davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED was never late ! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Experian. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX XXXX # XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : 1. Account Number : o XXXX : XXXX o Experian : XXXX o XXXX : NONE Inaccuracy Noted : Incomplete visibility in the screenshot prevents a full comparison of account numbers. 
XXXX. Balance : o XXXX : {$6900.00} o Experian : {$6900.00} o XXXX : NONE 3. XXXX XXXXXXXX XXXX XXXX XXXX  : o XXXX XXXX XXXX XXXX : {$6700.00} ; XXXX XXXX : {$5700.00} o Experian : XXXX XXXX XXXX {$6700.00} ; XXXX XXXX : {$5700.00} o XXXX : NONE XXXX. XXXX XXXX : o XXXX : {$0.00} o Experian : {$0.00} o XXXX : NONE XXXX. XXXX XXXX : o All show as Collection/Charge off, which is consistent. 
XXXX. Last Reported : o XXXX : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : NONE XXXX. Comments : o XXXX : Charged off as bad debt. Dispute resolved ; reported by grantor o Experian : Account was in dispute- now resolved - reported by subscriber. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active & Date of Last Payment : o XXXX : Last Active : XX/XX/XXXX ; Last Payment : XX/XX/XXXX o Experian : Last Active : XX/XX/XXXX ; Last Payment : XX/XX/XXXX o XXXX : NONE Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ].

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AR)

Credit Collection Services sent me a letter stating that I owe an alleged debt This company has broken the law Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report. I realized that report was inaccurate, and this inaccurate report is unfair to me because i was never notified when this inaccurate information was furnished and i was never notified when during your company 's initial investigation that you were going to report this information Pursuant to 15 us 1681 ( a ) ( 1 ) This gave error has undermining my confidence in your company 's procedure and as a result of this I will no longer be extending credit and if this information is not removed, I no longer want my information reported in your companies database Pursuant to 15 usc 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused and has ruined my reputation and it has adversely affected my credit worthiness Pursuant to 15 usc 1681 ( a ) ( 3 ) Your company assumed this role. You were not given express permission by me XXXX XXXX!!!! the consumer competent court jurisdiction so not only did you fail in the initial investigation of this information. Youve also assumed this information was valid which is a VIOLATION of my consumer rights. Pursuant to 15 usc 1681 ( a ) ( 4 ) You did not ensure that the information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this VIOLATED my rights to privacy. Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate. whether or not it factually took place can be categorized as a transaction that took place between the consumer and person making the report. Which means it should not be included in my consumer report and infract is a VIOLATION of my consumer rights. Pursuant to 15 usc 1681a ( d ) ( 2 ) ( iii ) In your initial investigation I ws never given the opportunity to deny this information being communicated on my consumer report. This is a infract another VIOLATION!! ( Please see form attached ) Due to your companies negligence I am demanding each and everything in the attached letter. If each thing I am demanding can not be provided then you are to black and delete this inaccurate information Pursuant to 15 USC 1681c-2 This is identity theft due to the purchase of the alleged debt
Consumer complaint received 2021-10-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

i bought giftcards off a company buy the name off XXXX  and i never got/ receved the gift cards i went to XXXX  and they tried checking the digital giftcard and they could not even check or see a balance said card invalid they told me its possible fraud that they should be able to check it and i bought a XXXX XXXX giftcard and never got it and they placed it on my credit reports hurt them bad and i contacted them mutiple times and they never would help told me contact the card issures and they said it was done threw XXXX  they have nothing to do with it all im wanting is the credit reports fixed and removed from reports and the debt even cause i should not XXXX to pay for something i never got /receved i lost more then a XXXX or more pionts because of them i contact them and i asked them would you pay for something u never used/ did not receve they could not responed
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CO)

I was a victim of an internet scam involving my credit cards. This took place for about a month from XXXX, 2019 to XXXX, 2019 I was told to buy XXXX gi! cards from XXXX and XXXX and they would pay of the balance to help me build my credit. They logged in to my accounts and added " their bank information '' and paid the balance on the card. I believe this was down 6 times across my amex, XXXX, and XXXX  credit cards. Now I have thousands of dollars of debt because the payments didn't process completely. This cause my accounts to almost triple the balance limit. The companies will be receiving this police report. I just found out I am able to file this report that's why the date is so far back
Consumer complaint received 2021-01-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I signed up for a XXXX XXXX {$600.00} promotion online in XX/XX/2020. The offer said you get {$300.00} when you open a new checking account and direct deposit {$500.00} or more within the first 60 days. The first part of this offer I completed on XX/XX/XXXX by submitting {$600.00} direct deposit from my employer. The second part of the offer claimed you get an additional {$200.00} bonus when you open a new savings account and keep a balance of {$15000.00} for 3 months. This was completed on XX/XX/XXXX. When completing both offers, you get an additional {$100.00} for a total of {$600.00} with a payout date of XX/XX/XXXX. 

Come the payout date, I wasn't provided the bonus. I opened a case with support through their website. They initially said I didn't qualify for the bonus because a direct deposit wasn't made within the time period specified. This was incorrect and I provided them details about the direct deposit my employer made within the first 30 days of account opening. I opened a second case and now they are telling me I don't qualify because the checking account was closed. I wasn't provided any notifications, emails, phone calls, letters in the mail, or anything regarding my checking account being closed or in bad standing. 

