davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
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)

Pursuant ro 15 U.S.C.sec 1681. Pursuant to 15 U.S.C.sec 1681c-1 ( A ). I the consumer have the right according and under the Fair Credit Reporting Act ( FCRA ) to have any fraud alert removed. I want the fraud alert that has been placed on my credit file removed. I'm attaching appropriate proof of identity for such purpose.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

On XX/XX/XXXX this company XXXX Credit Card is being reported with the incorrect balance on my credit report which caused my score to drop over XXXX points. I have a {$15.00} balance on this credit Court and this company is reporting incorrectly that I have a {$55.00} balance. I attached a screenshot of my balance and payment history to this complaint. I want this updated correctly immediately as well as this company fined for their violation. I have not had a balance of {$55.00} with this credit card XXXX Credit Card company since XX/XX/XXXX so its incorrect and inaccurate for this company to report the wrong balance which is a violation of my rights under the FCRA And this is causing harm to me
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 instructions
Consumer complaint received 2021-12-24
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

On XX/XX/XXXX this company XXXX Credit Card is being reported with the incorrect balance on my credit report which caused my score to drop over XXXX points. I have a {$15.00} balance on this credit Court and this company is reporting incorrectly that I have a {$55.00} balance. I attached a screenshot of my balance and payment history to this complaint. I want this updated correctly immediately as well as this company fined for their violation. I have not had a balance of {$55.00} with this credit card XXXX Credit Card company since XX/XX/XXXX so its incorrect and inaccurate for this company to report the wrong balance which is a violation of my rights under the FCRA And this is causing harm to me
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

For the last 2 to 3 months, I have been requesting a physical card from my bank, Chime. I receive my direct deposits from my work to this account and need access to my funds to pay bills and make bank transfers. Unfortunately, the bank does not allow you to make instant transfers over {$2000.00} without activating a physical card. I have now placed XXXX orders for a physical card over the course of 3 months and not one has been delivered to me. I have spoken with customer service 3 times, the most recent being XX/XX/XXXX. I was advised a week and a half ago that if my last ordered card was not received by XX/XX/XXXX, they could send me a new one with express shipping. However, when I called today after not receiving my card, AGAIN, I was told that they could not mail it express and that I would have to wait 14 days. This is absurd and unprofessional as I have already been waiting months for a card and can not use my account and my funds as necessary. I have to pay rent on XX/XX/XXXX and have no way of doing so without full and complete access to my account. In addition, most of the customer service representatives I have spoken to are not knowledgeable and are rude and condescending.
Consumer complaint received 2022-05-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

On XX/XX/XXXX I sent credit dispute letters to XXXX, Equifax and XXXX asking to Validate the debt for 4 accounts I saw on my credit report. I did not receive any return communication by mail from them. 
On XX/XX/XXXX I sent another letter letting them know I had not heard from them and I wanted an investigation started on the 4 accounts. I did not receive ay return communication by mail from them On XXXX  I have sent another letter by certified mail letting them know I have not received a reply about the results of the investigation in to the 4 accounts. This is causing a hardship because it is preventing me from buying a home for my family. Very soon we will have to find a new place to live. 
I thought the credit bureaus had 30 days to respond with the results of their investigation. if so they are in violation.
Consumer complaint received 2022-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

Furnishing and Reporting Old Information When your credit circumstances change, your credit report must be updated. If its not, thats a violation. How could some violations occur? 

Reporting a debt as charged off, when it was settled or paid off. 

Account Number : Ending in XXXX Original Creditor : XXXX Amount : {$140.00} Payment Date : XX/XX/202XXXX XXXX Account ID : XXXX Confirmation Number : XXXX
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

I was unaware that I had any outstanding debt at all until in early XXXX, when I learned that I had a {$360.00} outstanding charge on a XXXX XXXX credit card I have had since college. I received zero emails, standard mailings or calls about this balance being overdue, until they sent me an email saying my account was closing for this reason. I called them immediately, paid off the balance in full over the phone that day, and asked them why I hadn't received a single communication about this balance being overdue. They said they had never updated my mailing address and I was on a " do not call '' list, so they were unable to get a hold of me. But they had my email address?! 

My perfect credit score of XXXX suddenly dropped to XXXX over this {$300.00} balance that I was unaware I even had. I asked XXXX Back ( for XXXX XXXX credit cards ) to send a letter to the credit bureaus saying this was an error in communication, but the only thing that has happened besides paying off the balance, the account being closed, is my credit report shows an unresolved dispute with this low credit score. 

