davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
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. (MO)

I am submitting this complaint in regards with the Credit Reporting Agencies incompetence and non-compliance with their job and the FCRA regulations. I was frustrated to see that the Credit Bureaus have been doing nothing to correct my Credit Report from erroneous reporting. I have been sending dispute letters to the Credit Bureaus from XX/XX/2022 to XX/XX/2022 requesting that the Credit Bureaus correct the information being reported on my Credit reports and yet they have not responded to my written requests. Is it that hard for the Credit Bureaus to update and correct the information from my Credit file? Every time I take a look at my Credit Report, it is clear that the information being presented are OUTDATED AND INCORRECT which caused misleading of information. For a long time already, the Credit Bureaus have failed to conduct a proper verification of the items and continued reporting! It is just absurd to think about it. The Credit Bureaus were provided by federal law to conduct proper investigation and respond to my letters within the time allotted in which they have failed to do. I am now submitting this complaint to request not the correction nor update but the COMPLETE REMOVAL OF THE DISPUTED ITEMS FROM MY CREDIT FILE : 1. XXXX XXXX XXXX XXXX XXXX, MO XXXX 2. XXXX XXXX XXXX, MO XXXX 3. XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} 4. XXXX  XXXX XXXX Balance Owed : {$490.00} 5. XXXX XXXX XXXX Balance Owed : {$10000.00}
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted a dispute about my XXXX XXXX loan because they are closed and XXXXyrs have passed. When I recieved an update from Transunion I found that they re opened a closed account without any notice, which dropped my credit score 19points. The drophas ruined the chances of getting transportation to work. Please reverse what was done.
Consumer complaint received 2022-06-23
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. (CA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



TransUnion Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-09-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am XXXX XXXX and XXXX submitting this complaint myself and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, checked my credit report today on XX/XX/XXXX and discovered that TRANSUNION at XXXX XXXX XXXX in XXXX, PA XXXX placed a fraud alert on my credit report without my consent.
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

At the beginning of XX/XX/2022, I lost my wallet and immediately locked all credit and debit cards before ordering replacement ones. On XX/XX/2022, I received my replacement Barclays XXXX XXXX. I activated the card and unlocked it. 
Immediately after doing this, XXXX transactions that I did not recognize or authorize appeared on my balance. The vendors were XXXX XXXX XXXX for {$14.00}, XXXX # XXXX for {$4.00}, and XXXX XXXX XXXX  for {$210.00}. I called Barclays immediately to report fraud and they sent another replacement card. On XX/XX/XXXX, I received a letter from Barclays stating that they found the charges valid due to " chip card technology was used, which can not be counterfeited. '' After calling their fraud department to once again report that I did not make these purchases, they requested that I file a police report to share with them. I have attached a copy of the transactions from my balance, as well as the police report I shared with them. 
I also placed a fraud report on my credit report and submitted a claim with XXXX to ensure Barclays I did not make these purchases, and have attached copies of those as well. 
After receiving these documents on XX/XX/XXXX, Barclays started another fraud investigation. I have now been sent no updates and have now called twice to inquire as to any findings. Both times, the person I spoke to said there have been no updates and when I asked what's been done in terms of investigating, they gave no clear answer. So, I do not believe they are actually investigating the fraudulent purchases. Due to how long it's been, I've had to pay the minimum pay due amount in order for there not to be an impact on my credit score. These purchases have also accrued interest that I will be responsible for.

