davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
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: Experian Information Solutions Inc. (SC)

I previously submitted a dispute to the CFPB, XXXX, XXXX, EXPERIAN, and XXXX requesting inaccurate information to be removed from my report. I expect a thorough investigation and for all reporting information be to the MAXIMUM accuracy. According to my consumer report XXXXXXXX XXXX and the credit bureaus are reporting this account as charge-off every single month. The problem with that is the account was only charged off once not three times as reported which makes that VERY inaccurate and detrimental to my consumer file and financial capabilities. It is also a violation that I have continued to ask for for fair credit reporting and all above parties have neglected to do their due diligence. XXXXXXXX XXXX has made claims that they can not produce the original application for this account which I am entitled to have to be able to dispute fairly and accurately. I have attached proof of the negative reporting and would like the error to be fixed. XXXXXXXX XXXX has aLao been sent a Debt Validation certified mail and has failed to respond in a timely manner. Also, lets be clear a telephone number alone without solid proof is not enough to verify an account to say that it is indeed mine which was stated in the previous complaint filed. This is my final request before taking legal action for violation of my consumer rights according to 1681 ( b ) as well as the FCRA. This issue has caused me severe stress and XXXX
Consumer complaint received 2022-09-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am submitting this because, the XXXX credit reporting agencies did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading, inaccuracies on my report. This is keeping me from obtaining credit.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-09-16
Product: Credit reporting 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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

XXXX XXXX XXXX was in charge of my student loan. It then got transferred to XXXX  because they took over for the government on servicing loansXXXX XXXX XXXX XXXX  is reporting that my account is more than XXXX delinquent ( I have NEVER been delinquent ). I spoke to them about this issue and also disputed it with the credit reporting companies in XXXX. It was never fixed. Now I can't get ahold of anyone at XXXX XXXXXXXX XXXX. The line rings busy. Both transunion and XXXX refuse to remove it from my report but I had never been late.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (NC)

I have had money in the spending account available since XX/XX/XXXX of XXXX  I previously had some transactions on this spending account that were not authorized and initially they were disputed and then denied eventually my account was frozen because I believe they thought it was suspicious activity. Its been well once over now and they gave me the money back, officially said they resolved my favor, but will not give me my money back. Ive asked her have explanations and people just kept telling me that they needed to go to another department reached out about definitely more than XXXX times and Ive been told that it was gon na be escalated. Someone would reach out and no one ever does. I always get the same automated script just to be told that it needs to be escalated. I have {$380.00} now and they will not give it back. I need it refunded. I cant add any debit cards to work all the money. I cant bank account with any money, and no one is giving me any information
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2024-10-17
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: Experian Information Solutions Inc. (GA)

I just received a letter from your company stating that the item I disputed has been up-dated with new information. Well, after carefully looking at my credit report, I dont see what has been updated, and I dont think that was the reason for my dispute. Im a bit confused here. Please tell me what has been updated? For example, has the balance on my account changed? Was the late payment indication on my account removed? What has been updated? If your company cant fully disclose what has been updated, then I need you to re-investigate the item that I disputed. 

XXXX XXXX XXXX Each day your company refuses to investigate the incorrect item is causing me stress. Im asking you for a second time to please investigate the negative accounts listed above. 
I think 30 days should be long enough for your company to complete this investigation.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

In XXXX of 2022 I requested validation of debt for several companies all of which could not provide and therefore the accounts were to be removed from my credit report. All three bureaus didn't remove so I submitted a letter in XXXX of 2022 which has been ignored and none of the issues were removed. 

In addition all 3 bureaus are allowing multiple companies to restart the date by reporting charge off every single month for years. I've submitted letters outlining this and they have been ignored.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXXXXXX XXXX. 
LAST NAME : XXXX. 
DOB : XXXX  NSS : XXXX SECURITY FREEZE
Consumer complaint received 2024-10-16
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 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 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I received my Capital one card around XX/XX/XXXX and activated it but was restricted. I have emails that can verify this. The company asked me to send documents XX/XX/XXXX, they did not specify that I should send the backpart of the document so I needed to send it after calling last XX/XX/XXXX. Then the wait time which was 10-15 days. I call them again saying that they needed to verify new documents which they did not specify the first time so I sent these again. I called again after 12 days then asked me to send new documents for my husband which they did not specify the last time, this was sent XX/XX/XXXX. They said that an agent called but I did not pick up so they said they informed me about it. I told them what do I have to do again. So I need to send new copies of my husbands documents which was the same documents I sent the first time this was XX/XX/XXXX. I got a mail that if I did not send the documents then my application will be cancelled. At this point I want it to be cancelled already but my credit score already reflected that I opened an account in Capitalone. I called After 10 days asking if they received the documents last XX/XX/XXXX. They said they did but that they will be calling me and not to call them anymore. I called them again XX/XX/XXXX and they told me that there is nothing to be done to the account and that it is what it is. I can not talk to a supervisor because they can not have me talk to one. If I call back they will just give me the same information. I tried XXXX. The same script was given. This is so frustrating, not only is this wasting my time but it also has taken toll in my mental health. It is so stressful. This is not my only credit card. I really dont mind cancelling, this but 3-months of stress is not worth it.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AE)

