davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-02
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: Experian Information Solutions Inc. (CA)

I have found inaccuracies in my personal information on my credit report. I have already reached out to the credit bureaus to remove the inaccurate information and they have not replied with status of the investigation or any other update. Per, 15 USC Subchapter III 1681 ( i ), the credit bureaus are to let me know within 5 business days that they are investigating the inaccuracies. Below are the inaccuracies that are to be removed : Names XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Date of birth : XXXX. XXXX Addresses : XXXX. XXXX XXXX CT XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX, APT XXXX, XXXX XXXX, CA XXXX Employers : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX XXXX
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-28
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. (NJ)

On XX/XX/22, I Wrote to you ( Transunion ) requesting a re-investigation and deletion of ACCOUNTS ( listed below, with account number ). Due to there being inaccurate information on them, and because you ( TRANSUNION ) are violating my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

15 U.S. Code 1681b ( a ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 U.S. Code 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

I HAVE NOT GIVEN YOU WRITTEN INSTRUCTION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT.

15 U.S. Code 1681c ( a ) : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : 15 U.S. Code 1681c ( a ) ( 5 ) : Any other ADVERSE item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( ADVERSE : preventing success or development ; harmful ; unfavorable ) I AM NOT ABLE TO DEVELOP OR PROSPER MY FINANCIAL STATUS DUE TO THESE ILLEGALY FURNISHED ACCOUNTS ON MY CREDIT REPORT. 

1. Acc : XXXX Acc # XXXX 2. Acc : XXXX XXXX Acc # XXXX 3. Acc XXXX XXXX XXXX XXXXXXXX Acc # XXXX REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY I Dont understand why Transunion blatantly continues to violate my rights. Especially with something so serious as my reputation.

Transunion says they completed investigations on these accounts and VERIFIED them as ACCURATE.

I am in disagreement with the investigations of the items listed above. I am 100 % certain that there were and still are ( after their INVESTIGATION ) inaccuracies in these accounts. These accounts had inaccurate information on them and Transunion UPDATED THE INFORMATION Instead of deleting them like I requested. I was never provided the proof of the alleged items ( Specifically the contract or any other instrument bearing my signature ). Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
I HAVE NOT HEARD FROM TRANSUNION REGARDING THIS MATTER. 
Together with the complaint letter I sent by mail to Transunion ( which is attached to this complaint ) I attached copy of my ID, Birth Certificate, Social Security Card and Bank Statement to Verify my identity.
Consumer complaint received 2021-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

This debt was removed from other reports but Experian. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX {$330.00} Balance updated XX/XX/2021 2021
Consumer complaint received 2022-06-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (GA)

Started a construction-perm loan with Flagstar Bank in XXXX of this year and was working with a particular loan officer. We had a pre-approval letter based on income even though my wife was currently on worker 's compensation. Part of the loan requirements was for me to pay off the current mortgage on the property. I had several emails back and forth asking that everything was a go before paying off the current mortgage. Got confirmation to pay off mortgage, then everything went south. They replaced my loan officer due to loan processing errors and problems with her paperwork, which has been confirmed and stated to me multiple times. After this, they came back with a laundry list of more documentation that no one would be able to supply or satisfy. They eventually denied the construction loan, even though we were starting the permit process. I tried to reach out to a supervisor to get this handled quickly but no one seemed to be interested in fixing a mistake their employee caused. All I wanted was them to reinstate the original loan and we would regroup. But again, they don't seem to have an interest in returning phone calls or emails. They were deceptive in how they handled this loan application and have caused me to payoff a mortgage XXXX and a half years early.
Consumer complaint received 2019-12-10
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. (FL)

Transunion is reporting incorrectly a medical collection in the amount of {$10000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had insurance at the time and this account should report a {$0.00} balance and therefore there is nothing to report as a collection. This incorrect reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to have this line item removed however, I have not been successful.
Consumer complaint received 2021-01-22
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)

