davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-27
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: Experian Information Solutions Inc. (CO)

I disputed 2 bankruptcies on my account ( both are the same but are counted twice ) I disputed to have them removed from my account. The agent I spoke to said that they can be removed but I would need to get ahold of the bankruptcy court that did my bankruptcy and obtain a letter of permission to have them removed from my credit report and they would gladly have them removed. I called my bankruptcy court and tried to obtain the letter. I was advised that they had lied to me and that the courts do not provide any information like this as the credit bureaus and courts are separate entities. The court clerk advised me that it is at the credit bureau discretion whether to keep or remove records. I was lied and gave the run around. Experian can easily remove the records at their discretion but do not.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

From XX/XX/XXXX to XX/XX/XXXX, I sent several letters, each with a full attachment of my personal data and credit reports. However, the requests I made were purposefully ignored and denied, which I thought was unprofessional on the part of the Bureaus. This will be my final effort to ask for all paperwork to be given to me and issued. If my request is not complied with, the following unauthorized inquiries should be immediately removed : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (NY)

XXXX 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 Creditor Name : XXXX Account number : XXXX Creditor Name : XXXX  XXXX Account # : XXXX Creditor Name : XXXX XXXX XXXX  XXXX Account # XXXX
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX XXXX Account # XXXX 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 2019-10-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditor's Collection Service, Inc. (VA)

XX/XX/2017 XXXX XXXX XXXX XXXX and XXXX XXXX Dollars. I did not receive a bill regarding this payment. I was approved for financial assistance and I thought that was it. If I would have known about this bill I would have paid it being that this is the only derogatory mark on my credit history. If I pay in full could you PLEASE remove this derogatory mark. I honestly didnt know about this.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

RECENTLY, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681 ( 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 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 of 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. 
Please remove the following items from my credit report, immediately ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America withdraw {$3000.00} money from my XXXX debit card. 
On XX/XX/2020 my debit card from XXXX, issued by Bank of America was declined. When I checked my account, I noticed that there were 3 ATM withdrawals on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020 for {$1000.00} each, and then bank suspended the debit card. I called the bank with the phone number on the back of the card at XXXXand told the customer service about it, he said I have to make a complain, and since it is Sunday you have to make a call on weekdays at this number XXXX the claim department. I called Monday morning and after 1 hour and 37 minutes on hold finally someone answered and after so many questions of me and my account, he transferred me and again 45 minutes on hold someone answered and the same questions again and he trained to someone else and again questions and finally after 3 hours and 34 minutes I was able to fill a claim and they give me a claim number and told me they going to send me a new debit card in 7 to 10 days. 
On XX/XX/2020 I received a letter from Bank of America that said my claim has been closed. I called again and after almost 2 hours on hold someone answered and she said that I have to write a letter to request to reopen my clam, and request to get the ATM camera footage. I send and faxed the request on XX/XX/2020. 
I waited till XX/XX/2020, and called to find out about the status of the claim, after 1 hour and 47 minutes on hold finally someone answered and she told me that because I did not escalation my claim it is not active yet, so she transferred me again and after 45 minutes they did it. 
I called again after 3 weeks on XX/XX/XXXX, and again I was on hold for almost two hours they told me I have to wait, it takes 3 months for answer. I asked about hold time, she said our claim office is in Florida and since you are in California you have to call XXXX XXXX, and we have lots of claim and not much personal to answer soon. I called again on XX/XX/XXXX, at XXXX XXXX, and after 25 minutes on hold they told me I have to be patient and wait, I told her about my situation, and that this XXXX money is my only source of income, and its XXXX time, and I have bills to pay, she said she making a hardship note on my claim and I have to wait. 
Today is first of XXXX and I am still out of my money that Bank of America took from my account. I do not trust Bank of America. 
Please help me
Consumer complaint received 2022-06-23
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: ProCollect, Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account 's # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ( Original Creditor ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX # XXXX # XXXX
Consumer complaint received 2021-01-06
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. (AL)