Banking support was a pain to work with. I was hung up on after waiting 30 minutes on hold to get some support about this issue. I took to the messaging system which would just not work at all on some days. Unfortunately, it was a bad experience overall and a waste of time.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/XXXX, I submitted a dispute to Trans Union regarding 'hard ' inquiries that showed up on my Trans Union credit report ( " Dispute '' ). Trans Union has spent the last 6 months refusing to investigate the dispute. Despite having a legal duty to investigate the dispute, Trans Union has continued to refuse to investigate my disputes. They have sent me boilerplate letters instructing me that if I want an investigation completed, I need to take my grievance to the companies who pulled the reports. 

On XX/XX/XXXX, following months of stonewalling by Trans Unions, I submitted a complaint to your office. See Complaint No. XXXX. 

On XX/XX/XXXX, Trans Union, for the first time, acknowledged that Trans Union had a duty to investigate my dispute. They also informed this office that " Consumer Relations will enter [ my ] dispute into [ Trans Unions ] system and review all information and any additional documentation you provide to determine next steps ''. 

On XX/XX/XXXX, I received a letter in the mail from Trans Union indicating that they would not continue processing my dispute. They cited identity issues but they have been provided the exact identity documentation that they are requesting I provide. Since I have given Trans Union what documentation they claim to need, I can only construe this as a constructive refusal to investigate my dispute. 

On XX/XX/XXXX, I submitted another complaint regarding Trans Unions refusal to follow though with its promise to this office and investigate my dispute as it agreed to do. See XXXX. 

On XX/XX/XXXX, again refused investigate my dispute. Trans Union again sent me a boilerplate response instructing me that if I want an investigation completed, I need to take my grievance to the companies who pulled the reports. Your office was provided with a copy of their response. XXXX : Id. 

Complaint : I have presented Trans Union with a dispute as to the accuracy of my credit file. Specifically, I disputed unauthorized hard inquiries that appeared on my credit report in XX/XX/XXXX. Trans Union has a duty to investigate the accuracy of these inquiries. Trans Union has agreed that it has a duty to investigate these disputes. See Complaint No. XXXX. Nevertheless, Trans Union wilfully refuses to comply with it obligations in a timely manner as required by the FRCA. 

Remove the disputed inquiries.
Consumer complaint received 2021-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello I have reviewed my credit report and found that there was an unauthorized inquiry on my report from XXXX. I contacted XXXX and the advised there was nothing they could not about the issue. Inquiry Date listed is XX/XX/2019 I did not request services with XXXX XXXX and I would like to have this inquiry removed from my credit report.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Good afternoon, Between the dates of XX/XX/XXXX and XX/XX/XXXX, I applied for mortgage pre-approval with six different lenders, in an effort to identify the best rates. 

I did so in the comfort that this would only be recorded on my credit report as a single inquiry, on the basis of the CFPB 's guidance below : https : XXXX To my surprise, the inquiries were recorded as separate inquiries by each of the credit reporting agencies. As a result, my credit score declined over time as the later credit inquiries were submitted. 

I spoke with agents, supervisors, and supervisor 's supervisors at Transunion, and XXXX. l also called XXXX, but their automated system did not let me speak with a person. I was unable to resolve the issue in any of these cases. In the case of Transunion, the supervisor 's supervisor explained that different credit scoring modules calculate credit scores differently, with some recording mortgage inquiries within a 45 day window as a single inquiry, while others record inquiries only falling within a 14 day window as a single inquiry. 

Please can I ask that all three credit reporting agencies change their reports so that all inquiries within the 45 day period are recorded as a single inquiry in all cases, regardless of which credit scoring module is used? 

Many thanks! 

XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting 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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXXXXXX,
Consumer complaint received 2022-01-05
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. (AL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-01-20
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. (WA)

Experian shows a Mortgage Account XXXXXXXX XXXX XXXX as open and with a balance. Account paid off XXXX XX/XX/2020. Made dispute with Experian, said account remains open and correct. XXXX XXXX Shown on XXXX XXXX and XXXX as paid in full and account closed.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

I am writing because I recently viewed my credit report and noticed inaccurate information. Rushmore loan management is showing a late payment status over 120 days late. This information is in accurate. I have never been late with Rushmore loan management and This debt was discharged in a bankruptcy that I filed XX/XX/XXXX and completed XX/XX/XXXX. Please see the attached discharge documentation that includes the debt being discharged back in XXXX. Since the bankruptcy I have not taken out any new loans with Rushmore therefore the late payment report in XXXX is inaccurate. I would like this information removed and this old account deleted from all 3 credit bureaus.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (TX)

After the BBVA buyout of Simple, I am unable to access my accounts. On Saturday XX/XX/XXXX and XXXX I have called support numbers only to be hung up on and treated like XXXX by their outsourced customer service team. 

I have no access to my account whatsoever due to this XXXX.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (NC)

I have had a " simple '' account for years. XXXX they decided to close simple and put everything under their main system XXXX. XXXX does not transfer account as it's supposed to via the web site or their app, phone numbers are worthless. If you call phone numbers 99 % of the time you are simply hung up on. When you do actually have your call picked up someone who sounds like they speak english as a second language XXXX XXXX person ) pretends they can't hear you ( every time ) then sometimes reads off a phone number so fast you can't hear or understand it. These people have several XXXX dollars of my money and will undoubtedly continue to enjoy the benefits of my funds until they feel like giving me access to my money again XXXX like when, several weeks? ) They are apparently secure in the idea that their debacle will go unpunished when it should not. My fear is that if they are not immediately called on the carpet that this will result in a torrent of over drafts and refused charges from a couple of things that I have charging their card every month. You can't let this go on when they've shown their colors already punishment needs to be swift and sure so no one thinks it's ok to do this again.