.00} BALANCE.CORRECT OR DELETE.
Consumer complaint received 2019-04-03
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)

I been incarcerated since XX/XX/2012, and now I'm looking into my credit, I discovered unknown accounts to my knowledge and I'm requesting that these accounts be removed from my report, XXXX {$180.00}, {$370.00}, XXXX XXXX {$400.00}, {$110.00}, XXXX XXXX XXXX {$1.00} XXXX, XXXX XXXX {$1300.00}, XXXX XXXX XXXX {$83.00}, {$150.00}, XXXX XXXX XXXX {$610.00}, XXXX XXXX XXXX {$150.00}, {$41.00}, {$40.00}, {$20.00}, XXXX {$610.00}, XXXX XXXX XXXX {$1000.00}, XXXX XXXX {$0.00}, XXXX/ XXXX {$610.00}, I would appreciate if these accounts was removed immediately.
Consumer complaint received 2019-04-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (CA)

XX/XX/2018 paid XXXX XXXX XXXX wireless contract which wireless lines for XXXX and XXXX amount paid {$790.00}. I wanted a prepaid cell phone service which startedXX/XX/2018 I paid {$50.00} for both lines. then i got email bill from XXXX XXXX XXXX that stated I owed {$260.00}. then the bill went up to {$590.00}. I attempted to call XXXX XXXX XXXX and send a fax for a complaint and my issue was not resolved. I spoke with XXXX XXXX XXXX representative who told me to contact the collection agency since my account was sent to the collection agency.
Consumer complaint received 2023-03-17
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. (NJ)

In accordance with the fair credit reporting act account XXXX XXXXXXXX has violated my rights 15 usc 1681 section 602 A states I have a right to privacy 15 usc 1681 604 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-10-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

I was stolen from for XXXX dollars of my money from a fraudulent online theft through a XXXX money transfer. My bank account was closed and nothing was done to the thieves. They continue to do business with the assailants. While my bank account money was stolen and my bank account closed.
Consumer complaint received 2019-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I had a flood in my house which my insurance paid me $ XXXX to fix. XXXX was quick to issue my check and unfortunately, Shellpoint has not followed their own procedures or california law with respect to releasing the funds owed to me. I am XXXX weeks pregnant, already displaced from my house, and now unable to pay contractors who have been working to repair my home. I have one threatening a lien, one is saying they will leave the job and I have paid XXXX out of my own pocket when I am paying for living expenses and my mortgage already. 

I have called and emailed Shellpoint every day from XX/XX/XXXX, since after they received and cashed the XXXX insurance claim check. 

XXXX XXXX the Loss Mitigation analyst has not responded to me in over a week. 
I escalated to XXXX XXXX he also stopped responding. 
I had to refuse to hang up to reach the manager XXXX XXXX, who now has all documentation and is well aware Shellpoint refuses to pay money until an inspection is scheduled. 

The inspection has been requested every day from XX/XX/XXXX. They refuse to let me order my own inspection, they refuse to give me the inspection company name. I dont know how else to get access to these funds owed to me.
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (MT)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Remove these accounts on my credit file ASAP : 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 2019-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Good Evening, I submitted complaint XXXX against Capital One and XXXX  regarding a 30 day late on my credit report after I paid the indicated past due balance to Capital One. 

I received a phone call from XXXX with the executive office at Capital One advising me that she had reviewed my file and that I had paid the past due fee, which is not the past due amount. XXXX admitted that the statements can be confusing and that Capital One does not include the past due amount on their statements because they do not want you to pay the past due amount only, they want you to pay the amount in full. The issue I have with this is, if a consumer can not pay the full amount, it is not Capital One 's decision to take the ability to make the past due payment and avoid a 30 day late on their credit report away from the consumer. XXXXCapital One did not reverse the 30 day late as they state they were correct in reporting it because I only paid the past due fee ( which I understood to be the past due amount ). 

I find the practices of Capital One to be unethical. Per XXXX, I would have had to contact collections to find the true past due amount. My question to XXXX was, how was I supposed to know to contact Collections? Capital One is deceitful and very uncooperative. 

I also asked Capital One to assist me during my financial problems. I am currently a XXXX XXXX  XXXX, on full bed rest and unable to avoid the high bills I'm receiving every month from Capital One. I explained my circumstances and I was denied assistance with paying my bills. I was told there was not program that could be offered to me. I find this hard to believe! It only seems logical that Capital One would like to receive some portion of their payments every month instead of me not being able to pay them anything and having my credit ruined because of my unavoidable inability to pay. 

Sincerely, XXXX
Consumer complaint received 2019-09-30
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. (FL)

XXXX XXXX  has reached a settlement with me back on XX/XX/XXXX where they agreed to remove this and all accounts they wrongfully reported in first place to CRAs under my social. See attached final stipulation as a proof of my statement. To this day XXXX keeps reporting NEGATIVELY account they legally agreed to delete ... also see attached page from exp evidencing the presence of this erroneous account. My numerous attempts to reason with XXXX and request a removal of this account as negotiated are being ignored for 2+ years now ... 
XXXX/XXXX  XXXX  XXXX  Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Transferred, closed. {$4100.00} written off.
Consumer complaint received 2019-09-30
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. (FL)

XXXX XXXX  has reached a settlement with me back on XX/XX/XXXX where they agreed to remove this and all accounts they wrongfully reported in first place to CRAs under my social. See attached final stipulation as a proof of my statement. To this day XXXX keeps reporting NEGATIVELY account they legally agreed to delete ... also see attached page from XXXX evidencing the presence of this erroneous account. My numerous attempts to reason with XXXX and request a removal of this account as negotiated are being ignored for 2+ years now ... 
XXXX XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Transferred, closed. {$4100.00} written off.