davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have a XXXX XXXX account being advertised on my consumer report. I initiated this transaction using my " credit card '' and my privacy is being violated. I was made to believe that it was mandatory for the furnishing of this charge-off. I have come into information that leads to believe this is false and predatory. Fair Credit Reporting Act does not even define a charge-off. The financial institutions and credit reporting agencies have colluded to infringe on my rights by monopolizing my personal information. I was never given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and nor was given an explanation of how I can exercise that nondisclosure option. Subsequently, I have been charged excessive interest as a result of the lower credit rating following this. 

I am citing that XXXX XXXX is in violation of Title 15 of the United States Commercial Code Chapter 94 subsection 6802 [ B ] [ C ]. I am aware of the civil penalties associated with these violations. 

I have made a report with the Federal Trade Commission on XX/XX/2022 in the same manner and with the same power and authority as the Commission has under the Fair Debt Collection Practices Act [ 15 U.S.C. 1692 et seq. ] engaging them to enforce compliance with such Act.
Consumer complaint received 2022-02-16
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. (NJ)

So not only after I file a complaint with the credit bureaus about my information being incorrect. 
All of my credit scores drop below XXXX. For what reason I dont know. I cant even view reports and or call to talk to an agent. My phone is always send to the answering machine.
Consumer complaint received 2022-08-29
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. (GA)

This is XXXX XXXX XXXX submitting this CFPB complaint today to request the removal of the frqaudulent items reporting on my Credit Report. I was a 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 accounts and information 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 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 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 2022-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-11-15
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)

FRAUDULENT ACCOUNTS HAVE BEEN OPENED IN MY NAME WITHOUT MY PERMISSION OR KNOWLEDGE. MY INFORMATION MAY HAVE BEEN INVOLVED IN A BREACH BECAUSE I HAVE NOT APPLIED FOR A NY CREDIT OR OPENED ANY NEW ACCOUNTS
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

A portion of the loan was paid off by insurance company yet it continues to show a balance of {$17000.00}. I confirmed this because I checked the payment portal with XXXX and it shows a balance of {$2200.00}. Transunion claims it was investigated and confirmed as being {$17000.00}, which is totally untrue.
Consumer complaint received 2019-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (KS)

I found a medical debt on my credit-I reached out the collection company and requested a validation of the debt- The collection company sends me a a two page letter back telling me where the debt was from and that they tired to bill my insurance 8 months after the debt occurred. No documentation that I signed anything and this bill is due to a emergency room visit, but the company doesn't tell me which hospital I have requested this information three times-but I don't get really any information. My concern is that this debt is not mine and is due to fraud-I 'm a XXXX XXXX and between the years of XX/XX/XXXX-XX/XX/XXXX, I had an ex-employee use my info as hers. 
At this point-This company can't follow the simply validation process and is putting a collection on my credit that is doing a lot of damage. Why am I required to pay a bill ( so they can delete it off my credit ) if I don't even know which hospital I apparently went to.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE (IL)

My account was closed based on fraudulent activity I didnt know that I was been scammed threw XXXX the amount was in minimum dollars and not in higher dollar amounts I didnt do that purposely to my account to closed how would I know that I was been scammed by scammer. 
I try to talk to Huntington Beach manager and explain the situation but they denied to listen and refused listen to me solve the issue
Consumer complaint received 2020-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (IA)

Synchrony bank is in violation of my bankruptcy discharge order datedXX/XX/XXXX. There are two accounts on my XXXX  credit report that fail to mention that the accounts were discharged in bankruptcy. I have disputed the accounts twice with XXXX and after the second time I disputed it the notation of it being discharged in chapter XXXX bankruptcy was removed. On my credit this Account is still reporting as an open an active account when it has been close for years and was discharged in my bankruptcy. The other account ( Walmart ) fails to mention that it is closed. I am planning to file a motion with the bankruptcy courts to review the conduct of synchrony banks collection tactics Against me and to report their violation of the post discharge injunction. Section 623 at the fair credit reporting act States the furnishers duty when a consumer is initiating a dispute. There is also a violation of a bankruptcy discharge order. Complaints and civil suits are about to be filed against synchrony with the proper authorities And courts if this isnt resolved quickly. Synchrony bank is actively trying to collect on me for deaths that have been legally discharged by a judge and I am going to let the courts know about this
Consumer complaint received 2019-02-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (IN)

