davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
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. (OH)

In accordance with the fair credit reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2018-07-01
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. (CA)

I have several reccuring inquiries for XXXX on my TransUnion report that I have not done and do not recognize. 

3 inquiries from XXXX on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 1 inquiry from XXXX on : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2016-03-28
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

XXXX XXXX a debt collection agency has been reporting inaccurate information to the XXXX major credit bureaus. Years ago I received phone calls harassing me to pay off a collection debt. I simply explained that I 'm not able to pay, due to rough times. I asked them to please stop calling me. They never stopped calling so i changed my number. During the harassing phone calls they threatened me that they will report inaccurate info to prolong the 7 year fall off, until paid. It has been 8 years already and i recently paid the collection. Unfortunately, due to the inaccurate information they reported of being a collection account opened at a false date, is prolonging deletion. The original credit account was closed out and handed over in XXXX. 
XXXX XXXX is reporting, opened in XXXX. Simply to extend the 7 year mark. 
I contact XXXX, which is the original creditor. 
Being a very old charge off account, they do n't have record. 
XXXX XXXX is basically reporting whatever they find damaging towards consumers. XXXX XXXX is n't reporting actual dates from time of original close out event. 
Not only do they call and harass me back in XXXX. They literally made life difficult on getting approval of any loan. Its been 8 years and I still have them reporting inaccuracies to the credit bureaus. Despite paying them off, they still are a shady collection agency.
Consumer complaint received 2016-02-17
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (FL)

I received my credit report from XXXX and there is a record of inquiry from American Express that XXXX shared " as a result of my action. '' I never applied, have had, or authorized American Express to access my account. This obviously affects one 's credit score. They either have a forged document or they purposely attempted this action on my credit.
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST (CA)

I tried to pay the fees the bank charged me and I did not have access online and they gave me the run around at the branch. I called and visited the branch and I also asked the banking center manager to give me a call and he never did. my account got sent to collections, I paid the balance ad n I was sent to XXXX and reported as account abuse. I tried to explained what happened and they did not want to listen I was treated like a criminal.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX should not be reporting to XXXX  ; XXXX  and Transunion that I am ( 90-120 ) days late on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was granted payment arrangements on this account via the CARES Act. XXXX  XXXX XXXX agreed to the terms of the payment arrangements and assured me that this account would not be in jeopardy under our agreement. I was also told that no late payments would report. XXXX  XXXX XXXX did not honor our agreement and consequently they reported this account to the bureaus as being late. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and these lates need to be removed. I have contacted XXXX  XXXX XXXX as well as the bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-12-02
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. (NY)

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) DATE:XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX of XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Resident Verify Date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 2022-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi every week it seems to be a problem with my score going up and down. I have been paying off vehicles and credit cards and my credit score continues to decrease, and Im removing debts. I call they cant explain why this is for Transunion and XXXX. Yesterday I called XXXX because I received a notification from XXXX XXXX a 3rd party that my credit card was closed for Transunion and XXXX. I called to find out what card because I hadnt closed any credit cards. My score was reduced XXXX point for that on both bureaus. I was told in the notification it was for a credit card I never received and never had with XXXX XXXX XXXX I advised I had an account with XXXX XXXX  but didnt own a credit card with them. I called XXXX XXXX  to confirm as well. They had no cc for me. On my report it shows this same credit card was closed XXXX of XXXX. So not only did I not have a credit card with XXXX XXXX XXXX the account has been closed almost 8 years. So how can you close a closed account, you cant close an account twice. So neither of the bureaus are trying to give my points back that were taken, I put in a dispute with both bureaus already, as I was discussing it with XXXX the agent hung up on me, because she wanted to do all the talking instead of listening to my complaint. In addition to this someone from Transunion put in a request that I didnt ask for to remove my mortgage from my Transunion credit report, and my mortgage company did and that reduced my credit score XXXX points from a request I didnt ask. I requested my balance be updated, but a Transunion agent requested it to be removed, I am now going back and forth with my mortgage company to add back to my Transunion report. But these Bureaus are not customer friendly and a lot of them dont understand English well. I would like to get my credit score points back and these issues resolved. Thanks in advance
Consumer complaint received 2024-03-09
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. (FL)

I recently submitted to all three credit bureaus to have these recent inquiries removed from my credit report due to not recognizing them or authorizing them. I have not received a response in regards to these inquiries, nor have I seen them removed.
Consumer complaint received 2021-06-13
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. (CA)

I have disputed the account because its in litigation and inaccurate. I have disputed this error with the three major credit bureaus ( Experian, XXXX, and XXXX  ) for over a year now. XXXX  and XXXX  both were in agreement that indeed the reported account was invalid and unverifiable and therefore has removed item from my credit report. However Experian continues to report and verify this debt is being valid and correct. I have now received restitution from the company following XXXX XXXX  lawsuit and Experian still fails to report correctly.
Consumer complaint received 2021-03-10
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: AMERICAN EXPRESS COMPANY (IN)

On XX/XX/2021 someone applied for 3 different credit cards. XXXX XXXX, American Express and a 3rd that I can not remember. This was not me and I need them removed from my credit report.
Consumer complaint received 2021-10-28
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I applied for an auto loan with XXXX dealership on XX/XX/17. I approved of the inquiry to check my credit for an auto loan with XXXX XXXX. I never approved of any add'l credit check thru XXXX dealership . For the same loan they ran 2 hard inquiries on me on the same day. Only 1 inquiry should be recorded not XXXX. 

1. XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Consumer complaint received 2022-02-05
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: Park Hill Holdings (GA)

TO WHOM IT MAY CONCERN : Under 15USC1681 ( b ) - permissible purpose ( a ) IN GENERAL Subject to subsection ( C ) any reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates XXXX XXXX never gave CoreLogic/SafeRent any written consent to report anything on my consumer report, no consent is identity theft. This is a violation of the Fair Credit Reporting Acts right to privacy and permissible purpose. 

Please remove, block, and delete the following address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX DE XXXX, WI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2018-07-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

In XXXX of this year I tried to close my account at XXXXXXXX XXXX XXXX XXXX XXXX due to fraud. 
I closed all direct debits to this account, but despite this, Citizens Bank has refused to close the account. 
The bank says I currently owe some {$150.00} on the account. 

I would like the account closed and a reversal of these fees.
Consumer complaint received 2018-07-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SRA Associates, Inc. (CA)

On XX/XX/2018, I returned a leased XXXX XXXX XXXX to XXXX XXXX XXXX in accordance with my lease. The lease was for 2 years and XXXX miles and the car was returned with XXXX miles, within the lease agreement. I subsequently received a bill from XXXX XXXX XXXX for {$3200.00} which included {$2600.00} for excess mileage, {$350.00} for a disposition fee, {$230.00} for sales tax, and a reduction of XXXX for an overpayment. I contacted XXXX XXXX XXXX about the erroneous billing, and after researching the file they agreed the billing was in error, removed the excess mileage charge and waived the disposition fee, which eliminated the sale tax and agreed to refund the {$19.00} overpayment, which they did. 
Subsequently I received a call from a debt collector, XXXX XXXX. After researching the file again, XXXX agreed there was no amount due. 

I then received another from XXXX XXXX agent claiming the amount was due. I explained the error to the agent but she would not listen. I sent a letter to XXXX and to XXXX XXXX requesting letters clarifying that no amount was due. Neither responded to my letters. 

Now I receive a letter from another collection agency XXXX XXXX, XXXX requesting payment for the same erroneous claim.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 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 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 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-02-25
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. (MS)

I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2022-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

Citi Bank Credit Card Charged {$95.00} Membership Fee I've been pay off for my card LAST YEAR and save the card for emergency use in case for the bad situation for this year ( it's meant the card been not using for the whole year ), and I do have couple card without charge membership fee.
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Recently I looked at a copy of my credit report and noticed you are reporting this account with a PAST DUE BALANCE, this is inaccurate reporting and should be removed immediately. 

Here are the items I am asking you to verify as accurate : 1. XXXX | XXXX  After your investigation is complete, please send me the results via mail.
Consumer complaint received 2022-02-25
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: DISCOVER BANK (NY)

In my past credit card statement I found some transactions I did not recognize so I reported those charges as fraudulent to Discover in XX/XX/2021. The disputed amount totaled to {$1000.00}. Discover took 3 months doing nothing and concluded that those charges on my statement are valid. I have not received any goods or services delivered to my home for those amounts charges. No reasons or explanation from Discover why those charges were valid. It is absolutely unacceptable to be responsible for those charges with no goods or services received. Discover advertises " zero liability fraud protection '' but it is all lie and they will ignore their customers. Do yourself a favor and take your business elsewhere.
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (DC)

Due to the impact of XXXX on my business Shellpoint Mortgage Servicing agreed to extend a forbearance on my loan payments until XX/XX/2021. 
At the end of XX/XX/2021 my application for loan modification was under review with Shellpoint Mortgage Servicing. 
Shellpoint Mortgage Servicing reported XXXX days delinquent and XXXX days delinquent to my credit report in XXXX and then XXXX of XXXX 
At this time I was not XXXX or XXXX days late as I was protected by my forbearance period and my application for loan modification was under review. I was in contact on a daily basis with Shellpoint Mortgage Servicing and not once was informed that delinquencies existed on my account. 
I reinstated my loan entirely by paying the entire balance accrued during the forbearance period to Shellpoint Mortgage Servicing. 
Since XXXX of XXXX I have been disputing the delinquencies on my credit report with Shellpoint Mortgage Servicing and the credit bureaus to no avail. 
It has been almost XXXX months that I have been trying to remove this negative item from my credit. My account is in good standing and my payments are made in full, and on time.