davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
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. (GA)

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  Bankruptcy XXXX, XXXX XXXX  Bankruptcy XXXX, ( Original Creditor : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an 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 and 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 who knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

Our home mortgage loan is with Lakeview Loan Servicing , LLC. A security incident involving unauthorized access to their file servers occurred in early XXXX of XXXX. As a result, a list of individuals ', including myself and my husband 's, information ( including our social security numbers ) were accessed. Due to the breech in security, Lakeview Loan Servcicing has offered a year 's membership to XXXX, a third party monitoring company, to provide security protection and monitoring services to us. 

I went onto XXXX 's website and began to fill out the information required for membership. One of the first questions asked for our social security numbers. I felt extremely uncomfortable giving this information to a company that I know nothing about and is not even listed among the top ten security protection and monitoring companies. 

We believe XXXX should pay for a security fraud protection company of OUR CHOOSING. When I tried to contact Lakeview Loan Servicing, at ( XXXX ) XXXX, I left a message for the Senior Vice President and Chief Compliance Officer, noted at the bottom of the correspondence, notifying us of the breach in security. I never received a call back. Today, I tried calling again. The gentleman who answered the phone had such a heavy accent that what he said was mostly indecipherable. In the end, I was refused the request to speak with XXXX XXXX, XXXX, Chief Compliance Officer and told to call " another day. '' So, it appears that we are left with our personal, pertinent information, floating around out there ; We have no recourse and can not reach the loan servicing company for comment, help or questions. 

Can you please help me!
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (LA)

For the past several years I have been unable to receive an credit report from any of the companies that participate in the XXXX program. 

Any attempt always results in " We're sorry, for your protection we are unable to deliver an XXXX Free Annual Credit Report over the Internet, '' " A condition exists that prevents Experian from being able to accept your request at this time, '' or " The system was unable to get enough information from the Free XXXX XXXX XXXX to complete this process. '' I used to be able to successfully obtain credit reports from the site but now I always have to call or mail the request. What is the point of having this site if it doesn't work?
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

For the past several years I have been unable to receive an credit report from any of the companies that participate in the XXXX program. 

Any attempt always results in " We're sorry, for your protection we are unable to deliver an XXXX Free Annual Credit Report over the Internet, '' " A condition exists that prevents XXXX  from being able to accept your request at this time, '' or " The system was unable to get enough information from the Free Annual Credit Report to complete this process. '' I used to be able to successfully obtain credit reports from the site but now I always have to call or mail the request. What is the point of having this site if it doesn't work?
Consumer complaint received 2019-07-21
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: CITIBANK, N.A. (RI)

Trying to rebuild my credit score download of XXXX XXXX look at it everyday get alerts noticed on XX/XX/2019 cbna for the hard inquiry and I'm wondering how can that be since I don't know who they are where they are and I didn't apply for?
Consumer complaint received 2019-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TCF NATIONAL BANK (MN)

2- Part Complaint- 1st : OPT-OUT Choice- Current XXXX XXXX have Been Charged " overdraft Fees '' so far as of today Total : {$140.00} Dates : XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX Under the " OPT-OUT '' category states '' " ATM and everyday Debit Card transactions will " NOT '' be authorized when the account balance is insufficient at the time of the transaction. '' THIS DID NOT HAPPEN AS REQUIRED, UNDER MY OPT-OUT CHOICE '', AND I -AM- BEING CHARGED-OVERDRAFT FEE 'S, and my online banking " Does Not show that ( negative amount ) transactions ( cleared online banking ), and merchants at ( Time of purchases Cleared ). 

2nd part complaint : Regarding XXXX My Compensation Portion ) of Court Case XXXX *My Account was NOT Credited ( was Due XXXX ) .Enclosed is copy of my 'year-to-date-Statements-Proof '' for which I had to make a Personal Visit to TCF Branch Location to ( Obtain the statements for XXXX ) per Court Case for Compensation 's Years- for Credits to Account. * UNDER - Frequently asked questions shows : " More Information Contact TCF Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone # XXXX Email : XXXX XXXX I called twice same day two different people- I Informed them I have Not been Credit to my account as court ordered, and " They denied me credit to account under Court order '' **Describe the methodology for " effectively '' identifying and " providing restitution to " Affected Consumers '', AND " Identifying '' the " Dollar Amounts '' of Restitution for " EACH '' Affected Consumer ''.
Consumer complaint received 2019-09-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armada Corp. (AZ)

