davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I'm looking to have XXXX XXXX CREDIT CARD remove any disputed information from my credit report. I am no longer disputing this account ( it still shows the account is in dispute ). Can this company please remove this language from my credit reports? I've asked them time and time to remove them, but to no avail.
Consumer complaint received 2022-09-25
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. (GA)

Reinvestigation of every Inquiry listed below because I did not authorize that my credit be run like it was. This makes no sense to me at all! I want to know why these companies ran my credit report this many times, the way they did. This is definitely a violation of my rights in accordance with the Fair Credit Reporting Act. These items could not have been reviewed or investigated correctly, look at how many times my credit was repeatedly run back to back! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX This is inaccurate reporting, which is a violation of my federally protected rights. I am really upset about this obvious oversite, and it seems as though someone is deliberately trying to ruin my credit. 15 USC 1681 section 602 A. States that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : States that the consumer reporting agency can not furnish an account without my written instructions. I never provided any kind of written instruction for my credit report to be run like this. Someone should have noticed these mistakes other than myself! I am really upset about this type of inaccurate and negligent reporting. 15 USC 1681c-2 ( A ) ( 5 ) States that no consumer reporting agency may make any consumer report containing any of these items of information. My authorizing any company to run my credit report like this is False. 15 USC 1681s2 ( 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. This is this is apathy to me. It's also plain to see that no consumer would give consent to run their credit back to back like this, knowingly ruining their credit, especially me. Someone should be held responsible for this and deletions done immediately.
Consumer complaint received 2023-03-15
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: ERC (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-06-26
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. (MO)

SOME FRAUDULENT ACCOUNTS WERE ON MY CREDIT REPORT BUT INQUIRES NEVER GOT REMOVED. XXXX BANK XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, US SM BUS ADMIN ODA
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Verisk Analytics Inc (MI)

THIS COMPANY IS STILL REPORTING A FRAUDULENT BANKRUPTCY AFTER INFORMING THEM SEVERAL TIMES THAT IT IS FRAUDULENT. THEY WONT EVEN INVESTIGATE THE MATTER. XXXX REPORTS THIS FRAUDULENT BANKRUPTCY CASE NUMBER XXXX BECAUSE ITS REPORTING ON A FILE FROM THIS COMPANY. I HAVE INFORMED THEM SEVERAL TIMES THAT THE BANKRUPTCY IS FRAUDULENT AND THEY DON'T CARE TO EVEN INVESTIGATE THE ISSUE. I FILED A IDENTITY THEFT REPORT TO REPORT THE CRIME AND INCLUDED THAT REPORT WITH MY DISPUTE TO THE COMPANY. THEY INFORMED ME THAT THEY ARE NOT A CREDIT REPORTING AGENCY AND THEY ARE NOT SUBJECT TO THE FAIR CREDIT REPORTING ACT. THIS COMPANY HAS BEEN SUED BY HUNDRED OF PEOPLE REGARDING THE SAME ISSUE. I AM WORKING WITH A LAW FIRM TO START A CLASS ACTION LAWSUIT AGAINST THIS COMPANY. SO FAR WE HAVE A PETITION WITH 998 PEOPLE. THE UNITED STATES COURTS HAVE DEEMED THAT THIS COMPANY IS IN FACT SUBJECT TO THE FCRA AND THEY CHOOSE TO IGNORE IT. THIS IS NOT GOING TO BE ACCEPTABLE. I HAVE LOST OUT ON HUNDREDS OF THOUSANDS OF DOLLARS DUE TO THIS FRAUDULENT BANKRUPTCY REPORTING AND IT ALL STEMS FROM THIS COMPANY.
Consumer complaint received 2018-05-09
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: CITIBANK, N.A. (MD)

My identity was fraudulently used to change my address on my Sears master card. I have a fraud alert on my credit report and a statement to call me BEFORE ISSUING CREDIT. Sears changed my address on my credit card, mailed a new credit card to a Florida address, and THEN called to ask if I had changed it. By the time they called the thief/thieves had charged over seven thousand dollars on my card. Sears is not holding me responsible for that and said they would send me a new card with a new number. I got the new card yesterday and was unable to activate it, because the thief called Sears, reported the card lost, and UNBELIEVABLY Sears sent them a new card to a different Florida address WITHOUT CALLING ME TO VERIFY whether I had made the change. I found this out when I talked to customer service to activate the card they sent me. Sears has reported the first Florida address and the {$7400.00} plus to the credit bureau, even though they know it is fraudulent. I do not live in Florida. I closed my account with Sears yesterday.
Consumer complaint received 2022-07-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian is violating my rights! 

