davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-27
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: EQUIFAX, INC. (NC)

Ive noticed unauthorized inquiries on my report that I wanted off. Ive filed police report & mailed everything XXXX  told me to mail. STILL THERE. I would like all 8 removed immediately
Consumer complaint received 2023-06-16
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

XX/XX/2021 contacted XXXX XXXX payment processing Issues payment via bill pay Company never applied payment or followed up with my serval request for assistance Company sold mortgage and all parties failed to notify applicant ( XXXX ) ( g ) ( I ) ( D ) to date XX/XX/2021
Consumer complaint received 2022-03-17
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. (MI)

I have been taken advantage of there has been malpractice serval FCRA laws have been broken by your company. This is and has caused financial injury and hurts my character when applying for jobs. I can not obtain a credit, proper living arrangement for my family. I can not better myself by getting a student loan to finish college because of this.
Consumer complaint received 2022-03-17
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. (TX)

I have request Experian to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. Experian has also failed to comply to multiple federal and state laws under the FCRA. 
Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual. 

15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing medical information 15 U.S.C. 1681b ( 4 ) Limitation on redisclosure of medical information 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports I am trying to make a final attempt for Experian to comply with the many laws they are in violation of by supplying proof of their alleged investigation and validation of debt which is inaccurately being reported on my credit file. 

I am asking for Experian to provide the following : 1. The original contract and or agreement bearing my signature XXXX Who they spoke to from the creditor the date and time in which they spoke with them. 

By law they have 15 days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file. 

I listed the inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. 
XXXX. XXXX Account XXXX : XXXX XXXX. I XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX LL Account Number : XXXX Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately. 

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.
Consumer complaint received 2022-03-17
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: EQUIFAX, INC. (TX)

1 ) Equifax reporting an " old '' outdated personal statement. Probably all XXXX are reporting old statements. Please remove all previously reported personal statements from all XXXX credit bureaus. Thank you. 

2 ) Under Closed Accounts and/or revolving credit closed accounts. I enclosed in attached copies of my credit file. Where XXXX XXXX XXXX XXXX . Which filed something called a reaffirmation as part of my XXXX bankruptcy case. For the purpose of this complaint. The loan was never late paid in full. My understanding under the Federal BK laws, it is unlawful for lenders and financial institutions to disclose and report any account information from my Federal Bk Filing. Since CFPB falls under Federal Rules. This is a formal request to please take action against XXXX XXXX XXXX XXXX for ignoring the Federal Law and disregarding all previous request. 

3 ) Equifax ; XXXX and XXXX : Still reporting XXXX, Oklahoma Address. In addition, work addresses from my former spouse as my personal address. To be clear. 
Any investigation will reveal. I have lived at XXXX XXXX XXXX since XXXX. Therefore, all other addresses reported are unconfirmed and/or my former spouses ' work-related addresses. Therefore, please remove random unconfirmed addresses especially, the one reported for over 2 decades from XXXX, Oklahoma. Thank you.
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (GA)

XXXX by XXXX XXXX rental. The payment XXXX XXXX stated they would pay for my rental car. While my car was in the shop. I sent Apple Pay my. Statement. That was reliable. And phone text. But still reverse the charge. Take off then put it back on my statement. Its from XX/XX/2021. From XXXX I went up there and they said they where going up there to get a check, thats been out of my hands along time ago! He said he need a full detailed description on the the bill click it to see if you can pull up the invoice Ok you dont have to the bill is going to my boss -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-10
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (AZ)

I have been actively trying to rebuild my credit for the past 3 years and now my credit is shot. This is a CitiBank Credit Card via The Home Depot. I was making monthly payments of {$130.00} on a balance of {$10000.00}. On my XXXX/XXXX/2015 XXXX, {$6100.00} interest was suddenly added to my balance for a total of {$16000.00} and a minimum payment of {$700.00}. The added interest charge surge has put this account {$5400.00} over my credit limit and I can not possibly afford the new higher payment. As a result of the high over limit amount and late payment status, my credit score has dropped from XXXX to XXXX.
Consumer complaint received 2022-03-17
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi, I am filing another complaint on Bank of America. This is following a complaint I made back in XX/XX/XXXX. Bank of America has since removed the negative reporting on my credit reports for those months they falsely reported me late in the year XXXX. However, somehow my credit report is now showing a 120 day late for XX/XX/XXXX, which did not show during my first complaint. In my previous complaint, I have attached my payment history for your review. And that will show that I paid off the loan in XX/XX/XXXX... so there is no way that I have a late payment in XX/XX/XXXX. Bank of America has so many errors and is causing a long hold up on a refi loan I'm trying to get since last XXXX. 

