davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In XXXX I realized I was beyond 30 days behind on my personal loan payment with XXXX. In the past through 2020 I have had income issues related to lost business from COVID. They had worked with me once before to not report a 30 day late payment. While this has improved, my income has not fully recovered. I had to contacted them to let them know my payment may be past 30 days late. As soon as I could, I payed both the past due and soon after the current month was caught up. After having never reported a payment late before as long as I had spoken with them and arranged repayment, they reported this payment late. Inconsistent reporting, leaves you very confused about the relationship with a lender. Needless to say, this resulted in an 80+ point drop in my credit score, destroying it. The account has been brought current, but is currently just a few days behind and will be caught up in a matter of days. If they are going to enforce their rules, they should do it in all cases. In my case I have had always kept it paid, and when I got behind it was brought up quickly. Please have the late payment for this account removed. Fair is fair, especially as we are trying to recover from an economic situation we did not cause, want or ask for.
Consumer complaint received 2019-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

booked a flight with XXXX from XXXX XXXX to XXXX XXXX, transferred at XXXX. My wife and I flew out on XX/XX/XXXX XXXX, 2019. We arrived in XXXX at or around XXXX am XX/XX/XXXX. Our next flight was set to fly two hours later. However, due to severe weather condition in XXXX XXXX, our flight was canceled. So my wife, who is 6 months pregnant and I had to rush to XXXX customer service desk to reschedule our flight. Unfortunately, the next flight was full. But it was ok, we were on stand by list. We were set to fly around XXXX XXXX   in the afternoon. When it was close to XXXX XXXX, we were told that this flight was canceled too. We asked the customer service what is the next flight. They told us the next flight was around XXXX, of course, no seat. We were placed in the stand-by list. When it is time to board the XXXX XXXX flight, we were told that all flights to XXXX XXXX were canceled, including all airlines. And we were told that there might be another flight the next day afternoon around XXXX XXXX, but there is no guarantee that there will be any seats. Because my wife was pregnant, and we did not know where should we stay overnight, and we could not retrieve our luggage because we were placed in the stand-by list, we decided that we just took XXXX, which was the only way of transportation to get to the destination. We spent XXXX dollars ( including train fare and food/water ) to get to XXXX XXXX by XXXX XXXX XXXX to get to XXXX XXXX. Since I used Citi Prestige Credit Card, which touted the benefit of Trip cancellation coverage insured by XXXX XXXX, I claimed Trip Cancellation from Citi Bank. Yet, my claim was rejected by adjuster because she said that I chose to incur more cost by changing the destination or connecting city. I called Citi bank many times with no satisfactory explanation. And adjuster never called me back as she promised. My claim number is XXXX
Consumer complaint received 2021-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

In spite of telling them XXXX new mortgage loan servicer ), my payment has been send and the check was cleared already, they disregard that fact they received my payment and keep calling me for annoying debt collection calls. 
I sent check according to the address shown on the mortgage loan servicer change notice. Payment receiving center, XXXX and XXXX communication center do not communicate within the same organization. 

Incredibly incompetent and annoying. 
Wasting so much time answering their " debt collection '' calls. 

Please stop once and for all for this stupid institution to engage in this sort of irresponsible action. They are sending me wrong payment amount as well. They don't even read the purchased Note and Deed of Trust and changing the monthly payment amount. 

Totally unacceptable and illegal act.
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom this may concern : This complaint is due to the unauthorized inquires on my Transunion report. I have a fraud alert on my account which should have not allowed these companies to allow credit applications without verification. The unauthorized inquiries listed are XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX CA XX/XX/XXXX, XX/XX/XXXX/XXXX XX/XX/XXXX. It would be greatly appreciated if these inquiries be removed from my Transunion report as soon as possible. Also, the account XXXX/XXXX needs to be removed that was never properly verified with physical proof of debt validation or contract after disputing on more than one occasion. This XXXX/XXXX  account shows that it was sold/paid in full to XXXX XXXX which means that I do not owe this debt to this company that is listed on my report nor would Transunion be able to properly verify something that they no longer own. Also, the collection account XXXX XXXX was not properly verified either with physical proof of debt validation just updated as " Verified as Accurate ''.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with Fair Credit Reporting Everything has to be 100 % accurate on my report The Credit Bureaus stated my account was properly investigated and verified. These INQUIRYS are fraudulently on my credit report. Please send me verification I authorized these : XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX  XX/XX/2022. This is ground for removal they violated my rights. 15 U.S.C.1681 section 604 A. Section 2 States a consumer reporting agency can not furnish an account without my written instructions. Also the Credit Bureaus took more 30 days to complete my investigations.
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX : following items disputed XXXX   XXXX no independent investigation was done. No proof of contract with my signature on it. XXXX XXXX XXXX THERE SHOULD NOT BE ANY LATE PAYMENTS LISTED ON THIS ACCOUNT AFTER THE CLOSE DATE AND YET, I AM STILL SEEING THIS ACCOUNT EACH MONTH. NO CONTRACT WITH MY SIGNATURE ON IT. NO PROOF. XXXX XXXX THIS ACCOUNT MUST HAVE THE CORRECT COURT NAME, LISTED WITH CITY AND STATE. BEING REPORTED INCORRECTLY. MUST BE DELETED PER SAY UNDER THE FAIR CREDIT REPORTING ACT. 