XX/XX/2019 noticed 9 items totaling {$2100.00} from Armada Corporation, XXXX XXXX XXXX, XXXX XXXX, WA XXXX. Acount shows 6 years and 2 months old. Original debtor is XXXX XXXX. This account does not, and has never been attached to me. I have never been to the XXXX XXXX nor have I had any accounts in collection with Armada Corporation. I called to have them remove it and they can only put it in dispute. This account belongs to someone else and has never been attached to me. My credit recently dropped because they attached this to my report.
Consumer complaint received 2022-10-06
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 of the Fair Reporting Act these XXXX  accounts has violated my rights. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name XXXX XXXX  XXXX XXXX # XXXX Account name : XXXX 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 : 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 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I applied for the XXXX Amex XXXX card under the following promotion : XXXX bonus miles and XXXX MQMs after {$3000.00} had been spent on the card. When I reached that threshold, I received XXXX bonus miles and XXXX MQMs. I contacted both XXXX and Amex about this, XXXX told me it was an Amex issue. Amex told me that the " promotions change all the time '' and this was the promotion linked to my account. Basically, it became their word against mine. Had I not been actively checking my account, I never would have known that they withheld the full promotion from me. Pure scam.
Consumer complaint received 2018-08-07
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: Westlake Services, LLC (NC)

This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. WESTLAKE FINANCIAL SERVICES has been reporting incorrect information on my credit reports. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to WESTLAKE FINANCIAL SERVICES, which was received by the company on XX/XX/2018. On XX/XX/2018, WESTLAKE FINANCIAL SERVICES sent me a copy of an alleged Retail Installment Contract, which was received on XX/XX/2018. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting description of the procedure used to determine the accuracy and completeness of the information that was sent to me. I also requested the name, address, and telephone number of each person who personally verified this alleged account, so that I could inquire about how they verified without providing any proof. This follow-up certified letter was received by the company on XX/XX/2018. 

On XX/XX/2018, exactly 31 days after the receipt of the certified dispute letter was received by the company, I pulled my credit reports again, only to reveal that WESTLAKE FINANCIAL SERVICES had violated the Fair Credit Reporting Act, FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not properly providing the credit bureaus with proper notice within the required 30-day timeframe. 

Therefore, on XX/XX/2018, I sent a certified dispute letter alerting the company of such violation, which was received by the company on XX/XX/2018. As of today, XX/XX/2018, WESTLAKE FINANCIAL SERVICES has failed to comply with the laws of the FTC and the FCRA, and they are still reporting inaccurate, incomplete, unverifiable information to the credit bureaus, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have an account that appears from XXXX XXXX from XXXX that account is not mine and on XX/XX/XXXX transunion deleted that account from my record and sent me a letter that the account had been removed from my record but now it appears again in my account here I include a sample of the letter that transunion sent me saying that the account was deleted
Consumer complaint received 2019-07-21
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)

I contacted all three credit bureaus concerning my student loans werent delinquent, because they were in forbearance, they shouldve been marked as being late, I contacted student loan who had a wrong email address, since then the problem has been corrected with student loan and showing in good standing with the bureaus, but they refuse to remove the 5 months of not paying on time, when I told them in was in forbearance, it still remains the same causing my account to reflect negatively.
Consumer complaint received 2019-07-21
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. (TX)

I have been the victim of ID theft because someone attempted to file unemployment under my social security. Now I am trying to put a fraud alert on my credit. It seems that all three bureaus want us to file this via mail, including sending my SSN or DL via mail to them. I don't feel comfortable with that because my SSN was stolen and it is easy to steal mail. Also, I have relatives working for the Post Office and they advise not to do so. I tried to upload the documents with Experian, but it never worked although the file size was fine, I had only 2 documents, and all my info was correct. I tried to email Experian, but they do not even give us an email to submit a request.
Consumer complaint received 2019-07-21
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. (NY)

I have disputed an account XXXX XXXX XXXX XXXX  ) in the amount of {$1500.00}. This balance is showing on my credit reports which is incorrect as it has been paid in full by the dealer on XX/XX/2019. I had contacted XXXX XXXX XXXX  personally myself to confirm the payment from the dealer was paid in full to the bank. It has been confirmed as paid in full and XXXX balance. I disputed this amount with all 3 credit reporting agencies and received a response today from XXXX  that I need to submit additional information or they will not dispute this for me. This is wrong because its adding to my debt to ratio and in fact I do not owe this amount. It is affecting my credit score. I do not have proof that the {$1500.00} was paid in full as I mentioned earlier when I turned in the old lease the dealer paid in full the balance owed to the bank and I re-leased a new vechile from there.
Consumer complaint received 2019-07-21
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. (NY)