I don't feel that Barclays has taken this issue seriously, and is hoping to leave the " investigation '' open until I end up paying off these charges or leave them to harm my credit score. I'm especially irritated as these charges came simultaneously immediately after I activated my new card. I'm not sure how this even happens as I had just received the new card so the number shouldn't have been available for anyone to use.
Consumer complaint received 2022-07-26
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)

This is my third complaint about XXXX, Experian, and XXXX for not meeting Metro 2 Compliance or E- Oscar Protocol when verifying collections on my credit report. The Credit Bureau stated that my accounts were properly investigated Complaint # XXXX. This was a false statement by the credit bureau because the date opened is inaccurate and the date last active is inaccurate. And some of the collections account are the same account under to different names. Some of the collections accounts are still receiving payments beyond the last date of activity. 
1. XXXX XXXX Acc # XXXX. The date opened is inaccurate, the date last active is inaccurate across 3 all credit bureau. On the XXXX  report the last date active has been reaged. These inaccuracies grounds for removal from my credit report. 
2. XXXX Acc # XXXX. The account type is inaccurate, the account status is inaccurate, the date opened is inaccurate, the date lasted reported is inaccurate and the last date active is inaccurate across all 3 credit bureau. These inaccuracies grounds for removal from my credit report. 
3. XXXXXXXX XXXX XXXX  Acc # XXXX. The date opened is inaccurate, the high credit is inaccurate, the date last reported is inaccurate, and the date last active is inaccurate. Acc # XXXX. The date opened is inaccurate, the high credit is inaccurate, the date last reported is inaccurate, and the date last active is inaccurate. On the Experian report the date last active has been reaged and this account is also being reported under XXXX Acc # XXXX. These inaccuracies are grounds for removal from my credit report. 
4. XXXX XXXX Acc # XXXX. The date opened is inaccurate, the high credit is inaccurate, the credit limit is inaccurate, and the date last active is inaccurate. These inaccuracies are grounds for removal from my credit report. These inaccuracies violate my rights under 15 U.S.C 1681 Section 602 A. States I have a right to privacy, under 15 U.S.C 1681 Section 604 A, Section 2. The consumer reporting agency can not furnished a account without my written instructions. 
I am factual disputing the accuracy of all these accounts.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The is a balance of XXXX on my credit report and trans union did not remove it after putting in a dispute the amount is being reported from an apartment complex they should not be charging me any money
Consumer complaint received 2021-11-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP (FL)

on XX/XX/XXXX I received a debt collection letter from a XXXX XXXX a attorney at LINEBARGER GOGGAN BLAIR & SAMPSON, LLP stating that they are " attorneys at law '' and that " at the time no attorney with that firm has personally reviewed the particular circumstances of my account '' I find this false and misleading pursuant to ( 15 USC 1692e ( 2 ) ( a ) - ( 2 ) The false representation of ( A ) legal status of any debt ) they have also failed to comply with my previous request for documentary evidence sent XX/XX/XXXX tracking # XXXX delivered XX/XX/XXXX
Consumer complaint received 2022-07-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (FL)

My former employer was contacted by MCM collections in regards to a past debt which I attempted to resolved with a prior debt company and I wasn't successful. However, the debt was sold to MCM collections and they contacted my previous employer on XX/XX/2022, about my whereabouts to attempt to collect on a debt that is past the statue of limitations. I advised them that I don't want any contact and they violated my rights for no employer contact. This is a form of harassment and poor debt practices that caused me dispersity and anguish of embarrassment with my former employer.
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)

This complaint is regarding the reinvestigation of the information I disputed on my investigative consumer report. You claim the information on my investigative consumer report regarding the account ( s ) I disputed is verified as accurate. I want the description ( s ) of your reinvestigation. The consumer report you prepare for me shall follow reasonable procedures to assure maximum possible accuracy of the information concerning me Pursuant to 15 U.S. Code 1681e ( b ).

Your procedure ( s ) is insufficient regarding a fair, accurate, equitable, confidential, reasonable reporting of me pursuant to 15 U.S. Code 1681a ( e ). Congress finds that you are to have accuracy and fairness of credit reporting and reasonable procedures pursuant to 15 U.S. Code 1681 ( a ) and15 U.S. Code 1681 ( b ) of the Fair Credit Reporting Act. From your reinvestigation, my investigative consumer report did not include information on my character, general reputation, personal characteristics, or mode of living obtained through personal interviews with neighbors, friends, or associates of me or with others with whom he is acquainted or who may have knowledge concerning any such items of information. In fact, from your reinvestigation, my investigative consumer report only included information on my credit record obtained directly from a creditor of me when such information shall not be included in an investigative consumer report. You evidently violated the FCRA!!

