davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
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: EQUIFAX, INC. (MD)

Compliant # XXXX, additional documents The Credit Reporting Agency stated that they verified the information with the court. I have attached a letter from the court dated XX/XX/2020. Stating that the US Bankruptcy Court does not report ANY information to the Credit Bureaus. Nor is they responsible for verifying or validating information from a consumers ' credit files. They are continuing to be negligent in violating the provision of the FCRA and should be had liable. They said MOV verification was through XXXX XXXX I have attached a letter from XXXX XXXX saying they could not verify and have delete it. Please delete this unverified Bankruptcy from my credit delete. The credit bureau should be held liable for report inaccurate and unverified information. 
The other documents are attached to the previous compliantXXXX
Consumer complaint received 2022-06-07
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. (MA)

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mail code XXXX, XXXX LA XXXX This was a lease for a XXXX  XXXX. XXXX was involved in an accident, total collision. My Insurance company, XXXX XXXX, sent XXXX reimbursement check. XXXX stated there was a residual amount of {$1.00}, XXXX. I paid this amount accordingly, 2 years ago!!! Now, XXXX has erroneously reported it as a Charge OFF. I contacted XXXX, they have NO EVIDENCE or account information available. 

How are they allowed to report negatively on an account that has no evidence? 
This is impacting me negatively and financially.
Consumer complaint received 2022-06-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

There is two different accounts with Experian that are NOT my accounts. They are fraudulent. XXXX XXXX, and XXXX XXXX. I have sent them proof of all documents, and the FTC report and I was told it would be deleted. They refuse to delete the accounts and due to this I can not get help or the credit I need because of the fraudulent accounts. I have asked for a security freeze and there is numerous inquiries that continue everyday that are fraudulent. They will not delete.
Consumer complaint received 2022-06-28
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting Act these accounts have violated my rights : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 Section 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

PHH allowed my home to go to foreclosure without paying the documentary stamp taxes and they did not pay the intangible taxes. As such it is illegal in Florida for them to take my house to sale. They were supposed to record the loan modification and the doc stamps and intangible taxes on the increase of the loan modification.
Consumer complaint received 2019-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (CA)

On XX/XX/2019 i received a notice that my intrest rate would be increased from 20.24 % to 24.24 % effective XX/XX/2019. During the time i have have never been late and my credit score is 50 points higher than when i initially applied for the card. Also my credit utilization rate is around 13 %. I was told that all that didn't matter.I Have never had a late payment on any of my cards or loans.
Consumer complaint received 2022-06-28
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. (AL)

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 U.S.C 1681.

I had Four employer That had security Breach that Impact the Privacy of their employee XXXX, XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS XXXX & XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  Account Number XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX Account Number XXXX HAS VIOLATED MY RIGHTS XXXX Account Number XXXX HAS VIOLATED MY RIGHTS XXXX XXXX  Account Number XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX account Number XXXX, HAS VIOLATED MY RIGHTS 15 U.S.C 1681 Section 602 A. States i have the Rights to Privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumers report containing any of the following items of information Any other adverse items 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 2022-06-07
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  - ACCOUNT # XXXX XXXX XXXX XXXX - ACCOUNT # XXXX XXXX  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 an account without my written instructions
Consumer complaint received 2022-06-07
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: Experian Information Solutions Inc. (OH)

Disputed numerous items with the credit reporting agencies that had incorrect information, accounts that don't belong to me, mixed report with someone else debt they continue to verify incorrect information.
Consumer complaint received 2022-06-07
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX 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 2021-08-17
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. (MD)

On XXXX XXXX I mailed all three agencies ( XXXX XXXX, And Equifax ) and inaccuracies that I found on my consumer report. The items on my report are incorrect and are giving me a very hard time securing fair interest rates and business funding. Please notify these agencies to remove these items immediately. They are violating their own procedures and breaking federal law. I have asked these agencies and the creditors with whom the accounts are supposedly with to verify this information and they refuse to do so. This is blatant violation of Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), which states you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Since they have refused to do so and to do so in a timely matter I demand these items be removed. There investigation and response has taken well over 60 days. They have severely decreased my ability to obtain fair rates and accounts. Thank you.
Consumer complaint received 2022-06-28
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: EQUIFAX, INC. (GA)

In my accordance with the fair credit reporting & XXXX  account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15.USC.1681 section 602. A states that I have the rights to privacy.

15.U.S.C 1681 section 602 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-25
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 contacted both Experian and XXXX about this matter, however they have only responded with a templated letter stating they verified. But I requested they provide me details of how the claim to have verified and to whom they spoke with and the contact information. To date I never received this information. The accounts associated are 1. XXXX XXXX XXXX  XXXX Account Number : XXXX 2. XXXX  XXXX Account Number : XXXX 3. XXXX XXXX Account Number : XXXX 4. XXXX XXXX  Account Number : XXXX 5. XXXX  XXXX Account Number : XXXX 6. XXXX  Account Number : XXXX I do not know the details of these items which is why I requested the method of verification from the credit bureaus. 

My attorney guided me to filing this complaint. 

In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Act Convergent the information provided below has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2021-08-17
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. (PA)

I've filed I CFPB and a Fraudulent report stating this account isn't mines. These creditors will not provide me any information stating these account are mines and I advised them that this was opened up fraudulently.
Consumer complaint received 2022-10-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GLOBAL SOLUTION BIZ LLC. (OK)

Global Solutions Biz LLC. Has repeatedly threatened me through email, phone calls, and text messages to me personally, my wife, mother, and distant relatives. 

