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

Every month of 2022 I have notified both TRANSUNION and the creditors that the accounts are not my accounts and was open fraudulently with out my consent. I provided evidence and documentation multiple times each time trans union did not accept my documents because of color as i was told by customer service multiple times TRANSUNION has police report also. I requested a proper investigation and validation be done all was pass 30 days i have not received a response or update with deletion of inaccurate derogatory marks being reported by TRANSUNION.
Consumer complaint received 2022-07-08
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX 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 719XXXX has me at a score around 590. 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-10-10
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. (MO)

I am writing to express my concern about the disputed accounts on my credit report. Despite raising these inaccuracies several times and requesting thorough investigations, I have yet to receive a resolution or any corrective action. 

These erroneous accounts are causing significant damage to my credit and hindering my ability to live normally. The ongoing impact of these inaccuracies has led to serious hardships, and I urgently seek your assistance in resolving this matter. 

I kindly request a comprehensive investigation into each of the disputed accounts. It is vital that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial situation. 

I urge you to prioritize this issue and take prompt action. Your cooperation in resolving this matter swiftly would be greatly appreciated. 

Thank you for your understanding and assistance.
Consumer complaint received 2022-11-18
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. (FL)

I noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2021-10-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (GA)

I have been receiving rude and threatening call from National Credit system regarding a XXXX XXXX XXXX XXXX. I never signed certificate and no one at the apartment complex explained anything to when i signed me lease concerning a XXXX XXXX. XXXX XXXX XXXX has refused to dispute this charge with XXXX XXXX and per Fair Credit Act they have to dispute if one is not agreeing with the bill. XXXX from National Credit System has called me multiple times after I have asked her not to call me but send everything in the mail. She refused to honor my order and this is not right. She has violated my rights and I will be filing a sue with XXXX County Courts for harassment after I've asked her not to contact me via phone after the very first rude call. XXXX, National Credit System representative has yelled and was very rude and stating I do owe it. These people are monsters and very rude. I wish Consumer Financial Protection will investigate and shut these monsters down. Also, XXXX stated they would put this account on my credit file. This is rude and disrespectful
Consumer complaint received 2022-11-18
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)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX  XXXX XXXX Balance : {$3300.00} ; XXXX XXXX  XXXX XXXX XXXX : {$7300.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXXXX/XX/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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I recently disputed an account that is listed on my Equifax credit report, but Equifax continues to claim that it is my account, even after an " investigation. '' I have tried to contact the credit card company directly ( XXXX XXXXXXXX ) but can not get through their system because I don't have the full account number and they don't recognize my SSN ( because it is not my account ). I was unable to get through to a live person at XXXX XXXX. The account that is listed on Equifax has a balance owing of {$7600.00} and a credit limit of {$14000.00}. It was opened XXXX XXXXXXXX XXXX Payments on this account are being made by someone, not me. I want the account removed from my credit report and I want XXXX  XXXX to clarify/correct the contact information so it does not get mixed up again. I would also like to know how this error happened and if it is someone who shares my same name, or what exactly has caused the error. Thank you very much for your assistance.
Consumer complaint received 2022-08-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (FL)

I attempted to file this with the FTC, but they kept kicking me over to you. I do not have a mortgage with them. this is about deceptive advertising. I'm a XXXX XXXX XXXX and would like to file a complaint against the deceptive advertising of NewDay USA mortgage company. They are advertising for a cash-out Refinance, get {$60000.00} cash-out and also reduce your monthly mortgage payment by {$600.00}. This is impossible. Especially with the higher rates, and adding in another XXXX  XXXX fee charge. Just a bait and switch tactic The ads run daily on TV and on their website. 

It's a sad day when a veteran owned company ( that's what they also advertise ) takes advantage of our XXXX XXXX military and veterans. Their lives are already hard enough without being taken advantage of by a mortgage company. VA foreclosures are high enough without this kind of nonsense. This is just setting up failure! 

hXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-13
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: Convergent Resources, Inc. (NJ)

I've reached out to Convergent to ask them to do a complete investigation of a credit report item relating to XXXX. They responded saying that they've done a complete search and that it's accurate. I am not saying it's not accurate, but I'm not sure, and I'm asking if someone else with a professional eye could look and see if it is accurate.
Consumer complaint received 2021-03-26
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: I.C. System, Inc. (OH)

Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to I C SYSTEM COLLECTIONS # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to I C SYSTEM COLLECTIONS # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization.
Consumer complaint received 2021-04-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TX)

At the beginning of XX/XX/2020 I was contacted by XXXX XXXX XXXX who claimed I owed money to my old apartment complex ( XXXX XXXX XXXX Apartments ). In fact, I had not been contacted by my complex despite them having my cell phone and email address. 
I called the complex and they verified that they had filed with the debt collection agency, and that the security deposit I gave them on move in was not applied to the amount. The security deposit ( I had the option of {$400.00} refundable or {$200.00} non-refundable ) was actually " just a fee '' even though this was not what I was told when I paid it. I was told it was a security deposit and would be applied to any damages on move out. 
The apartment complex claimed that I was responsible for paying for carpet cleaning and general maintenance services however they did not have receipts of such services rendered and did not have this information written into my lease. XXXX XXXX XXXX XXXX intentionally sent a {$220.00} charge to collections ( without using the {$200.00} nonrefundable deposit I gave them ) in order to intimidate me into paying an extra fee, I did not owe, or face a credit score reduction.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Corp Solutions Inc. (PA)

Credit Crop is reporting I owe them a total amount of XXXX dollars. After numerous attempts to contact the agency and ask for debt verification and debt validation as well as a sign contract with this agency ( which they were unable to provide ) but instead sent a bill from XXXX. I have reached out to the credit agencies and I am not getting any responses to the discrepancies on my credit reports are reporting inaccurate information as I have never had an account or signed contract with this company. 