I have disputed this account with Experian multiple times and will have to start legal proceedings against them. This account no longer shows on XXXX and is also supposed to be removed from my Experian report immediately! 

Account : XXXX XXXX XXXX Last Verified Date -- Does NOT match XXXX and XXXX removed this account! 
Date of last activity -- Does NOT match XXXX and XXXX deleted this account! 
Date Opened -- Does NOT match XXXX and XXXX deleted this account! 
Account rating -- Does NOT match XXXX and XXXX deleted this account! 

I have disputed this account with Experian via online, fax, certified mail multiple times! 

I demand this account be removed immediately!
Consumer complaint received 2020-03-20
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: DISCOVER BANK (CA)

I am writing to complain about Discover Card and that company 's persistent attempt to report derogatory information to XXXX  and XXXX. The account in question ends in XXXX. This account was opened in XX/XX/2014. The credit limit on the account was {$4000.00}. Immediately upon receipt of the Discover Card, the identity thieves ran {$3900.00} debt. On XX/XX/2014 an {$80.00} payment was made. There was never any other payment on the account. There were 3 other minor charges made on the Discover Card. There were no other charges or payments made thereafter. 

Discover Cards own records indicate that the account was opened in XX/XX/2014 and closed XX/XX/2014. The entire lifespan of the account was less than 60 days. It is patently obvious that the identity thieves used the account for a very brief time before it was discarded. 

This is indicative of an identity thief using the card for in a rapid fashion before discarding same lest they be caught. The identity thieves appear to have utilized this for their own personal gain. The end result was that my information was compromised thereby resulting in these derogatory remarks in the XXXX  and XXXX  report. 

Further, this address associated with this account is XXXX XXXX XXXX XXXX California XXXX. This address does not belong to me. I have never had any relationship with the XXXX XXXX address. I am attaching my driver 's license demonstrating that my address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX.
Consumer complaint received 2022-09-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (GA)

I.Q. Data International , INC XXXX # XXXX Trying to collect an alleged debt, but are not licensed to collect any sorts of debts in the state of Georgia upon checking the NMLS Consumer Access, I.Q. Data International is only licensed to collect debts in the following states, Arizona, Connecticut, Idaho, Indiana-SOS, Maryland, Massachusetts, Nebraska, Nevada, New Mexico XXXX North Dakota XXXX Oregon, Rhode Island XXXX Wyoming. 
also I asked for a validation of debt that I owe to I.Q. data also requested the contract and signature that I provided to I.Q. Data ( which I never have had any business with this company ), also they are violating many consumer right code, they are violating my consumer right to privacy pursuant to 15 USC 1681 b this company has NO permission to report anything using my personal info pursuant to 15USC 1681 4.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (VA)

On XX/XX/2020 I applied for a forbearance. On XX/XX/2020 the account was 30 days past due. On XX/XX/2020 First Mark Services reported my account as 30 days past due with a delinquent amount due. On XX/XX/2020 the lender XXXX finally approved the forbearance.. First Mark refuses to fix my report even though the forbearance was  approved. Its not my fault it took the lender so long to process the forbearance.
Consumer complaint received 2018-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: STATE FARM BANK, FSB (FL)

I have two products with State Farm : 1 ) Checking account 2 ) Auto Insurance To access either it was one portal statefarm.com as in common with many financial companies to login to to view or handle transaction in my checking Or view insurance policy information or update the payment 'from ' account on the monthly payment plan for auto insurance every XXXX of the month.