Over the last 2 years ; They have threatened to sue me for fraud and stated intent to push for me to be fined and serve time in federal prison. They have recently repeatedly threatened to freeze my bank accounts and send a quick track enforcement team out to show up unannounced to my house and place of business to take inventory of and liquidate my personal assets in order to repay a business Debt of a LLC.
Consumer complaint received 2022-06-28
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. (GA)

XXXX University is reporting on my credit for a balance owed. When I signed up for XXXX in was under a pretense that was false. XXXX, lied and made false statements regarding their degree and programs to get you into the school.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

I use a visa credit card I signed up with through XXXX XXXX Rewards and Im only allowed to make payments online through then with Comenity Bank/Bread XXXX XXXX Their website has been down since I wanted to make a payment on Friday XX/XX/22 and theres a notice about a system wide update and was told by them that theyd have things up and running on Monday XX/XX/22 but it just says the maintenance is taking longer. I tried calling their customer service number multiple times to try and make a payment and was told due to unforeseen circumstances, our offices are closed. I cant even get a hold of a representative. Ive gone to their official XXXX page and all they keep saying is that maintenance is taking longer and so many customers have said its been down for longer and that no one is able to make payments, not even pre-scheduled payments. Ive kept trying and havent had any luck to be able to just pay my balance. This is getting ridiculous and I dont want to be charged for late fees! They havent even been telling anyone what will happen since they havent been able to make a payment. This is ridiculous and making me and many customers anxious!
Consumer complaint received 2022-06-01
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. (FL)

I recently came back from an overseas travel and as I verified my credit report I realized that multiple attempts were made to open credit card accounts under my name hard inquiries were pulled I have spoken to the credit card companies in question I have also frozen my trans union credit bureau however no changes have been made.
Consumer complaint received 2022-06-28
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. (FL)

Those Accounts Arent Mine, i Never authorized them to be opened. I am Victim of Id theft, people have used my information to open them and perform fraudulent activities. 
Accounts Affected by the Crime XXXX XXXX {$2500.00}. 
-XXXX XXXX XXXX  {$1100.00}. 
XXXX XXXX XXXX {$1000.00} - XXXX XXXX {$930.00} -XXXX XXXX XXXX {$740.00} XXXX XXXXXXXX XXXX XXXXXXXX {$570.00} XXXXXXXX XXXX XXXX  {$75.00}
Consumer complaint received 2022-06-07
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. (MI)

On XX/XX/XXXXXXXX XXXX XXXX XXXX  balance the company says belongs to me doesnt in the amount of {$1200.00} ] THIS ACCOUNT DOES NOT BELONG TO ME I HAVE DISPUTED THIS IN THE PAST WITH THE ORIGINAL COMPANY ( XXXX  ) XX/XX/XXXX XXXX {$1400.00} balance the company says belongs to me is inaccurate/settled THIS ACCOUNT HAS BEEN SETTLED!! 

XX/XX/XXXX Accnt type : CREDIT CARD XXXX XXXX {$3800.00} balance the company XXXX XXXX claims belongs to me and it doesn't XX/XX/XXXX XXXX XXXX  HARD INQUIRY PULL i never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX XXXX  HARD INQUIRY PULL I never inquired or applied for any credit with this company INACCURATE information/does not belong to me XXXX XXXX XXXX i never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX  XXXX XXXX I never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX THIS ACCOUNT HAS BEEN SETTLED!!
Consumer complaint received 2022-10-25
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. (PA)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-10-25
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: Maximus Federal Services, Inc. (NJ)

AidVantage is my loan servicer and I have 3 active accounts and multiple closed and tranferred accounts with XXXX balances on my credit reports. I requested to have them removed and AidVantage and the credit bureaus will not removed they are considered verified. I requested the closed and transferred account be removed only not the 3 current accounts.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc (IN)

On XX/XX/2022, I noticed that Harley Davidson opened a closed account in Charge-off status. I made a phone call on XX/XX/2022, the person stated that they opened the account with it in dispute. They are also showing that I have a monthly payment. I did attempt to make a settlement payment of {$800.00}. The person stated that Harley Davidson would not take the payment.
Consumer complaint received 2022-06-07
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: Experian Information Solutions Inc. (MI)

On XX/XX/XXXX XXXX XXXX XXXX balance the company says belongs to me doesnt in the amount of {$1200.00} ] THIS ACCOUNT DOES NOT BELONG TO ME I HAVE DISPUTED THIS IN THE PAST WITH THE ORIGINAL COMPANY ( XXXX  ) XX/XX/XXXX XXXX {$1400.00} balance the company says belongs to me is inaccurate/settled THIS ACCOUNT HAS BEEN SETTLED!! 

XX/XX/XXXX Accnt type : CREDIT CARD XXXX XXXX {$3800.00} balance the company XXXX XXXX claims belongs to me and it doesn't XX/XX/XXXX XXXX XXXX  HARD INQUIRY PULL i never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX XXXX HARD INQUIRY PULL I never inquired or applied for any credit with this company INACCURATE information/does not belong to me XXXX XXXX XXXX i never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX XXXX XXXX I never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX THIS ACCOUNT HAS BEEN SETTLED!!
Consumer complaint received 2022-06-07
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: Experian Information Solutions Inc. (MO)

I have hard inquiries on my consumer report that I don't recognize : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX IN, XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA, XXXX