davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I have done substantial amount of work on my financials and my credit, though not yet perfect has improved considerably. 

Last month all collections account dropped. Only one credit card had a high credit usage ( 66 % ), everything else <12 %. My overall usage was 13 %. All payments made on time for at least 1.3 years. According to what I see in Experian, I am doing just great and my score was XXXX for 3 months. 

This month, I decided to drop my debts even more to boost the score. That 66 % usage card dropped to 49 %. The other cars <9 %. My overall utilization 10 %. 

All else remaining the same, I was surprised to see my score stayed at XXXX!!! 

With the same identical information, XXXX  and XXXX increased a couple of points, which surprised me but at least its a movement. However Experian 3 months, not budging. 

It use to be in the past that the slightes such change would reflect greatly in the scoring, nowadays, I think Experian and other CRAs are pushing people to migrate from Fico 8 to Fico 9 by keeping things desperately stagnant. Maybe Fico is the problem and not the CRAs. I just feel as a consumer that I am not getting the credit due and my hard work to improve my credit is pointless. FICO and the CRAs want to be more and more invasive. 

To add insult to injury, todat I received an alert that I had a hard inquiry. The Experian FICO dropped 1 point!!!!. 

It increase 0 points for what it called a substantial drop in utilization from 66 % to 49 %, or for all the other balances decreasing, or for the collection account falling off. But it budged down 1 point for a hard inquiry. 

So what does that mean? 

There is a lack of transparency and it should be looked at. I am ready to shop a lawyer and sue because I do not get this at all. I worked so very hard, paid down so many debts. 

This scoring system has become a farce that is not to the consumer 's benefit.
Consumer complaint received 2022-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible. Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of 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 the receipt. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately.
Consumer complaint received 2022-02-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian 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 60 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 2018-10-19
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. (CA)

I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX  and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act, XXXX Account # XXXX Account Name : XXXX XXXX, Their Address : XXXX XXXX XXXX FL XXXX XXXX, FL XXXX Phone number XXXX and Account # XXXX Account Name : XXXX XXXX XXXX, Their Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone number XXXX have 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
Consumer complaint received 2021-10-24
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. (NJ)

Some company by the name of XXXX XXXX XXXX put a collections from XXXX on my credit report I have never had an communication with the company in writing or on the phone. I have never received any notifications of collections. I also do not owe anything to XXXX. That bill is in dispute with XXXX as it was part of my well visit and I have already reached out directly to XXXX. I have never heard of you or received any bills from XXXX regarding any account going to collections prior to me placing this complaint and dispute. I want this removed from my credit as this is a violation to FCRA you did this by Failing to notify me when you supplied negative credit information to a CRA Failing to notify me of my rights to dispute inaccurate credit information.
Consumer complaint received 2021-10-24
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: USCB, Inc. (AZ)

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Consumer complaint received 2018-12-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX I had {$210.00} left in my account over the weekend. On XX/XX/XXXX I had a ( - {$120.00} ) the bank said because they don't process payments on weekends that's something I should if been told opening an account, so I'm confused because I was told every transaction that was made over the weekend did not come out of my account until yesterday how is that possible when funds were deducted from my account every time I made a purchased so how did it not processed when my funds are low she said I had {$330.00} to start off so how did I get down to {$210.00} if they where not processed til yesterday now I get hit with a {$35.00} overdraft today XX/XX/XXXX this bank has been scamming people for a while I just opened this account XX/XX/XXXX and now I'm going through this.
Consumer complaint received 2022-06-20
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. (NY)

In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2022-03-07
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/2021 I filed a dispute with XXXX because their bureau was still reporting that a Capital One account that I am an authorized user on had been closed. In reality, the account was open. In the dispute I asked XXXX to verify that the account is open with Capital One. 

On XX/XX/XXXX, Capital One received a notification from XXXX that I was disputing this account. Capital One initiated a dispute investigation and responded to XXXX, asking them to delete the account from my credit profile, instead of telling XXXX that the account was open. This is not the outcome I wanted. More than four months have gone by and XXXX will not reinstate the account until Capital One reaches out to verify that the account is open. 

