davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
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. (PA)

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected or deleted. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXXXXXBalance : {$14000.00}
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I signed up for a premium membership with Experian 5 years ago to build up my XXXX XXXX. I did this because, even though I had no debt & paid all my bills on time with my checking account, I had a low XXXX score due to handling my finances on a cash basis. This being a barrier to applying for either a mortgage or a car. Experians XXXX program seemed a perfect answer. It was until 2 yrs ago. 

The XXXX program consists of monitoring your bank accounts & uses monthly expenses to help boost your XXXX score. Experian also provides your XXXX score on XXXX XXXX XXXX. These entities do not have access to your banking info. 

I had built my score up from XXXX to XXXX. I had to buy a car & this helped immensely. However, in XX/XX/XXXX, my purse & credit cards were stolen & my roommate moved out. My monthly expenses went up & my XXXX XXXX went down on Experian, but not on the other 2 credit reporting companies. 

After the theft of my cards, I noticed the connection between my bank & Experian seemed to be broken. I corrected this but my XXXX XXXX kept dropping. Bills that had been on autopay since the XXXX werent boosting my score. I called Experian many times & asked why, if my bills were paid on time, was my score dropping on their report but not on the other 2 reporting agencies? ( Experian : XXXX, XXXX : XXXX, XXXX : XXXX ). They said it was because XXXX needed the 3 months history of payment to show in the score. I argued that I have never missed a payment on any of my bills as shown by my credit reports with the other credit reporting companies on their own site. They restored my score to the excellent range. But the next month, it dropped again. 

I called them multiple times asking why my score isnt based on my payment history & balances, but rather on my bank balances? After being hung up on, I cancelled my membership ( {$24.00} for 5 yrs, even though the premium rate went down to {$19.00} ) in XX/XX/XXXX. As soon as my cancelation took effect, my score dropped XXXX points and they are still monitoring my bank account. I have tried to disconnect it ; remove my banking info from their app and you cant do it! 

As of today, I am still being punished. Given that XXXX XXXX uses Experian to provide an immediate XXXX XXXX to their customers, my score is XXXX, on XXXX its XXXX & XXXX its XXXX. I just want them out of my bank accounts & to base my XXXX score on the same data the other 2 credit reporting companies.
Consumer complaint received 2022-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

my credit score dropped XXXX XXXX on XX/XX/22 due to my balance decreasing isnt this false tell me why my scoe went down or is it punishment on your part for me complaining
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request to Update Credit Report XXXX XXXX XXXX XXXX Reporting To Whom It May Concern : I am writing to request your assistance in correcting an inaccurate report from XXXX XXXX XXXX XXXX XXXX  on my credit file. The account in question pertains to a debt purchased by XXXX XXXX XXXX from XXXX XXXX XXXX. and currently reflects a negative status, which does not accurately represent my current payment arrangement. 

The details of the account are as follows : Account Number : [ XXXX ] Original Creditor : XXXX XXXX XXXX. 
Balance : {$380.00} Payment Plan : Active ( with XXXX payments remaining as of XX/XX/year> ) Next Payment Due : XX/XX/year> As the attached documents demonstrate, I have entered into an active and agreed-upon payment plan with XXXX XXXX XXXX to resolve this debt. I have been making timely payments according to the schedule, as evidenced by the confirmation of my most recent payment made on XX/XX/year>. 

Despite this, the account is still being reported as a negative collection account, which is unfair and inaccurate. The status of this debt should be updated to reflect the active payment arrangement and my continued adherence to it. Therefore, I am requesting the Consumer Financial Protection Bureaus intervention to have XXXX XXXX XXXX correct this reporting and ensure that the information reflects the positive status of my ongoing payment plan. 

Please ensure that the updated information is reflected with all three major credit bureaus : XXXX, Experian, and XXXX. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation that the necessary corrections have been made. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-23
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: CITIBANK, N.A. (NJ)

Hello, I have fraudulent charges reported to the Citi Visa Card and no actions were taking by the card issuer. I did report stolen credit to the CITI back in XX/XX/XXXX, also police report was filed with the local police department and somehow charges for {$16000.00} still listed on the statement. Please see those charges below : XX/XX/XXXX XX/XX/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 2022-10-23
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: Experian Information Solutions Inc. (TX)

Experian has not validated that the bankruptcy they are reporting on my credit report belongs to me. I sent a letter on XX/XX/2022 requesting validation, but they did not respond.
Consumer complaint received 2022-09-08
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$92000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$98000.00}.
Consumer complaint received 2022-09-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Compattia Roccia Management Group, LLC (OK)