This account has come back verified but what actual proof did they verify because they still did not provide a contract I have specifically with this company. I reached out to this company over 30 days ago and have yet to receive a response from anyone.
Consumer complaint received 2022-12-30
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. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY (DC)

I have had two Fraudulent charges on my account with Wells Fargo in the last 6 months. One of them was made before I had even activated the replacement card from the first fraudulent charge. The credit card itself was not in my possession. One fraud charge is understandable, mistakes happen but two so close together especially with a glaring red flag like the card not being activated is inexcusable.
Consumer complaint received 2021-09-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (VA)

I took a personal loan of {$20000.00} from my local and personal branch of Wells Fargo Bank ( XXXX XXXX  XXXX, XXXX, VA ) in XX/XX/XXXX for 48 months. Even though I had a " very good '' credit score, I agreed to Wells Fargo 's 13.49 % interest rate. The first payment of {$460.00} began on XX/XX/XXXX. At the origination of the loan, I was told that I could make extra payments toward the principal once the monthly payment was satisfied. My plan was to strive to discharge the loan earlier than the four years. I have never defaulted in my payments. During the first 4-5 months in the life of the loan, I made substantial payments toward the principal. No interest was levied on the amount that was designated toward the principal. Also, notice in the attached payment record that Wells Fargo charged me more interest during the initial few months when I started making the monthly payments. I assumed that was normal as the interest was levied on the initial {$20000.00}. Out of the blue, I received a letter from Wells Fargo indicating that beginning XX/XX/XXXX, I would no longer be able to make principal only payments without interest being charged even after satisfying the regular monthly payment of {$460.00}. I called the loans department a couple of times to register my displeasure at this new policy, which was being forced on me. I would not have signed for the loan if that was included at the origination of the loan. The lame excuse given was that some customers were not able to make their payments and this was to help everybody ( really? ). I further met with a banker at my branch to discuss this new rule with no satisfactory resolution. I am only asking Wells Fargo to stick to its initial agreement with me in respect to being able to make principal payments without any interest after honoring the regular monthly payments. This bank is known for its predatory lending practice against ordinary citizens. I'm a disaffected customer. Thanks, XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-12-09
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. (ID)

on XX/XX/XXXX I purchased an animal from XXXX using my Citi credit card. Shortly after purchase and within XXXX posted live pet warranty period the pet passed away. 
I attempted to claim the pet warranty within petcos own posted policy and was turned away at the local store on XXXX separate occasions. The first occasion the employee on duty said that they were " to busy to deal with me at that time '' and flat out refused service on my second attempt. So I filed a billing dispute with Citi. Citi posted a provisional credit on out XXXX. However on XX/XX/XXXX I receive a notice that XXXX responded to Citi " the service was rendered to you as described at the time of sale '' so Citi has reversed the credit and will close the investigation with the info they have unless I can send proof otherwise... 

This does not in any way address the original billing dispute, the only option that I have to respond is by mail or fax and I can not include any sort of photos because Citi 's system apparently does not support that ( according to the document they sent me ). And at no time did anyone from Citi reach out to me to even discuss anything or request any info from me before just randomly closing the dispute on a generalized statement from the company that does not even apply to the issues at hand. 
Citi is not even attempting to investigate their billing disputes in good faith and I believe that they are violating my rights in their negligence.
Consumer complaint received 2022-12-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (MI)

CAINE AND WEINER has stolen my identity and is defaming my character by furnishing fraudulent information to consumer reporting agencies. I do not now, nor have I ever had any contract with CAINE AND WEINER.
Consumer complaint received 2022-12-30
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: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX 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 2024-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/year> I spoke with USAA to establish the timeframe a credit dispute may occur, they assured me there was no time limit. I submitted information regarding disputed charges on XX/XX/year>. The timeframe stated to review documents is 48 hrs. I called and spoke with USAA on XX/XX/year> to determine the document status and why they had not been reviewed but USAA had begun to make determinations regarding the disputes. Again I communicated with USAA on XX/XX/year> as to why the documents had not been reviewed, I requested escalation to a supervisor or XXXX, I was met with hostility and resistance by the employee.
Consumer complaint received 2021-10-19
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)

On my XX/XX/2021 credit report, DEPTEDXXXX has added a Late Mark on my credit report per XXXX and TRANSUNION. Upon further research, this account has no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not verify the debt and anybody can send a bill and say its mine. I have sent 5 rounds of dispute, asking for verification of these Late Payments, but I never received any response. According to FCRA, DEPEDXXXXXXXX  has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2021-04-09
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: Experian Information Solutions Inc. (AL)

In XXXX and XXXX of 2021, I filed a dispute with this credit reporting agency about the unverified collections accounts : XXXX  XXXX XXXX Account number XXXX -- XXXX XXXX account # XXXX and XXXX Account number XXXX. I requested a removal of these accounts for 30-days non response which is a violation of the FCRA. In those 2 months I have asked several times for a response and I have not received anything from this bureaus. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you