Beginning in XX/XX/2020, I received copies of my credit reports with XXXX, XXXX, and TransUnion. I sent letters to all 3 bureaus asking them to look into an account listed on my credit report for XXXX. I have asked them to verify the information being reported, as it was inaccurate, and I have asked for validation of the debt from both the bureaus and XXXX. Due to the reporting issue, XXXX  has removed this account from my credit report. After five letters to TransUnion and XXXX with no response, this past month they finally listed the account in dispute, but, as noted in the attachment, it states that the dispute is closed and the account meets FCRA requirements however, the account is a charge-off account and they are still reporting a balance as if this is an open account. This clearly does not meet FCRA requirements. After countless attempts to have this corrected, TransUnion and XXXX refuse to look into my request.
Consumer complaint received 2022-06-28
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written consent.
Consumer complaint received 2021-12-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Braviant Holdings, LLC (AZ)

Balance Credit contacted me at the beginning of XXXX XXXX  say that i was in default of a loan. I did not take out a loan with them. When I contacted them, they claim that they gave ( transferred into an account ) someone with my name, social security number XXXX  same bank XXXX XXXX  XXXX XXXX ) & my phone number-took out a loan XXXX  they deposited {$1300.00} into the account on XX/XX/2021. 
They did not have my correct bank account number, nor my correct email address. 
After several harassing phone calls from them they told me XXXX  file a police report-which i did. I will also contact the 3 credit bureaus XXXX  notify them of identity theft XXXX  fraud. 
I am getting ready XXXX  retire. I have worked diligently XXXX  pay off all of my debt other than my mortgage XXXX  a truck payment. I do not need XXXX  borrower any money XXXX  I do not want my credit affected by this unscrupulous lender. I have been greatly inconvenienced by their incompetence of not recognizing fraud XXXX  identity theft. 
I want them XXXX  rectify the situation immediately. They can follow up with the bank of the person they deposited the money XXXX  ( By contact XXXX XXXX  finding out who they sent the money too ). I am considering a lawsuit if not taken care of immediately.
Consumer complaint received 2021-12-08
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: General Motors Financial Company, Inc. (CA)

I am XXXX XXXX XXXX  I am submitting this complaint myself. I have been patiently waiting on AMERICRDT 's 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 XXXX  continued reporting as unverified information which now, given all my attempts XXXX  address it directly with the creditor, as willful negligence XXXX  non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : ( AMERICRDT Inquiry Date XX/XX/2020 )
Consumer complaint received 2022-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MN)

Since XX/XX/2017 I have requested several times for documentation of any contract or written agreement containing my signature from XXXX XXXX of the alleged debt of {$170.00} they say I owe them, and their response is they have no documentation as the account is too old and was charged off. So XXXX XXXX sold this alleged debt to ERC collection company in XXXX, FL.. So I requested the same information from ERC collections and they don't have any and continue to report this alleged debt to the credit reporting agencies. What's funny is I am a customer still with XXXX XXXX which is now just XXXX XXXX  as XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (NY)

For about 4 or 5 days, I and other Comenity Bank consumers have not been able to use our credit cards, access our accounts or even communicate with any representatives due to some unannounced system update that has been going on for days. I wouldn't have known this was occurring if I have not tried to sign in a couple of days ago and checked on XXXX. Their XXXX feed is the only way to communicate with them and they are not providing any info. We are under the impression that they may have been hacked and they are not informing their customers.
Consumer complaint received 2022-06-28
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

I began questioning this organization in XXXX of XXXX  and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
Consumer complaint received 2022-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CO)

Disputed XXXX XXXX XXXX  account multiple times through Experian havent gotten any results come here to provide proof and get these accounts removed from my credit report not fair that its effecting me when i never owned these accounts
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

I have scheduled a payment in the amount of {$170.00} on XX/XX/2022 to be debited from my account on XX/XX/2022. I have attached a screenshot of the confirmation email. Upon returning to the Comenity Wayfair site, it says my account has been closed. I called customer service number and the automated message alerted me that all phone lines are down. I have no way of confirming my scheduled payment and I am worried they will falsely report a late payment to the credit reporting bureaus.
Consumer complaint received 2022-10-12
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-20
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. (GA)