I specifically had told the company that acquired XXXX XXXX debt on XX/XX/22 that I had set up pymt arrangements. I then disconnected the call. He called back twice, the 2nd time I advised him he was violating the fdcpa laws. He argued, I advised again of the fscpa laws and disconnected.The 3rd time he stated my case would be escalated to legal action and then hung up on me and fscpa laws do not consist with my case.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-04-02
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. (MI)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022, I received the results of reinvestigation from TransUnion stating that they have verified a XXXX XXXX XXXX bankruptcy on my credit report. According to TransUnion, they verified the account from " XXXX XXXX XXXX XXXX ''. I got a letter from courthouse stating that they do not report bankruptcies to anybody. If that is the case, why will TransUnion claim that the bankruptcy is 100 % accurate. They never did a fair investigation.
Consumer complaint received 2022-09-08
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. (MO)

Hello I am a victim of identity theft. This will be my second complaint with you'll about incorrect item reporting on my credit report. TransUnion reports that I filed Chapter 7 Bankruptcy. I have valid documentations from the U.S Bankruptcy Court stating they are not reporting anything to the credit bureaus. I have a police report number stating I am a victim of identity theft. I have TWO signed notarized affidavit. I have TWO FTC Report Numbers. I have ONE previous report to CFPB. I mailed over a valid Driver License and my Social Security Card. I have made SEVERAL CALLS to TransUnion with NO HELP they even stated on the last call that they would contact the U.S Bankruptcy Courts themselves. I am now in CONTACT with a LAWYER TO FILE A LAWSUIT!!!!!!!!! 


THIS IS THE ONLY CREDIT BUREUA THAT'S REPORTING THIS INCORRECT ACCOUNT
Consumer complaint received 2022-10-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Hi my name is XXXX XXXX in around XX/XX/2022 I applied at some apartments called XXXXXXXX XXXX XXXXXXXX XXXX I paid the application fees they processed my application I was approved. But due to an unexpected tragedy i had to decline there offer. I received all monies owed to them for the application process and I did not sign a lease yet in still I have a debt or collection for XXXX that I didn't have any knowledge of until XX/XX/2022. The debt is also on my XXXX and XXXX Credit Report. I would like a specific and verified breakdown of the services and products that I owe them for. And is the XXXX for because they will not process the application with the application and admin fee paid in full. I'm have also sent a dispute with both XXXX and XXXX by CERTIFIED MAIL, also genesis credit management XXXX will also be notified. 

GENESIS CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX *Phone XXXX Thank you for all your efforts and actions XXXX XXXX
Consumer complaint received 2022-10-23
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: EQUIFAX, INC. (NJ)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-23
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: Experian Information Solutions Inc. (CA)

XX/XX/22 In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-09-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, BANK OF AMERICA XXXX Open Date XX/XX/2005 Balance : {$25000.00}
Consumer complaint received 2022-02-26
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. (NY)

I have disputed this account several times. This has damage my reputation with obtaining credit and so forth. This last time I disputed it Experian updated and deleted the account. DELETIONS IS ADMISSION.

Under 15 USC 1681 ( A ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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.

( 2

) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

They violated all these federal laws and my consumer rights. I am entitled to compensation according to 15 USC 1692K ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

XXXX @ XXXX Deposit check amount {$5000.00} XXXX # XXXX Emergency rental assistance check processed. XXXX XXXX XXXX did phone verification along with XXXX XXXX and noted my account. I was told funds would be available today. available today. Today XXXX at XXXX pm, they printed a piece of paper saying they're holding my check until XXXX. 

There is an automatic transfer of {$120.00} they are authorizing without my permission.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2022-10-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

In XXXX I opened an account with HSBC. After they told me that everything was OK, I transfer all my savings. 

After 2 months they closed my account without telling me anything. 

I called them to have an answer. They told me that they closed the account because I did not reply an email of XXXX asking for personal information. 

THE THING IS I DID reply that email. Even I sent to the bank all the emails and it replied telling me that they received the information. 

THEY CLOSED MY ACCOUNT BECAUSE I DID NOT REPLY AN EMAIL ASKING FOR INFORMATION. BUT THAT IT IS NOT TRUE. I REPLIED THE EMAIL AND SOMEONE DID NOT ENTER THE INFORMATION INTO DE SYSTEM. 

SOMEONE MADE A MISTAKE. EVEN THEY TOLD ME THAT BY PHONE. 

I had XXXX USD. They closed my account and sent me the money by check to XXXX. Local regulations do not accept checks. 

The Bank lies. It says I never replied but I did reply and they replied me back that everything was ok.