Please help!
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom it may concern : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX ( XXXX ) with account number 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Account of concern : XXXX XXXX  ( Collection Account ) Reported on Transunion credit report bearing account number XXXX
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

There are Inquiries on my credit report that are not on my behalf. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: NBT BANCORP INC. (NY)

We took out a XXXX  from NBT Bank XXXX XXXX NY in XXXX. The XXXX  was a variable rate loan at the time. In XXXX of XXXX, we paid a fee to lock in the rate. I saw on our bank statement at the time that the bank took the money from our account to pay fee. At the time, it was 3.5 % fixed. I am not a savvy person ; I expected the bank to do their job. I recently noticed that we are paying a variable rate of 8.5 %. I contacted NBT Bank to see what happened. They said that they don't have record of the fixed rate being locked in, but they can see where they took the money for the processing fee to lock in the rate. I've tried to work with them to resolve the problem, but they are saying that they will not go back to that rate of 3.5 % because that is not the current rate. Even though they can see where they took the money required to lock in the fixed rate in XXXX of XXXX. I've asked if there is something we can do to fix the problem, but they just keep saying there is nothing they can do. 

This obviously, this all happened at the height of XXXX. We were not allowed to go to the bank. So, everything was done by email and fax with the bank. We have emails correspondence between us and the bank in XXXX of XXXX where we were receiving documents from XXXX. The final documents were sent to XXXX via Fax. 

I feel if they lost the documents or didn't fill them correctly, that is not my fault. 

All I want is to have the money refunded to me that I was over charged in interest and the rate locked in at 3.5 % as this is what we paid for in XXXX of XXXX.
Consumer complaint received 2022-05-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Consumer complaint received 2022-07-02
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX Account # XXXX, Has violated my rights. 
XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX  XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX  XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, Has violated my rights XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX Account # XXXX, Has violated my rights. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX ( Original Creditor : XXXX XXXX  ) Account # XXXX, Has violated my rights. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX XXXX ( Original Creditor : XXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-18
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)

In accordance with the Fair Credit Reporting Act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 ( b ) ( 1 ) I didn't give nobody written permission to furnish these accounts to your credit profile.

I have the document attach with the list of accounts I have already disputed these accounts with all three bureau, for other reasons being wrong info, and now about them violating my rights. They continuously deny my federally protected consumer rights over the phone, and say they will not delete these accounts. The last persons I spoke to at Experian ( XXXX ID # XXXX ) and ( XXXX ID # XXXX ) at XXXX, we very adamant and told me the deletion were not happening even after reading them my rights.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX  XXXX # XXXX 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 instructions
Consumer complaint received 2022-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (VA)

After reviewing my credit reports I noticed that you are alleging that the account is Collection without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove this negative and adverse remarks. 

XXXX XXXX XXXX XXXX XXXX XXXX  Balance : -
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank 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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-07-25
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. (FL)

I have submitted disputes to you and I did not get a response within 30 days and you all are required by Law to do so. Please investigate my disputes. Please. Thank you
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Credit Services Inc. (RI)

I called because there was an open account on my XXXX report only, for a collection. The debt balance was inaccurate and was reporting as such. I have paid the original balance with the business and have asked them to delete the account all together due to inaccuracies. They denied my request and proceeded to tell me they wouldnt help me further.
Consumer complaint received 2024-11-03
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. (FL)

XXXX XXXXXXXX XXXX is illegally reporting payment transactions on my XXXX credit report XXXX XXXX # XXXX Past due : 30 Days Date : XX/XX/year> XXXX Account # XXXX Past due : 60 Days Date : XX/XX/year> XXXX Account # XXXX Past due : 30 Days Date : XX/XX/year> XXXX Account # XXXX Past due : 60 Days Date : XX/XX/year> 2022
Consumer complaint received 2022-10-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cooling & Winter LLC (GA)

A debt collection agency named Cooling and Winter LLC placed a hold on our accounts and states they have a judgment against us from 2 years ago. We did not receive notice of the judgment and we have not received notification of a garnishment, however, all of our account including my joint account with my wife have been frozen as of XX/XX/2022 and they have drained the money out of these accounts. We do not have money to pay our bills and the payments that have been sent out are being returned as XXXX.