XXXX  have authorized 37 inquiries to show up on my consumer report without my permission and I tried to report it and they wouldn't help. 
I paid over XXXX to fixed my credit and XXXX make it hard to take any off and according to consumer law anything reporting to my credit without my permission has to come off and they won't follow their own law.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Repeated complaints in writing have only partially resolved the issue with the Capital One credit card company. Capital One has previously admitted in writing that it can not establish that the card holder authorized the contested transaction. Previous complaints contesting the fraudulent charge, fees, interest, and requesting the account be closed resulted in reversing the charge and interest and fees, but then new cards were issued without authorization or request of the card holder, and the fraudulent charge plus interest and fees carried forward in newly created accounts. After more complaints of this unfair business practice, the original charge was credited to the currently still-open account and some of the additional fees and interest based on that original fraudulent charge were reversed, but not all ; the account remains open with a balance consisting of fees and interest based on the fraudulent transaction. The card holder has repeatedly requested in writing that the balance be reduced to XXXX and instructed Capital One to close the account and not issue any more cards. But the card holder is continually harassed with monthly statements seeking payment of a balance which is illegal, because credit card companies may not seek collection of fees and interest on fraudulent transactions. The most recent statement dated XX/XX/2022 shows a balance of {$490.00} WHICH IS ENTIRELY FEES AND INTEREST accrued on the reversed fraudulent transaction, plus another interest charge on that balance of {$9.00}. Essentially, Capital One attempts to extract from the card holder fees and interest that are not owed, which by law can not be collected, and persists despite repeated protest and complaints. The author of the complaints and correspondence is an advocate, a licensed attorney, who has been assisting the card holder pro bono because the credit card company is outrageously attempting to take advantage of a hard working honest immigrant with this unscrupulous business practice.
Consumer complaint received 2022-06-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-06-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (VA)

y husband sent me {$570.00} for bills and food Etc through venmo app I was promised it would be there XX/XX/XXXX XX/XX/XXXX came still no money then I received a email stating that they could not send me my funds to my account because they needed to verify who I was my identity so I gave him my driver 's license sent it via email cuz the only way that you can speak to these people through the account specialist Department which is who they routed me to supposedly is through email so I give them everything they need plus I also send on my social security card cuz they said that the ID may not work so I sent them that just in case they had everything they needed you have to wait 5 to 7 business days for anyone in that department to get back to you so I wait and I'll wait some more so I finally call back find a 1-800 number to their customer service department I called the customer service department and they tell me they can't help me that I have to go through the email that they sent me from the beginning and that that's the account specialist Department they say everything looks good they should be contacting you to release your money days go by call my email still nothing then I get an email saying that they froze my account because some crazy reason why they froze my account that they needed to my other account information so I give him my other account information and that still wasn't good enough so then my husband tried to call and they freeze his account also we tell them just give him back the money you know whatever now they're telling me that they are going through loss prevention and it's going to take another hundred and eighty days for them to decide whether or not they're going to release my money to decide whether they're going to release my money that money took him three minutes to send to me and have taken almost a month for me to even receive it this is absolutely unacceptable an absolutely ridiculous that they would even have somebody do this and for them to treat their customers this way this place should be shut down they are absolutely ridiculous and I've got all my emails to prove I've done everything I could to get my money thru them I know im not the only one that this has happened to they have over 1200 complaints on XXXX XXXX and I just need my money back
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MI)

I have tried to communicate with XXXX credit card and I continuously receive the run around. I called and spoke with a rep on XX/XX/2020 at around XXXX. I had recently closed my account but, someone that account was still reporting. After researching the information XXXX stated that I should have been informed about whatever the payment cycle is and something regarding paying before the due date. I can't remember exactly what he said. So after the discussion of the account the late payments were going to be removed. That has not happened as of today.