My payment history was uploaded to you from the previous complaint so I won't upload it this time. But if you need it again, please let me know. 
Please let me know if you need any information from me and help me get this resolved asap. 

Thank you
Consumer complaint received 2022-03-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (LA)

In XX/XX/XXXX i received notice from my child 's dad that I had a collection notice being sent to his XXXX XXXX XXXX I called the agency to see what the debt was about and it turned out to be my daughter 's. There was a mismatch with her last name change and did not bill her secondary insurance bc the names were different on the primary and secondary insurances. I corrected her name then called the billing office of the provider to give them the updated information. They told me it would be taken cared of. Well, beginning of XXXX in XXXX someone from the billing department calls again and asks for my childs primary and secondary information AGAIN. I give it to them and they say everything is good. Well at the end of XXXX in XXXX dad receives another notice while I am out of the country. When I returned in XXXX I see that on XX/XX/XXXX or XXXX that the collection has hit my credit report. On XX/XX/XXXX I call the billing office who said the account was paid and closed. So I'm under the impression now that the agency jumped the XXXX and it would be removed. Well on XX/XX/XXXX I received another alert that I had a collection on my acct so on XX/XX/XXXX I call the company and explain what took place and the representative was very rude and snotty about what I needed to do when I had ALREADY done that. Ultimately, this is the fault of the hospital 's billing department because they assured me TWICE that the account was taken cared of but the representative wasn't trying to understand that. This is not a debt I owe as the medicaid coverage should have covered the balance in full as the secondary insurance. I haven't received any notice from medicaid that my child has been dropped or that they did not cover any claims.
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I applied for my citizens credit card and they delayed my application I have a fraud alert they refuse to verify my identity and approve my application this is not fair they left me a voicemail to call them back but they dont answer
Consumer complaint received 2022-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-03-17
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. (DE)

I mailed you a letter disputing information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following information [ ( Report XXXX ) ] [ XXXX XXXX ] [ XXXX ]. Per [ ( USPS ) ] records, you received my dispute letter on [ XX/XX/2022 ]. 
Accordingly, as per the FCRA you were required to conduct a reasonable investigation and [ ( delete ) ] the disputed information as I requested before the end of the 30-day period of the date on which you received my dispute letter. You received my dispute letter on [ XX/XX/2022 ]. Therefore, your response was due on or by ( XX/XX/2022 ) [ ( receipt ) ]. Instead of sending me a response letter with the result of your investigation of the disputed information, you mailed me a letter dated claiming [ ACCOUNT IS VERIFIED ]. 
Clearly, you have willfully failed to [ ( delete ) ] the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because [ ACCOUNT IS VERIFIED ]. However, your excuse or assumption is a not valid reason under the FCRA to not reinvestigate my dispute.

Inaccurate addresses I never lived at or have no knowledge of are being reported to my credit report due to this concern I am not able to obtain any credit in my name. Due to my lack of acknowledgment for these accounts, I never associated with the account or addresses as stated above. Please remove all other addresses off my report as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2022-05-05
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)

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the XXXX XXXX. XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX XXXX. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Consumer complaint received 2022-03-17
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: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-03-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

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.

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 inructions 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 2022-03-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

To Whom It May Concern : I recently submitted a request for an investigation of an which you refused. I Report Confirmation XXXX enough information for you to carry out a reasonable investigation of my dispute since you obviously did not investigate this account thoroughly enough the last time I submitted one. 

If you had investigated properly, rather than using your e-Oscar system, you would have known that not only I have never been late on this account, but that I am not sure that the account is even mine though your company claims to have verified this. 
It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As XXXX sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter, Sincerely, XXXX XXXX
Consumer complaint received 2022-03-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I noticed a collection showed up on my credit report by XXXX XXXX XXXX stating original creditor as XXXXXXXX XXXX XXXX I in the amount of {$1300.00} XXXX contacted Transunion and XXXX with a dispute, I have never had any accounts with XXXX XXXX XXXX, and have never heard of them, and have never recieved any phone calls or letters from them or from XXXX XXXX XXXX. Transunion and XXXX did not remove it, they state the granter verified it. That is impossible.