This is a continuation of previous complaint ticket number : XXXX, Bank Representative sent me an email, then he has not responded, I emailed Him daily almost and called and left a message, I am still not able to access my checking account. Problem has not been solved. 

previous complaint description : Unable to access my account for over a month, still waiting for a PIN NUMBER they said was going to be mailed out to my XXXX XXXX> address since XXXX XX/XX/2022 ... ... after more than a month of waiting, I am still unable to access my on-line account due to excessive information requirements and lack of alternate ways to provide me access to my basic checking account on-line. Although I have been 3-4 hours waiting for Service Representatives and gone through their 100 % authentication procedures and having them confirmed 100 % it is me who wants access to my account, still they have led me to no solution to my PROBLEM in trying to access my account. I am stationed in XXXX on a XXXX tour and bank of America has no ATM or bank branches here that I could easily access my account. Their customer representatives some of them are straight unpolite and unhealthfully awful to customers like me XXXX XXXX and unable to just drive to a Bank of America branch and get one-one help. Today XXXX XX/XX/2022, I still have not received a PIN for my checking account ATM card which they now require as to be able to log into my on-line account. Before, Bank of America required only an authentication through my email or direct text massage to my telephone number, but someone added a PIN NUMBER requirement to the on-line authentication. I have tried time and time over talking to a Service Representative numerous times throughout last 3 months about giving me a way into my account once they verified that it is my the owner of the accoun on the line... .everytime, they tell to wait for my PIN NUMBER... .that PIN NUMBER has never arrive ... ..Thanking you in advance for all they help you can do to help me while XXXX  and unable to check my checking account .... I have been with bank of america for over 15 years and can not understand why they are treating me this way .... XXXX XXXX XXXX, my XXXX cell number XXXX XXXX XXXX XXXX, and my email : XXXX XXXX
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA (VA)

I received a past due notice from Apple Card. I have never had nor do I currently have an Apple credit card. I telephoned the Apple Card specialist and gave them my information. The card has been stopped and now I am reporting it here and with the Virginia Police Dept. I had no awareness of this card until I received the past due notice, post marked XXXX XXXX, 2023. The email address on the card ( as referenced on the card ) is not my current email.
Consumer complaint received 2024-10-22
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Clarity Debt Resolution, Inc (NY)

I signed up with Clarity Debt Resolution at the beginning of XXXX as I was drowning in credit card and personal lo had exhausted my savings and was desperate for help. They promised to settle my debts quickly at a " fraction '' of the price. Six months later and they have only settled one debt and the settlement amount was for 70 % of the original debt. They then charged nearly {$5000.00} in fees which means Im still paying the same amount for the debt. They have not returned emails. They never disclosed that I would be paying XXXX of dollars in fees. They have been harassing me to sign up for some prgram that charges additional monthly fees. They were very aggressive and pushy. I had saved about {$5500.00} in my account with them and its all gone and only ~ {$650.00} has been paid towards my debt. I was scammed. I want my money back. I would be better off settling the debts myself. I originally signed up for this program on XX/XX/year>. I began paying {$730.00} per month after initially making XXXX payments in XXXX of {$730.00}. All of my credit cards have been closed, which they promised me would not happen. When I inquired about this I was told " Don't worry. They will send you more cards ''. I reached out to the company in XXXX when I noticed that not a single debt had been settled. I emailed XXXX XXXX who was the representative I signed up with. He emailed me back once and told me " It doe n't usually take this long '' and that he would " reach out immediately ''. That was the last I heard from him. I have sent 2 other emails to him since and have not received a single reply. I then sent an email to general customer service last week and received a reply from them telling me to reach out to my representative. My credit went from XXXX to XXXX. They told me this wouldnt happen. That everything would be resolved quickly and that my accounts would stay open and my credit score would quickly rebound. None of this has happened. This has reuined my life. Now I'm not able to pay my bills and my credit is shot. I have a kid applying for college and I can literally do nothing to help him with loans, etc. I feel so helpless and lost. My accounts have racked up XXXX of late fees and charges. I so deeply regret my decision. I feel like I will never recover from this. I have never been so financially unstable in my life.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I am REWRITING to formally resubmit the complaint to EXPERIAN regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (FL)

PNC has not reported my payment status correctly for months. I explained that I had XXXX  and then I submitted a form for automatic payments. They didnt accept the payment method and sent me a ridiculous letter, that I never received. I heard about the letter once I called the bank after my account was not debited. This bank is falsely reporting against my credit.
Consumer complaint received 2024-10-16
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: Experian Information Solutions Inc. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.