I did go into the payment plan for auto insurance from time to time to update the payment account to be debited past few months from XX/XX/2018 to XX/XX/2018. Twice the payment bounced ; however I did pay immediately a few days later via the site with the pay now option with another credit card or account. 

Suddenly one day when attempting to login to access my checking account information/statements ( which are setup to be notified of electronically as well ) I had an account suspended notice and could not login. 

Called State Farm customer service immediately and got transferred to tech support, they were thinking it was a technical problem, but they could not resolve it, after two weeks, finally a technician stated, it's not the account getting locked out, it's the State Farm insurance end product and payments not going through a few times that has made the website inaccessible is what he said it stated in the notes. That's all the tech knew. 

Called State Farm customer service again. And relayed that information I was told. Finally the customer service rep stated, yes, that until I go by six months of not bounced payments for the State Farm insurance product then I will regain online access back to the statefarm.com site to be able to access checking account. No clear explanation when I queried as to what rules or in what policy does it state that one product has to do with another? Or could they just lock me out of the insurance product but allow me access to only the checking account for now? The response was no, and that I would need to wait. I requested I have paper statements sent, and the rep stated it could not be done because my settings/preferences on the site are setup as electronic notification when statements are available. 

This has me having to call in every few days to monitor account for all transactions in and out or using the atm for latest account balance. I feel this seems to be a right I have to be able to access my account when/if needed irregardless of the other product. 

Additionally I attempted the supposed automated phone feature that utilizes voice print and fail to connect properly any time. Thus, I end up on hold anywhere from 15-25 minutes on average to get a rep to ask what my current balance and recent transactions are.
Consumer complaint received 2021-06-03
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. (IL)

I have been a consumer of XXXX XXXX for over 3 year. I have never been delinquent, and always in good standard. XXXX XXXX I became very XXXX. I went to my doctor and was diagnosed with XXXX and Hospitalized through XXXX. During my Hospitalization I was fighting was my XXXX and unable to handle my affairs. Once I recovered I contacted XXXX and paid the account of XXXX XX/XX/2021 bringing it to XXXX bal, and they sent Me a paid balance in full letter, but reported Me to the Credit Bureau as delinquent. I wrote them a write letter and email them twice in their online message center regarding my battle with XXXX and being hospitalized. I requested from them due to such unfortunate situation being out of my control would they make a good will gesture on my behalf and bring my account current. They denied Me. This is affecting my livelihood, because I am trying to gain housing for myself and my XXXX XXXX XXXX son and this is the only account on my Bureau reflecting delinquent. They have shown Me No Compassion under the circumstances and I have all documents to prove my case. PLEASE HELP ME to ha e this delinquent reporting pulled from My Credit Bureau. Thank You!
Consumer complaint received 2018-05-09
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: JPMORGAN CHASE & CO. (PA)

There were three charges on this Chase MasterCard credit card that were disputed around XX/XX/XXXX or XX/XX/XXXX. Chase acknowledged the dispute. However, they have done nothing to resolve the dispute or credit the charges. In fact, interest has been accumulating on these charges. I've reached out to Chase literally dozens of times in the past 2 years about these disputed items, and I always get a generic response or a response that the dispute is received and they are working on it. Chase obviously is doing nothing to resolve this matter. 

The charges are as follows : {$1400.00} on XX/XX/XXXX {$260.00} on XX/XX/XXXX {$870.00} on XX/XX/XXXX The total amount of the above charges is {$2600.00}. + INTEREST. A lot of interest has accumulated on these charges. 

Documentation is available upon request.
Consumer complaint received 2022-09-25
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. (GA)