On XX/XX/2020 I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 90 days and I have not received a response. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my Equifax report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to COVID. I am asking that these items be removed from my credit report.
Consumer complaint received 2021-01-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (DC)

Navy federal credit union will not allow me to access my online bank accounts. They require five questions for online security, but the questions are all overly specific and do not apply. They will not allow me to write in my own questions, nor opt out of the security question system.
Consumer complaint received 2022-08-15
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. (CA)

This is XXXX XXXX and I am submitting this complaint to urge the Credit Bureaus to correct and updtae the disputed accounts from my Credit Report. I am submitting this compkaint addressed to the Credit Bureaus in response to their current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix : DEPTEDXXXX XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2020-12-01
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: Experian Information Solutions Inc. (NV)

I submitted a dispute to all 3 credit bureaus ( Experian, XX/XX/XXXX and XX/XX/XXXX XXXX on XXXX via USPS certified mail. Unfortunately, as of today I have not received any response from Experian or XX/XX/XXXX. 
I know that Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a full re-investigation within 30-45 days. 
On top of the stress that COVID-19 has caused me personally, I am truly distressed about my credit and the lack of assistance that the credit bureaus are offering. 
I would like to know the following information : 1. Did Experian and XX/XX/XXXX receive my reinvestigation request/dispute letters on the date provided by USPS? 
2. If so, why have I not heard back from them? 
3. If my dispute was not received, then who has all of my account information and copies of my personal documents that was sent certified to the credit bureau?
Consumer complaint received 2020-12-01
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.
Consumer complaint received 2020-12-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Alliance Recovery Group (OH)

Today XX/XX/XXXX I was contacted by alliance collections from a XXXX and asked me my name I told them and they asked me my last four of my social I gave it to them he then got nasty with me and didnt tell me how much the debt was when I asked and told me I have to pay a loan back that I never took out I told him I never took out a payday loan Im on XXXX and he said from XXXX XXXX XXXX in XXXX and that I used a XXXX XXXX account to do so I said I closed those accounts in XXXX so it wasnt me that took out the loan. He then said ok we are sending out a supeona for court to have you arrested for non payment. I said ok he hung up. I called XXXX XXXX and I had closed my accounts with XXXX  on XX/XX/XXXX th and XXXX  XXXX XXXX XXXX he never stated when the XXXX  XXXX  XXXX  loan was taken and I never signed or took out such a loan in my name. I looked onlineat XXXX XXXX XXXX and it said I had a loan for XXXX through XXXX XXXX XXXX on XXXX but I closed my bank accounts through XXXX XXXX  XXXX so Im also confused how there is a loan in my name. Other than a x husband who I have a cpo in place for telecommunications harrassements and severe abuse  he even posed as me and used my child support card number for online purschases while out of out home without permission I have no clue how the loan was taken out or who took out a loan from their company. Please help Im scared.
Consumer complaint received 2023-01-18
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-09-29
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. (NC)

I have contacted all three credit company Equifax, XXXX XXXX and XXXX regarding my credit reporting.Clearly there is some retaliatory behavior going on with these companies against minorities. I am requesting that your company address these issues with the credit bureaus. Clearly theres an accurate information that the credit companies refuse the report on my credit, along with the uncorrected information that I asked to be removed off my credit. I recently inquired from my bank XXXX XXXX XXXX XXXX that equifax and XXXX XXXX, and XXXX still have yet to remove that inaccurate information on my credit report such as name that are not Associate it with my credit addresses phone numbers and in accurate Social Security numbers that are not associated with my credit this is abuse of power and criminal. These credit bureaus have a way of ruining peoples lives and this is what they have done to me. This is my fourth time filing a complaint with the department and nothing has been done
Consumer complaint received 2022-08-12
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. (NY)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Acra Intermediate Holdings, LLC (AZ)

Our complaint in summary : We have been approved for XXXX XXXX XXXX  XXXX ( XXXX ) Our Mortgage Provider has verbally said they are planning to participate Our Mortgage Provider has us in active forclosure with a sale date although we have assistance through XXXX XXXX to bring us current. 