TRANSUNION : XXXX XXXX NO INDEPENDENT INVESTIGATION WAS DONE. NO PROOF ACCOUNT BELONG TO ME. XXXX ( ORIGINAL CREDITOR : 09 XXXX XXXX ) ORIGINAL CREDITOR REMOVED THIS ACCOUNT DUE TO THE FACT TRANSUNION XXXX VERIFY UNDER SECTION 609. XXXX XXXX XXXX THERE SHOULD NOT BE ANY LATE PAYMENTS LISTED ON THIS ACCOUNT WITH THE PAST DUE BALANCE. THIS IS A COLLECTION AND VIOLATION PER FDCPA. XXXX XXXX XXXX MULTIPLE DATES LISTED UNDER THE DATE OF LAST ACTIVITY. NO VERIFICATION AND VIOLATION. XXXX THIS ACCOUNT DOES NOT SUPPLY CORRECT CITY AND STATE AND NAME OF COURT. INACCURATE. MUST BE DELETED FROM FILE. 

XXXX  : TRANSUNION : XXXX XXXX NO INDEPENDENT INVESTIGATION WAS DONE. NO PROOF ACCOUNT BELONG TO ME. XXXX ( ORIGINAL CREDITOR : 09 XXXX XXXX ) ORIGINAL CREDITOR REMOVED THIS ACCOUNT DUE TO THE FACT TRANSUNION COULDNT VERIFY UNDER SECTION 609. XXXX XXXX XXXX THERE SHOULD NOT BE ANY LATE PAYMENTS LISTED ON THIS ACCOUNT WITH THE PAST DUE BALANCE. THIS IS A COLLECTION AND VIOLATION PER FDCPA. XXXX XXXX XXXX MULTIPLE DATES LISTED UNDER THE DATE OF LAST ACTIVITY. NO VERIFICATION AND VIOLATION. XXXX THIS ACCOUNT DOES NOT SUPPLY CORRECT CITY AND STATE AND NAME OF COURT. INACCURATE. MUST BE DELETED FROM FILE. 

All these accounts I have disputed with all the credit reporting agencies. They have not prove 100 percent that these accounts are true and belong on my credit file. Every time i send letters all each credit bureau does is send me a computerized letter saying verified. I am requesting that all inaccurate items be removed. This is affecting my ability to obtain credit
Consumer complaint received 2021-09-22
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. (IL)

I made a previous complaint about an account XXXX XXXX XXXX XXXX XXXX in which after further investigation of the account the company sent out a letter to all three credit bureaus requesting the DELETION of ALL RAITINGS SUBMITTED by XXXX XXXX XXXX XXXX as of XX/XX/2021 but Experian has refused to removed the account. Every time I call I am treated with DISRESPECT and told that they ( Experian Staff ) " Dont Have To Do Anything '' and then even more negative remarks appear on the account with Experian Staff continuing to tell me that the Data Furnisher ( XXXX XXXX XXXX XXXX ) has been contacted and the account has been verified properly updated on XX/XX/2021 and XXXX XXXX. How is that possible????? I am in constant contact with the Data Furnisher and I know it is not true because XXXX and XXXX properly investigated the account and HAS REMOVED IT FROM MY CREDIT REPORT as of XX/XX/2021. I have had enough with the EGREGIOUS Actions that Experian Has Taken Against me. This is Discrimination!!!!! Every time I call I get bad remarks on A account that should have been Deleted Per the Data Furnisher 's Request???? As of today their are 30 Negative marks plus on this account.

