davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
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. (UT)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2021-08-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (TN)

I sent three certified letters on XX/XX/2021 to Credit Control CorpXXXX and due to noncommunication of the letters I sent on XX/XX/2021, a copy of which is enclosed along with a copy of the ( certified mail or fax receipt ). I sent you a letter requesting validation of the above account and was received by them on XX/XX/2021. 

One collections was removed due to not being able to validate the other two still remain. 

My request was to : -Please provide a breakdown of fees including any collection costs and medical charges. 
-Provide a copy of my signature with the provider of service to release my medical information to you. 
-Cease any credit bureau reporting until the debt has been validated by me. 


Under the Fair Debt Collection Practices Act, you are required to respond to my request for validation within 30 days of receipt of my communication. However, it has been more than 30 days, and I have yet to receive a response. Under both State and Federal consumer law I have the right to have my debt validated, and you are obligated to respond within the statutory time limit. 

I then sent a failure to validate letter on XX/XX/2021 and was received XX/XX/2021, which is also attached as ( letter 2 ) also attached the certified recipets as well.
Consumer complaint received 2021-08-30
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)

ON XX/XX/2021 I submitted a packet to Transunion, in regards to the inaccurate information on my credit report. In the packet i've included a cease and desist, notarized Affidavit of truth. Transunion has violated my Consumer Rights under FCRA 15 U.S Code 1681e ( b ), 15 U.S Code 1681i ( 5 ) ( a ) ( i ) 15 U.S Code 1681b ( 2 ).
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (MN)

I was offered a BestBuy Credit Card on XXXX XXXX  with a credit limit of {$2500.00}. 
and The Home Deport Credit Card on on XXXX XXXX XXXX. I was making payment till I lost my job. Then I fell behind in payments. 

I reached out to the bank to negotiate settlement, but the bank refused to respond to my letters. I have tried several times without success. I send letters via USPS certified mail to negotiate settlement, but the Citi Bank N.A. will not respond. There are proofs that the letters were delivered. See attached. Now they send multiple Attorneys and
Collection agencies to harass me. Several agencies claim the same account has been assigned to them. I do not know if they are scams or not, because the Citi Bank NA will not respond to my letters. See attached. 

Citi Bank has not informed me that the accounts have been sold or assigned to any debt collector agency. There is no document to show that the accounts were assigned to any of these collection agencies. So, I do not know whether these collection agencies are genuine or scammers. 

I have also found several irregularities on the Credit Card applications and account statements which might be violation of Federal Laws : 1. The Loan application shows that my annual income was {$7000.00} ( XXXX  XXXX XXXX Dollars ). How was I approved for a credit line of {$2500.00} ( XXXX XXXX XXXX XXXX dollars ) with an annual income of of {$7000.00}? 
Ability To Repay ( ATR ) was neglected. 

2. Interest and fees were capitalized to capital balance and interest charged on the balance thereby charging interest on interest and fees. This is compound interest which I believe is illegal. 

3. At a time when the Credit Card utilization was at 85 %, the bank increased the credit limit by 44 % without my request for increase of credit limit. Please see more details attached.
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

Phone number XXXX called me claiming to be a chase bank at a location near my home. They offered assistance with any credit card information I needed like savings, debit, credit card, or loan info. The person said he was a representative of chase Bank and that they call all their costumers in this manner. 
I have never used the location in my life. Offered no info and hung up.
Consumer complaint received 2022-03-04
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

Nothing significant happened in my credit report, but Experian dropped my score 56 points! Prior to that they dropped my score by 27 points with no significant info on my report.

I called Experian and was put on hold, then transferred around to three different people, then the third person hung up on me when I said please do not read my credit report to me, please explain why you dropped my score so significantly.

These dropping of my score have lowered my score below XXXX, disqualifying me from refinancing my home.
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$3300.00}
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

As I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : DEPTEDXXXX XXXX Balance {$6800.00} DEPTEDXXXX XXXX Balance {$0.00} XX/XX/XXXX DEPTEDXXXX XXXX Balance {$0.00} XXXX. XXXX, XXXX DEPTEDXXXX  XXXX Balance {$0.00} XXXX. XXXX, XXXX DEPTEDXXXX XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX DEPTEDXXXX  XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX  XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX  XXXX Balance {$0.00} XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX  XXXX Balance {$0.00} XXXX. XXXX, XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX ) XXXX Balance {$3000.00} XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX BANKRUPTCY DISMISSED Reference Number XXXX Filing Date XX/XX/XXXX XXXX  XXXX BANKRUPTCY DISCHARGED Reference Number XXXX Filing Date XX/XX/XXXX XXXX
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (CA)

I received a " XXXX XXXX '' physical gift card for {$10.00} as a XXXX present. When I went to scratch off the back to reveal the code, the scratch off was defective and took off the code with it making the code unreadable. The card was obviously produced by a cut rate company in an effort to save money. I've never had any other store gift card have the code destroyed by pealing off the silver backing. 

I contacted the issuer of the card and sent them a picture of the physical " XXXX XXXX '' gift card showing that I'm the owner and that the back was defective. 