I have disputed an account ( XXXX XXXX  XXXX ) in the amount of {$1500.00}. This balance is showing on my credit reports which is incorrect as it has been paid in full by the dealer on XX/XX/2019. I had contacted XXXX XXXX XXXX  personally myself to confirm the payment from the dealer was paid in full to the bank. It has been confirmed as paid in full and XXXX balance. I disputed this amount with all 3 credit reporting agencies and received a response today from XXXX that I need to submit additional information or they will not dispute this for me. This is wrong because its adding to my debt to ratio and in fact I do not owe this amount. It is affecting my credit score. I do not have proof that the {$1500.00} was paid in full as I mentioned earlier when I turned in the old lease the dealer paid in full the balance owed to the bank and I re-leased a new vechile from there.
Consumer complaint received 2023-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (ID)

I called the company which has reported it to all 3 credit bureaus, I was hung up on twice after they repeatedly said they couldnt even locate the account through my social security number or account number listed on the Experian website. Finally my husband called back because I was in tears and he got the same answer they could not locate the account on their end. I told them I would screenshot shot and email what I was looking at and they refused. I told them I was a victim of identity theft that was so severe that I legally had to change my name and now I will be having file for a new social security number but they didnt care they still refused to remove the debt. It is not mine obviously and the fact they couldnt even find it in their system and refused to remove it then hung up on us a third time Im at a loss. My credit has been ruined due to this person stealing my identity. Ive lost everything from my house, my job, XXXX XXXX XXXX  and I was insured through Experian who has not compensated me a dime even though their logo is that we will take care of you and your insured for a XXXX dollars. I have police reports, bank statements, XXXX accounts, XXXX accounts, the list is never ending. Now 2 cell phone bills in collections that were opened by 2 different companies 2 months apart in states Ive never lived in. Im begging for help. My credit is already ruined and continues to be ruined. This person opened docial media accounts with my maiden name, and my married name. Has previous address dated back when I was in sixth grade. She has my birthday listed as hers, my parents and children listed as hers. The police have done nothing Ive filed with the FTC already yet Ive received no help at all. XXXX is the insurance company who is supposed to pay out claims for identity theft victims for Experian yet they just ignore me even though they after a thorough investigation they found my identity to in fact to be stolen. The amount of damage and damage that is still going on is priceless. I cant even get a credit card. She dropped my credit from a XXXX to a XXXX. Please Im begging for someone to help me, Ive been XXXXXXXX XXXX XXXX XXXX XXXX XXXX  because of ongoing damage. Just today she hacked my XXXX account, shes hacked two of my email accounts Ive never been able to recover.
Consumer complaint received 2023-04-01
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: Experian Information Solutions Inc. (MI)

I have a XXXX XXXX. Under my FHA home loan and insurance I was protected from these late payments and filed all paperwork and was approved. I have been to court and these collections were dismissed by the judge. 
The credit reporting agencies still refuse to remove them and update my accounts This debt that was dismissed also keeps going back on my report and bill collectors call me back to back every day. Please help me
Consumer complaint received 2019-09-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (WI)

LVNV FUNDING LLC {$1300.00} XX/XX/2019 Hi Sir/Ma, One day I checked my credit report just to see what was on my credit file, unfortunately I found this account that I am not aware of, I tried to dispute it, and request for debt validation to proof. Examples, Valid copies of the debt agreement stating the amount of the debt and interest charges, Agreement with the creditor that authorizes you to collect on this alleged debt, and Complete payment history on this account along with an accounting of all additional charges being assessed, to my surprise they did not respond to all my mails. Thank you. XX/XX/2019.
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I had a credit card account with XXXX  XXXX and it was charged off. I entered into a settlement to pay off an agreed upon balance. I made monthly payments and paid o Everything that was agreed upon. For some reason, XXXX and XXXX recognize that I have a {$0.00} balance and account is settled, but TransUnion doesnt recognize this. I just want accurate information on my TransUnion report.
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file, the items i need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove these items from my file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commission identity theft affidavit. However, I request that you remove these items immediately