Our desired outcome : Our mortgage provider stop all forclosure actions and accept the assistance we qualified for with the XXXX  XXXX program. 

Mortgage Provider is CITADEL SERVICING CORPORATION XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX We filled out an Application for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We have weekly communication with Citadel informing them of our hardship and status of XXXX XXXXXXXX Application through out this whole time and still on going. 

In late XXXX we wanted to start making monthly payments so that we would only be a couple months behind. We tried to pay for XXXX and we were in XXXX. 

XXXX We made an online payment towards our delinquent amount. That was later returned. Citadel was at that point only willing to make the account current which meant we had to come up with the full amount past due and current due. 

XXXX XXXX XXXXXXXX sent us notification that they were awaiting response from our Mortgage Provider. It was the wrong provider listed and took about a month to correct. 

XXXX We heard from both XXXX XXXX and Citadel. XXXX XXXX formally requested participation in the XXXX program. Citadel acknowledged receiving the email and forwarded the information to management for review.

Citadel through out the process asked us to apply for a repayment plan but XXXX  XXXX informed us that a repayment plan would be viewed as us getting current and no longer needing assistance. We would no longer qualify for the assistance. We continued to communicate weekly with Citadel and XXXX XXXX checking on any movement. 

XXXX We received a notice of Trustee sale with a date set for XXXX XXXX We have been in contact with Citadel Sr. Loss Mitigation Specialist. 

XXXX We were informed that Citadel was planning to sign up but that its a long process. 

XXXX Citadel has no update regarding particapating in the XXXX program.
Consumer complaint received 2022-05-26
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: ARVEST BANK GROUP, INC. (NY)

Arvest Bank is literally aiding and abetting theft of services, larceny by trick, and other torts/crimes by their account holder in their credit card charge back number XXXX. We have literally supplied signed law firm retainer agreement, itemized billing invoices, emails back and forth, legal work product, and other evidence of the authorized credit card charge by this thieving client who still owes us money under a quantum meruit theory, but this XXXX bank still holds on to a {$300.00} consultation fee now going on 6 months. This is both unreasonable, unethical, as well as illegal. Please legally and equitably punish this bank for tormenting us in this manner.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to talk to someone at corporate for this dispute for my current lease of my vehicle. I have sent the same information to XXXX XXXX XXXX ATTN : Credit Dispute Team, this is just absurd that I am still dealing with these late payment notices/discrepancies on my credit report. This is my 2nd and last XXXX XXXX that I have and will buy/lease due to these issues. Now I have to turn in my vehicle which I plan on trying to sell instead due to the issues Ive had since becoming an XXXX consumer. 

Ive submitted disputes with the bureaus as told by XXXX XXXX and now I am having to email/write to a different depart to get this corrected. I went from ( 1 ) 30 day late incorrect reporting, to ( 2 ) 30 day late incorrect reporting. I am requesting these to be removed as previous indicated and confirmed by a XXXX XXXX customer service representative. Look back at my calls, notes from XXXX/XXXX, I need these corrected and removed at being late. Thank you and look forward to dealing with someone at a corporate level. Have a great day. 


This what I submitted to XXXX XXXX.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted TransUnion via certified mail to dispute the accuracy of accounts on my credit report that negatively affect me. I requested a full review of the documents they used to verify and a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted. I have attached the letter submitted to them below. This was mailed on Friday, XX/XX/2020. I was contacted by TransUnion by mail on, XX/XX/2020 acknowledging receipt and initiation for the investigation requested. I was later again contacted on XX/XX/2020. They reviewed and updated all disputed items without disclosing their compliance with Metro 2 and disclosing to me all of the documents that they have recorded and retained in your file at the time of this request concerning the accounts that they are reporting in my credit report.