They refused to replace the card or give me the value of the card for their merchandise.
Consumer complaint received 2022-03-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (CA)

I received a Debt collection letter from a company name IC SYSTEM INC. 
this FRAUDULENT DEBT has been fully disputed before at least twice with the Knowledge of the CFPB. 
XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 
I'm attaching my DISPUTE DEBT LETTER. I would like CFPB Fine and Penalized XXXX XXXX XXXX and this Debt Collector for still trying to collect a Fraudulent Debt of {$300.00}
Consumer complaint received 2024-10-16
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: Experian Information Solutions Inc. (GA)

Re : Formal Complaint Against Experian Failure to Update Personal Information and Credit Report To Whom It May Concern : I am writing to formally file a complaint against Experian for its failure to update my personal information and credit report, despite repeated requests over the past XXXX  days. I have contacted Experian multiple times to request the removal of my old address ( XXXX XXXX XXXX, XXXX XXXX, XXXX  ) and to have my current address ( XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX  ) added to my credit file. These requests have been ignored, and no action has been taken to correct the discrepancies, which constitutes a clear violation of consumer protection laws. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, mandate
s that credit reporting agencies maintain accurate and complete information. Experian 's continued failure to update my personal information within a reasonable time frame is a blatant violation of FCRA 's requirement that credit bureaus promptly correct inaccuracies upon notification. The law specifically obligates credit reporting agencies to investigate disputes and make necessary corrections within 30 days. The 93 days that have elapsed since my initial request far exceed this legal timeframe. 

Furthermore, the Consumer Financial Protection Bureau 's guidelines emphasize that consumers have the right to dispute incomplete or inaccurate information on their credit report. Despite this, I have received no communication from Experian confirming the update of my address or indicating that the matter is under investigation. I have attached my most current credit report and credit score, which clearly show that my address has not been updated and that the report does not reflect recent, accurate information. 

I am requesting immediate action to resolve this issue. Experian must remove my old address ( XXXX XXXX XXXX, XXXX XXXX, XXXX  ) and add my current address ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX  ) to my credit file. Additionally, all other relevant information in my credit report must be reviewed for accuracy. If Experian fails to address this matter promptly, I will pursue legal remedies under the FCRA, including filing a lawsuit for damages due to negligent non-compliance. 

I expect confirmation of the corrections within 15 days of receipt of this letter. If Experian continues to fail in fulfilling its legal obligations, I will escalate the situation by filing a formal complaint with the Federal Trade Commission ( FTC ), pursuing legal action, and seeking further assistance from the Consumer Financial Protection Bureau to ensure compliance with federal law. 

Thank you for your prompt attention to this matter. I look forward to a swift and satisfactory resolution.
Consumer complaint received 2022-03-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify :
Consumer complaint received 2022-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (MD)

Yesterday, I found out that someone fraudulently opened XXXX ( XXXX ) accounts in my name through TD Bank. 

One TD Convenience Checking Account One TD Growth Money Market Account One TD Beyond Checking Account I filed a report with TD Bank and they have opened up an investigation. I also reported it to all XXXX credit bureaus. 

They only used my name and address. None of my personal accounts were used.
Consumer complaint received 2022-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX and the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2022-03-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX  XXXX bankruptcy discharged Reference number : XXXX Date Filed : XXXX XXXX XXXX XXXXXXXX Balance {$480.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXXXXXX Balance {$3700.00} XXXX XXXXXXXX XXXX Balance {$520.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$510.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX, contacted the Experian Technical Dept. for assistance in performing a Soft Pull of my Credit Report. As a company policy XXXX does not perform Hard Inquiry and this point was expressed to Experian, however, in providing instruction to XXXX, Experian gave instruction for a Hard Inquiry. Therefore, XXXX placed a Hard Inquiry on my Experian credit report in error and then when the error was brought to their attention by me they contacted Experian for instruction to suppress ( remove ) the Hard Inquiry. They sent a letter a redacted copy of which I have attached with instruction to suppress the Hard Inquiry to the email address given to them by Experian Tech Dept. Said Experian department received the correspondence as indicated below ; From : Profile Maintenance Dept XXXX Sent : Wednesday, XX/XX/2022 XXXX PM To : XXXX XXXX XXXX Subject : Delivery Receipt We received your request. Please allow 3 business days for sorting. If we are unable to process your request for any reason, a notification reply will be sent. Confirmation of completion will not be sent. Remember to always follow an encryption procedure when submitting sensitive information. Please contact Profile Maintenance at XXXX for any questions. 



Profile Maintenance Department Yet despite this written request to suppress the Hard Inquiry on my Credit Report, Experian in direct violation of the Fair Credit Reporting Act, has not yet suppressed or otherwise removed the unauthorized Hard Inquiry from my credit report. 

FAIR CREDIT ACT Consumer reporting agencies must correct or delete inaccurate, incomplete or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected within XXXX business days of the Consumer Reporting Agency being made aware of the reporting violation.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: M&T BANK CORPORATION (MD)

I've been a customer of M & T bank since XX/XX/2007. At that time I used them as my primary banking. After some time I have spread out to other banks and accounts. Over the years, I would send funds to my M & T back account each month. I didn't use it as an active account but, I wanted to hold a balance with them. 

Recently, I was able to log in to my account and found out that each month they were taking a {$14.00} a month service fee from me for a service that I do no use. I spoke to customer service and they were able to refund just XXXX months but, said I have to go to the bank if I wanted to resolve it further. I went to the bank and the cashier wouldn't help me at all. She ended up changing my accout over to an account that doesn't have this fee as another period were money was taken out.She also had to change the phone number and address on file. 

I want my money back.