Today I am up loading a copy of the CREDIT DELETION LETTER along with a copy of my ID and the information that is shown on my Credit Report from Experian who again is purposely keeping INACCURATE INFORMATION on my credit report which is hindering the proper Credit Score that I deserve.
Consumer complaint received 2021-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (FL)

XXXX XXXX is a new feature offered by Huntington Bank and I am eligible for this account. My account was opened in Michigan on XX/XX/2019. I always maintain a positive balance and even have $ XXXX in savings.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I sent a letter to three bureaus to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX  XXXX XXXX XXXX  Balance : {$970.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX  Balance : {$730.00} ; XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX  ) XXXX  Balance : {$430.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX  Balance : {$200.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance {$2000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX  Balance : {$200.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2019-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX  XXXX XXXX put a collections on XX/XX/2019 for {$1300.00} open date invalid. I have had this removed once because this is not my acct I will attach what the creditor before sent me on this before hand. It belongs to another person! Please have them remove this account!
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to remove the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
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
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/ I pulled my consumer report and I am showing Transunion Credit Reporting agency is reporting XXXX inquiries from companies I did not authorize nor recognize. They are violating federal laws 15 USC 1692g ( debt validation ) as they never validated the debt with the original creditor. They have violated 15 USC 1681 ( consumers privacy rights ), they have also violated FDCPA. They are reporting inaccurate information on my consumer report hindering me from obtaining credit for a car. I sent certified mail demanding removal on XX/XX/ and they have failed to respond. According to federal laws they have 30 days to respond and are outside of the response time window. 

15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 2 ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable Federal or State equal employment opportunity law or regulation. 

I demand removal of the misinformation being reported without my consent. They are also invading my privacy which is against federal laws.
Consumer complaint received 2022-09-04
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. (PA)

Experian will not remove this illegal account off of my credit report. I have tried disputing sever times and now it doesnt even let me dispute it. I want this illegal account removed from my credit report immediately. 

15 US 6802, 18 USC 899, 15 USC 1605 15 USC 1692 6, HRJ 192 73 C, 18 USC 894 15 USC 1681B ( 2 )
Consumer complaint received 2024-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NY)

I was late on my Barclays JetBlue plus payment and was charged a late fee, however it was not 30 days late and therefore shouldnt have been added to my credit report. I made my minimum payment on the XXXX of XXXX and it posted the XXXX. My due date was the XXXX so it should not have been considered 30 days late. Please remove this inaccurate remark from my report before I consider legal action.
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (LA)

I XXXX XXXX XXXX, Have been violated of my consumer rights by Speedy Cash15 USC 1692b. ( 5 ) defines, not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Speedy Cash used their company logo on each exhibit I've presented which is a violation of my consumer rights and privacy. 15 USC 1692e. ( 2 ) ( a ) defines, The false representation of the amount of any debt. All circled charges are in the positive, if it is a debt that is owed like they " allege '', all charges owed should be in the negative. 15 USC 1692b. ( 2 ) defines, not state that such consumer owes any debt. Speedy Cash, stated in letter that " This communication is from a debt collector. This is an attempt to collect debt and any information obtained will be used for that purpose. '' which is in violation of my consumer rights and privacy. 15 USC 1692d. ( 1 ) defines, The use or threat of use of criminal means to harm the reputation of any person. Speedy Cash, threaten to give my personal information to a illegal third party, which is identity theft, which is a criminal act, so that they can report falsely on my consumer reports which will ruin my reputation. Speedy Cash is in violation of The Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692, and is now civilly and criminally liable.
Consumer complaint received 2022-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

I'm having numerous issues with Experian Credit Bureaus first and foremost they show npupdating information to credit report, there's a lot misinformation that has cause me to denied credit. Second of all the credit scores they perpetuate are racially bias because scoring system they use show a high risk delinquency and default which is not the case with me. I will you prime example their XXXX scoring is XXXX XXXX Bank uses Experian to look at my creditworthiness ( in scoring me under their FICO system ) they deliberately leave ( 2 ) month information in the system that is outdated : too many inquiries in the last year on XXXX  there's only one inquiry, XXXX  there show no inquiry, but on Experian they're showing three why? As for the scores XXXX  is showing a XXXX score XXXX  is show XXXX and Experian is XXXX score again why is there large disparity in score with same information. I feel disproportionately targeted these judgments are then listed on my credit reports, which drive my credit score and limiting any opportunities for better rates. The factor with Experian inability or unwillingness to remove outdated information is the case with XXXX XXXX XXXX  where they has inquiry on credit report after apply for their with the understanding it wouldn't impact my credit why is it that Experian has not removed this inquiry/ This show how outdated information has effected my ability to get credit , drive down my score and lead other creditors to look at history and score in a negative way I'm going attached a host information to prove my point. I've spoken with them on a numerous occasions regarding this matter but I was unable to get them to review the matter. They informed to speak with creditors regarding the matters. How do speak to someone with information that's two months old/