davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (VA)

There is an item on my personal credit report from a Debt Collector who purchased the debt from XXXX XXXX, which was a debt for a company of which I was a the majority shareholder. I did not personally apply for the card it was a corporate debt. The statements where sent to the company address and for more than 8 years the company made all payments on the account using a corporate bank account. The company XXXX XXXX, In filed Chapter XXXX in the Virginia XXXX XXXX Court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed XXXX/XXXX/XXXX Case Closed by court XXXX/XXXX/XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX bank XXXX XXXX. 
Open Date XXXX XXXX, XXXX Balance {$21000.00} Collection Debt {$21000.00} The Debt was discharged in bankruptcy court. 
I have filed XXXX disputes which Experian. I have asked the company to send me documentation which proves I am responsible. XXXX XXXX. told me the information had previously been mailed two years ago from XXXX XXXX. I asked XXXX XXXX XXXX. via telephone more than 1 year ago for the documents and they never sent them. I asked again today for the documents and they told me as long as I was disputing the claim they would not speak with me. She told me unless I would remove my dispute they would not discuss the matter. I sent the following email XXXX XXXX and the company failed to respond. 

XXXXXXXXXXXX XXXX XXXX at XXXX XXXX To XXXXXXXXXXXX XXXXXXXXXXXX Message body You are Reporting a Debt on my Credit Report which was associated which a XXXX XXXX which I was a XXXX Declared Bankruptcy. I have repeatedly told you via telephone that this debt is not mine personally. I filed a dispute with Experian more than 30 days ago and you have failed to respond.You have as required by law failed to Validate the Debt and as required by law must remove the debt from my credit reports immediately. 

I made you aware this debt was reported in error more than 1 year ago. I will file a formal complaint with the office of the Virginia XXXX if the debt is not removed in 5 business days. 

Please see the attached Filing Information Below to confirm the Company Filed XXXX XXXX. 


XXXX XXXX XXXX XXXX Virginia XXXX XXXX XXXX XXXX/XXXX/XXXX PORTFOLIO RECOVERY XXXX XXXX Original Creditor XXXX XXXX bank XXXX XXXX. 
Open Date XXXX XXXX, XXXX Balance {$21000.00} Collection Debt {$21000.00} XXXX XXXX XXXX I ca n't prove I do n't owe something because they refuse to provide any documentation proving I am responsible. I paid for a subscription to Experian and have disputed this item and asked for Experian to ask XXXX XXXX for the documents and they told me they can not require a company providing them with information to provide proof.
Consumer complaint received 2023-04-05
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)

Equifax has displayed unethical behavior and acted unconscionably arbitrarily posting reaged bankruptcy dates reported on my consumer file equifax stated that the source reported the the bankruptcy is the court which is deceptive I verified this with the court and that advised they are not a furnisher and did not report to equifax court reported not responsible for the misuse of my personal information reported on my credit reports XXXX and XXXX acted expeditiously to correct the wrong. 
Equifax is stalling despite I also sent letter with all necessary verification via USPS and received the green cards of correspondence received by equifax. 
This has dropped my score and cause me harm to only have risk based apr over 28 % and less access to credit. I served this country and this is the insult I received. 
Affected my opportunity for XXXX 's promotion and to purchase autombile.
Consumer complaint received 2021-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MO)

Amerihome, my previous mortgage servicer ( owned by XXXX ) sold my mortgage servicing to XXXX Mortgage Services. XXXX lost a class action lawsuit earlier this year against 30 States. It is completely unethical to make this decision, and reflects extremely poorly on both institutions, the bank ( XXXX XXXX XXXX ), and its investors. 

Additionally, I do not wish to have my mortgage serviced by a company that has lost a lawsuit on such a scale. I have no trust in them.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (CA)

My Bank, XXXX, does not allow third-parties to access bank info past 4 weeks. Experian needs 3 months of bank info to allow the Boost service ( improve credit score ). Yet, Experian still advertised my bank as one of the banks on the list. So I get the service and for security reasons, they can not link my account. Took 3 days of trying to reach customer care. The automated system by phone has no human beings, whatsoever. Its like they took a play out of the XXXX XXXX XXXX playbook to have zero customer service or accountability for their XXXX. I finally get someone through online chat. XXXX was very smug & practically useless, copy & pasting responses. I literally mistook this person as another automated response system. I felt so disregard and brushed off like it was nothing. I don't deserve good credit, apparently.
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (FL)

I feel discriminated against by NFCU because of my age. I have contacted NFCU making several inquiries regarding a credit card and they consistently require I speak with their security department with over 2 hours of hold time. I also believe I am being discriminated against because of my race.
Consumer complaint received 2024-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did not authorize any of the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I also included a completed Identity Theft Victim 's Complaint and Affidavit and Notary
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The XXXX and XXXX Credit Bureaus is reporting inaccurate information on BK OF AMER. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2020-02-24
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: Experian Information Solutions Inc. (AR)

My bank called me to inform me that there was three unknown charges on my account. They wanted to verify if it was mine and that was correct it does not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been compromised. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. This is very insane. I have no clue who could of done this to me. Please remove these suspicious items from my report. 

XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$52.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$3400.00}
Consumer complaint received 2024-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (MO)

I received several letters, harassing phone calls, and emails from this company trying to collect and settling a debt. The company is reporting fraudulent inaccurate information on my credit report. Ive requested detailed validation letter regarding this debt ; including the purchase agreement to show full ownership of the account and other supporting documents. Im trying to validate this account to see if this debt belongs to me. 

The company information SEQUIUM ASSET SOLUTIONS , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TEL : XXXX FAX : XXXX EMAIL : XXXX or XXXX Reference number : XXXX Original creditor XXXX for the total Amount : {$620.00}.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is obligated by the FCRA to report accurate account information, consumer has advised All the inquiries reported are fraud, said company had 4 days according to LAW to remove such items. Consumer filed FTC fraud report, consumer is now requesting Transunion to provide the documentation used to determine inquiry was indeed authorized by the consumer. 

Transunion has 15 days to provide me with the name of the person spoken to, documentations used, signed application with wet ink signature. Consumer is not asking for an e-oscar report. If Transunion does not have documentation to show these were in fact authorized it must be removed. Transunion and its Trustee are liable under the SEC to follow specific rules. Transunion commission file number XXXX. Trustee is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX are all liable. 

Furnishing student loans on consumer reports is a violation of privacy act 1974 and Family Educational Rights and Privacy Act 1974 I have not consent to the publishing of this private information. 

I am requesting that Transunion provide documents that they received from the furnisher in the past 30 days with my approval to publish this information. 

I will be filing IRS form 211 ( XXXX XXXX XXXX ) to audit the consumer 's account. Transunion is securitizing consumers data yet refusing to provide consumers a copy of their consumer file not consumer report. 

FORM TCR TIP, COMPLAINT OR REFERRAL with the SEC with the claim of security fraud. Transunion is furnishing information on my consumer file without appropriate notification and approval as required by law. 

IRS Form 3949-A for the IRS to audit Transunion with respect the my principal account and income Transunion is making from the sales of the principal account consumer file.
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (TX)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$780.00} ; XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX-XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-31
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. (FL)

On ( XXXX  ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (VA)

Hard inquires too old and must be removed from my credit report XXXX inquires too old and must be removed XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (WA)

Mailed via certified mail an identity theft report with a hand written letter, a copy of my drivers license and social security number as well as the fraudulent accounts highlighted on my credit report to Equifax ( received XX/XX/XXXX ) and XXXX ( received XX/XX/XXXX ). Both companies have refused to remove the hard inquiries that occurred during the incident of identity theft as well as the XXXX loan accounts. They have closed out the dispute without removing all information associated with the identity theft. I have called to follow up with Equifax on XX/XX/XXXX and was told I needed to file an additional FTC report to get the hard inquiries removed. I followed up with XXXX on XX/XX/XXXX and was told that they can not remove the hard inquiries and that I have to take it up with the credit companies.
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

The following is incorrect personal information. Please remove the following items : Incorrect Address : XXXX XXXX XXXX ( XXXX, Experian, and XXXX  ) Incorrect Address : XXXX XXXX XXXX (  XXXX  ) Incorrect Address : XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX Incorrect Names : XXXX ( XXXX  ) Incorrect Names : XXXX ( XXXX  ) XXXX XXXX XXXX  - Open XX/XX/XXXX is showing that Experian is Inaccurately reporting late payment on XX/XX/XXXX. 

The following items is the result of error or identity theft. Please remove the following items : XXXX XXXX XXXX is not my account XXXX XXXX is not my account XXXX  The following are unauthorized inquiries : XXXX  XXXX  XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX  XXXX
Consumer complaint received 2024-02-11
Product: Credit reporting 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)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and I've attached a copy of my report to this complaint on the following dates : XXXX XXXX XXXX XXXX XXXX. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (IN)

My Venmo account was frozen and they will not let me access my money they have froze my account that Ive had for years and arent letting me withdraw my money of {$1000.00} I really need to pay bills and stuff. 
I dont mind if I cant use the account anyone I just want to withdraw my money. They are saying they wont give me my money until 180 days no way I can wait that long. This is totally not fair Ive did nothing wrong they wont say why they froze it. 

It happened when I tried to withdraw that amount to my bank. Which Ive done plenty of times no problem and now they suspended my account. They asked me to verify my identity and I did. Sent my drivers license they asked for and they still wont give me my money. 
I need to pay rent and other life expenses please!!!!!!!
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00}