I WANT THE NAMES AND ADDRESSES OF ALL NEIGHBORS, FRIENDS, ASSOCIATES, ETC. THAT YOU SPOKE TO SINCE YOU INVESTIGATED THE ACCOUNTS ON MY CONSUMER REPORT AND VERIFIED IT AS ACCURATE. Because Congress says in order for you to have conducted an investigation you had to have spoken to neighbors, friends or associates, etc., and if you spoke with them the information provided can not be factual.

With this complaint is the confirmation that you received my correspondence via mail.
Consumer complaint received 2022-07-25
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a 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 Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-01-29
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. (NJ)

N accordance with the fair credit reporting act XXXX, XXXX XXXX XXXX, XXXX 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 2021-02-26
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: Atlanticus Services Corporation (GA)

Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Fortiva a request to block a fraudulent account that is being reported on my credit report. The account in question was not opened by me nor did I benefit from it being opened, it was opened as a result of identity theft. The request was sent via certified mail recorded delivery. The company has not responded to any of my letters over a 6 month period.
Consumer complaint received 2022-12-15
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having bankruptcies on the dates you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

Bankruptcy XXXX XXXX Date Filed XX/XX/2020 XXXX XXXX XXXX
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital one is going to be losing a decade long customer due to deceptive practices. They are unwilling to assist even during Coronavirus. 

I have a Savor Rewards card. When I signed up for this card, all of the documentation I read stated that I would have 0 % interest for 15 months .After 5 months of having the card, I discovered that I have been being charged hundreds of dollars in interest. Upon speaking with support, they told me I have a " Savor '' card and 0 % APR is only for " SavorOne ''. Savor One is the card I thought I was signing up for and the card I XXXX  the application form for. I would have never carried a high balance like this if I knew I would be being charged interest before the 15 month period was up. The cards are nearly identical and even have identical designs. 

Phone support refuses to move me to Savor One and transfer my balance to get me into the 0 % APR platform. Even though I have been a valued customer with no missed payments for over a decade and excellent credit, they refuse to budge. 

I am not asking for a lot here and am already really hurting because of the Coronavirus, but now I am literally going to be out THOUSANDS of dollars, due to interest charges that I never thought would be there. 

I don't want to close my accounts and transfer all of my balances out of here, but I am being left with no other option, For a company that says they are offering assistance during the Coronavirus, this is truly disgraceful. 

Looking for some compassion and understanding here. I am not getting it from phone support. 

Let me know what you can do. 

Thank you for your understanding.
Consumer complaint received 2022-07-25
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)

The credit bureaus stated my account was properly investigated, but how is that possible if they're inaccuracies? The Date Last Active is inaccurate, and Date Last Reported is inaccurate. The Credit Type is inaccurate, The Account Status is inaccurate, The Payment Status is inaccurate, The Late Payment Status is inaccurate, and the Account type is inaccurate. This is grounds for removal in addition to violating my rights under : 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 an account without my written instruction.
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I submitted a letter to the XXXX and TransUnion Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complain, and I'm including it again. XXXX XXXX XXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

I disputed CONNS CREDIT CORP account on my credit report and asked for a contract. XXXX and the creditor opened this account and reported this account late. It took dropped my credit score by XXXX points and my on-time payment went from XXXX percent to XXXX percent. The company can not falsify the status of this account and change the statues from closed to open if the account is closed. 

Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years. 
Section 392.307 of the Texas Finance Code This section of the law, introduced in 2019, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. 
Title 12, Section 1006.26 of the Code of Federal Regulations New rules from the federal Consumer Financial Protection Bureau prevent debt collectors from suing or threatening to sue over time-barred debts.