DEAR CFPB, this company CREDIT ACCEPTANCE, HAS CHARGED ME A XXXX LATE FEE EVERYTIME A PAYMENT WAS MADE FOR THE ENTIRE LOAN, THIS IS ILLEGAL AND WRONG, PLEASE HELP ME GET THIS REFUNDED TO ME ASAP, THIS GAS ALREADY BEEN TURNED INTO THE ATTORNEY GENERAL, THEY ARE NOT WILLING TO GIVE THIS MONEY BACK, WILL YOU HELP ME ASAP,30xXXXX-XXXX, PLESAE HELP ME GET THIS AND MY CAR TITLE TODAY?
Consumer complaint received 2024-04-01
Product: Credit reporting 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. (NJ)

Somebody used my identity info and attempted to open a XXXX credit card. I was alerted and contacted XXXX and XXXX XXXX to remedy and get the inquiry reversed.
Consumer complaint received 2022-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams, Rush & Associates, LLC (SC)

I went to a XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, NC the school got audited and had to close downover 400 people lost their commercial license I was one of those people I lost my due to this and Im still being told I have to pay my balance off https : XXXX Heres a link to the article
Consumer complaint received 2019-02-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, two days prior to closing, I was informed that I was over the income limit for BBVA Compass ' Home Ownership Made Easier mortgage, and that the child support that I receive had been factored into my income. I was officially informed that my loan was denied on XX/XX/XXXX. 

At the beginning of the application process, my loan originator completed the loan application on my behalf, entering information based on questions she asked me via telephone. The initial disclosures and Uniform Residential Loan Application that I received electronically for e-signature only referenced my income from employment. That application did not and should not have included child support in the other income section, as I was never asked if I wanted to include it as income. Child support became a factor when my loan originator emailed me on XX/XX/XXXX asking for my Divorce Decree and subsequently, emailed me asking " Do you have the paperwork for the child support income? The divorce decree or court order for the child support? ". I replied providing documentation for both, not knowing that by supplying these requested documents, BBVA Compass would themselves decide to include the child support as income without asking me if I wanted to do so!

To date, I have spent over {$2000.00} related to this transaction. Some of those losses ( especially BBVA Compass ' fees of {$500.00} for an appraisal ) could have been avoided had BBVA Compass either not taken the liberty to include my child support as income without my consent or verifying my income-related documents to assess my eligibility much earlier in this process.
Consumer complaint received 2022-09-02
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. (SC)

I have been disputing these 2 files for a while now and they keep coming back validated, but they have not provided me any proof of what they have to show how they keep validating the account. I filed a FTC report and everything. 
According to 15usc1681b no permission. I am the consumer and I control what is reported on the report. Fraudulently placing on the account is grounds for imprisonment and or {$1000.00} per violation. I will seek remedy for all violations on the account. 
Privacy law is also broken according to the privacy act of 1974 ( 5 USC 552a ) protects personal info by the FEDERAL GOVERNMENT preventing UNAUTHORIZED disclosures of info. Individuals have the right to review such info, request corrections, and be informed of disclosures.
Consumer complaint received 2020-12-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

Been trying to get XXXX XXXX collection account and numerous inquiries that I did not authorize ; Ive spoken with representatives from XXXX, XXXX, XXXX and Equifax the payment before collection has been verified and was advised that they would send a letter to all 3 credit bureaus to remove the collection and I would receive a copy in mail I have not received confirmation of deletion letter yet nor has the 38 inquires been removed from XXXX Equifax Credit reports. I am currently in process of closing on property and these entries are having a negative impact on securing loans and moving forward ; this account was satisfied before it went to collection not sure where these inquires came from deleting will be greatly appreciated. XXXX REMOVE INQUIRES AND COLLECTION PLEASE DO NOT REINSERT ANY STATEMENTS, FRAUD ALERTS, SECURITY BLOCKS, OR FREEZES WOULD LIKE TO KEEP " OPT-IN '' FOR PROMOTIONAL CREDIT OFFERS*.
Consumer complaint received 2022-09-02
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. (SC)