I want a Reinvestigation line by line done on these accounts becasue it was not done accurately. These accounts can not have been properly investigated because these accounts can not be both opened and closed. That's why I'm asking for a reinvestigation In Accordance With the Fair Credit Reporting Act : XXXX, Account # XXXX, XXXX XXXX, Account # XXXX, XXXX XXXX XXXX, Account # XXXX, XXXX XXXX, Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX, Account # XXXX, XXXX, Account XXXX XXXX, XXXX XXXX, Account XXXX XXXX, XXXX XXXX XXXX, Account XXXX XXXXXXXX XXXX, Account # XXXX, XXXX  Account # XXXX my federally protected rights are violated and these accounts need to be deleted. 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, which i did not give them. 15 USC 1681 Congressional findings and statement of purpose. 1681i, Procedure in case of disputed accuracy. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ; ( 5 ) Treatment of Inaccurate OR Unverifiable Information ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item or information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S.C. 1681i, Procedure in case of disputed accuracy. ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( d ), the person that provided the information in dispute to a consumer reporting agency shall ( iv ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency and correction to that information that is necessary to make the information provided by the person accurate. These accounts are not accurate and I need them deleted.
Consumer complaint received 2021-06-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (CT)

On XX/XX/XXXX, XXXX XXXX, XXXX # XXXX, Sr. Loan Officer, of Broker Solutions , Inc. d/b/a New American Funding ( NAF ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX contacted me. We discussed my desire for a refinance to replace a higher rate first and HELOC mortgages. He proceeded to send me an email listing items to send to him such as XXXX tax return, mortgage statements, bank statements, insurance binder, SS-5, etc. I sent these items to Mr. XXXX using my military grade encryption service, '' XXXX  ''. Mr. XXXX contacted me stating he couldn't open file. I had to explain how encryption and recipient verification worked since he forwarded the email to his underwriters. He asked that I send them again which I did. I received notice he downloaded the docs. XX/XX/XXXX Mr. XXXX has follow up questions and send a link to load the documents requested via NAF 's website. This seemed odd 2 days after sending using my data encryption, he extends access to his company 's website. XX/XX/XXXX Mr. XXXX urgently contacts me about signing on to the website. On XX/XX/XXXX, Mr. XXXX calls and says he needs certain manual signatures on paper application mailed. He said that signing these forms would enable signing electronically, and if they were not sent immediately the entire loan application process would have to be restarted. I said that these would have to be faxed and he would call me after a meeting. Mr. XXXX never called and on XX/XX/XXXX, I receive my application with all of my personal financial data via regular unencrypted email. 
This violates Reg P of the Gramm Leach Bliley Act. It also violates handling customer financial data with due care. Mr. XXXX exposed all of my financial data including SS #, credit card # s, bank accounts. All of the information for identify theft was made available in an unencrypted email. 
I called the company and spoke with the Office of the President. The rep was XXXX XXXX who immediately authorized the purchase and reimbursement to me for a service XXXX On XX/XX/XXXX I purchased the XXXX, confirmed my credit freezes, and sent the receipt for {$230.00} to Ms. XXXX. I haven't heard back as yet. In the meantime, I have had an attempted use of one of my credit cards, and have changed the account numbers. This has been a very upsetting and disruptive event. Resulting from NAF 's and Mr. XXXX 's needing access to my credit files twice, allowed an unscrupulous loan co to receive my credit files. My fico score is now lower by 25 points and this severely impacts my being able to receive a mortgage at favorable terms from another lender. All of this rests with Mr. XXXX 's failure to exercise proper judgement, adhere to his firm 's data submission policies, improper conduct under NMLS standards, and numerous federal laws like GLBA, SAFE, HiTech requiring that consumer financial data must be protected at all times and encrypted when sent via the internet.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion via XXXX XXXXXXXX XXXX XXXX has my Credit Score XXXX Points less than whomever XXXX XXXX XXXXXXXX uses. The reason, according to their " Fix '' Suggestions is that I do not have ANY Mortgage History. I had Mortgages on various properties from XXXX until I paid off my last Mortgage in XXXX. I have lived " Debt Free '' since then. Like many Seniors that I know, ( I am XXXX ) I charge many regular expenses on a Credit Card that offers Cash Back, Then, pay it off on the day before the due date every month. I charge something on my " oldest '' Credit Cards about twice a year to keep them active. Every month ; ALL OUTSTANDING BALANCES ARE PAID. 
While my TransUnion Credit Rating is Excellent ; I still believe that they should take age into consideration, as many Seniors I know operate this way. If we own our homes and pay all our debts every month ; do we deserve to be punished for it?