I would like Capital One to contact XXXX to let them know this account was deleted in error and I would like Capital One to verify that I am an authorized user on this account, and to include it on my credit report.
Consumer complaint received 2022-03-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (TN)

Requested mortgage forbearance for my mortgage because my family was affected by XXXX XXXXXXXX, I am unemployed my wife is our sole provider currently, my son need XXXXXXXX XXXX for the XXXX XXXX XXXX XXXX because of XXXX from having XXXX. I was approved for a forbearance. I requested additional time to recover from loss of income but was denied assistance. Requested mortgage assistance, submitted financials and requested documents. Citizens Mortgage, Citizen mortgage has not worked with me to assist me with keeping my home instead I have received a foreclosure notice for my home.
Consumer complaint received 2022-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (OK)

Beginning on XX/XX/22 to XX/XX/22, transactions began hitting my account that I didnt make. I called dispute center and filed a dispute on what had cleared, approx XXXX XXXX 4-5 days later I filed the 2nd dispute along with a police report. This one had roughly {$1600.00}. The first dispute concluded and they refunded XXXX I then began to call companys on the # 2 disput. One of which was XXXX XXXX  XXXX, {$300.00}, XXXX $ then Moneylion completed the number 2 dispute and Paid nothing except for two transactions, XXXX XXXX for XXXX $ total. ( the ones I called on ) .my deposit on the XXXX was {$2100.00}, so they got most of it. Its now the XXXX and I just ran out of money, food, fuel will be next. I dont get paid till the XXXX. Money lions actions could now be a death sentence for me.
Consumer complaint received 2018-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (CA)

XXXX has automatically enrolled my card to " protection '' that charges XXXX dollars a month. I never signed up for this protection. After research o came across many people having this issue. Apparently XXXX is automatically signing you up for a protection. I came across it as I asked my self why my bill has not lowered that's when I noticed the fee. I've payed more for that " protection '' than what I actually owed. XXXX dollars. Since XX/XX/2009 I never actually checked because I trusted to just be paying the minimum. I called the card protection and cancelled, but XXXX   should not be doing that, they should be giving the money back at least a percentage of it.
Consumer complaint received 2018-05-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

My original mortgage for this property was owned by XXXX, when the economy took a downturn I was in the process of modifying my loan with them and after providing all the required paperwork and going thru the modification process I was finally in the final stages to get my loan modified, unfortunately at this time the bank sold my loan to Shell point and the process had to be re started again, during the beginning of this process the builder of the condominium complex took over the units and displaced most of the owners due to the fact that the association was dissolved and they still owned a big percentage of the units at which point I lost all control of my property, I informed Shell point of this situation and they never acknowledged that this condition existed and took me to court to try recovering their so called 'loss '', while we were in court the judge made them aware of the situation and suggested they release me from this loan due to the fact that I had no longer had rights on the property but Shell point refuses to do so causing me to loose money by hiring an attorney, going to court twice already and negatively affecting my credit, i have no rights or benefits on this property, the builder which took control is getting paid monthly rent and they got the property for free while i am stuck with no revenue, bills, all the aggravation, I need this loan report removed from my credit and to be released from this property that was taken from me in a very unprecedented way and thru a procedure that has never been used before according to my attorney, the judge and everybody that I have asked with mortgage loans experience
Consumer complaint received 2018-05-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/2018 Navy Federal applied an adjustment subtracting {$780.00} from my checking account without my approval or communications. This account is used to receive my VA XXXX XXXX XXXX funds that are deposited every month. I called after realizing this deduction at XXXXXXXX XXXX EST and was told that even though it was done internally, they refused to correct the issue.
Consumer complaint received 2022-03-07
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: EQUIFAX, INC. (OH)

Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible. Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of 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 the receipt. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately.
Consumer complaint received 2018-05-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

i was paying XXXX on my loans on a fixed income next thing i know my loan was sent to another deparment and i was paying them now so a year passes and my student loans went into default and collection agency. it screwed up my credit score form XXXX  to XXXX. it took me a why to get it straighten out some what and they didn't consolidate my loan the first time like i wanted it to all to come thru them. so after 4 motynhs and back and forth my credit beacuse of this si still XXXX  up and i am noe paying a higher intrest rate and will half to pay them more money now. i went to XXXX  state and XXXX  college. i have been in XXXX XXXX since first grade and cant do algerbra and cant spell or say big words. bot colleges i went to failed me imditae cause of my situation on the math and language. i got no help no tutors aviable i asked teachers for help to and got none. any ways XXXX XXXX  up my loans so bad. my credit is now ruined
Consumer complaint received 2018-05-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Collection Bureau, Inc. (CA)

Everyday a call from XXXX comes into my work number which is XXXX and its a recorded message saying I owe money with my name in it - XXXX XXXX. Im going to get fired if they dont stop.
Consumer complaint received 2022-06-20
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-03-07
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: EQUIFAX, INC. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.