I have been disputing these 2 files for a while now and they keep coming back validated, but they have not provided me any proof of what they have to show how they keep validating the account. I filed a FTC report and everything. 
According to 15usc1681b no permission. I am the consumer and I control what is reported on the report. Fraudulently placing on the account is grounds for imprisonment and or {$1000.00} per violation. I will seek remedy for all violations on the account. 
Privacy law is also broken according to the privacy act of 1974 ( 5 USC 552a ) protects personal info by the FEDERAL GOVERNMENT preventing UNAUTHORIZED disclosures of info. Individuals have the right to review such info, request corrections, and be informed of disclosures.
Consumer complaint received 2022-09-02
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: Convergent Resources, Inc. (TX)

This does not belong to me I have no debt with XXXX, I currently have XXXX and worked for them 8 years and have had my account ever since. Please remove this from my account immediately. Its shows it was opened 3 months ago this is definitely incorrect.
Consumer complaint received 2022-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I dont recognize these inquiries and I might have been affected by a breach or information might have been in the wrong hands
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is XXXX XXXX XXXX submitting this CFPB complaint today to request the removal of the frqaudulent items reporting on my Credit Report. I was a 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 accounts and information 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 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 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 2022-08-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NY)

I had become XXXX XXXX and sick   with XXXX. I XXXX  and couldn't tell what was real and what was fake. I soon lost my job and went XXXX  and lived XXXX XXXX XXXX and I use all my credit cards to survive. I was XXXX  and XXXX  for 2 years until my family found me and got me help. I been on my medicine for 2 years and finally feeling like my self again.. I am attaching documents with evidence that I was sick  and have XXXX along with a handwritten letter from my XXXX. I am requesting all derogatory marks from the year 2015 and up to remove off my credit report because I could not make financial decisions.
Consumer complaint received 2019-02-06
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: CITIBANK, N.A. (GA)

In XX/XX/2018, I used my credit card for a cruise payment and was not given what I paid for ; proof was provided. I received a smaller room and none of the accommodations listed in my agreement were provided. XXXX XXXX apologized and gave me a letter stating their mistake and the mishap. I provided this with Citi Best Buy, my credit card company, and they held out the dispute more than 60 days and stated the merchant never responded to the investigation ; therefore, I was not a protected consumer. Per their credit card protection agreement, they decided to selectively change the policy only for me, as the manager, XXXX, stated, and went on to say they had no way to recoup their money so it's back in my hands. That is absurd and definitely illegal. Also, after speaking with 7 representatives and managers, each gave me a different account of my experience, account of events and changing policies based on the customer. I have been given the run around about a resolution and was told I made people angry there ; therefore, it would not go in my favor.
Consumer complaint received 2020-06-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (CA)

My wife 's employer is receiving verification of employment requests from a mortgage lender that we have no relationship with. We are not seeking a new mortgage, no refinance of an existing mortgage, no financial changes at all. The group, identified as Better Mortgage - better.com, has sent multiple requests, each becoming more insistent. I phoned today ( XX/XX/2020 ) and left a message at the phone number listed but have received no return call. We have copies of the emails that were sent to our employer. 

The emails started around XX/XX/2020. The representative lists their name as : [ XXXX XXXX ] | Income Services Team | Better Mortgage | XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX | Phone XXXX |XXXX | XXXX : XXXX
Consumer complaint received 2022-09-02
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2700.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$13000.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1400.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$360.00}
Consumer complaint received 2022-09-02
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. (MO)

This is XXXX XXXX submitting this CFPB Complaint to follow up the previous complaint I submitted on XX/XX/XXXX. I sent a letter on XX/XX/XXXX to remove some of the Personal Information, Accounts and Inquiries that are completely UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. Under the provisions of the FCRA section 605b, I am requesting that the Credit Bureaus remove the following items completely from my Credit Report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$840.00} XXXX XXXX  XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX