davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
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. (MD)

I have been attempting to get a mortgage refinance since XXXX. I believe the system has treated unfairly. My credit score was a XXXX in XXXX of this year and I owed XXXX in debt. Now I don ; t owe anywhere near that I am still being harassed. As soon as I clean up one thing the XXXX put more on. 

I have all you can see many complaints and I am tired of complaining! All it does it hurts my credit score. Whats Fair about that? 

I had planned on purchasing a automobile after I refinanced my house but the bureaus want to control when you even do that, I am a XXXX XXXX XXXX. My credit usage depends on what is going on in my XXXX XXXX XXXX. But no bureaus won't report the true activity. In this case I sold a property and have to relocate the contents of the home elsewhere. Hence, HIGH USAGE ON MY PERSONAL CARD WHICH IS REALLY USED FOR BUSINESSS! 

The house has sold and so with the proceeds I will pay the bill in full. I guarantee you if I look at my report someone will have reduced my credit limit for no reason except the but hole creditors made it appear unusual. What's Fair about that. 

I applied for a Auto Loan and got approved first for XXXX at 6.14 84 months then got quoted XXXX 9.39 interest 72 months XXXX and the last time XXXX 6.64 for 84 months XXXX. Whats Fair About that? Same Accounts different bureaus
Consumer complaint received 2022-05-31
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

On XXXX I made my car payment of {$410.00} on the XXXX website. 
This date is before the 30 days late point. The payment was accepted and everything looked fine. A week or so later I was contacted by the bank saying no payment was made. 
After much research and talking to several bank employees it was deciphered that the bank account number used in the transaction was wrong. 
The bank blamed me for the error and said TOO BAD. 
The number in the transactions was XXXX. THIS NUMBER HAS NO SEQUENCES THE SAME AS MY ACTUAL BANK ACCOUNT NUMBERS. 
Fifth Third Bank website malfunctioned and created wrong information for my on-line transaction and they do not want to correct their error on my credit report showing a 30 day late payment. 
I have had this account for over 4 years with no 30 day late payments!! 
Money was in my bank account for this payment.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am concerned about the inaccuracies and compliance deficiencies in the credit report I received. The FCRA section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards require that credit reports be accurate, and I challenge all inaccuracies or deficiencies of reporting. I would like you to investigate this issue and provide me all available details on how it came about. With the potential for data integrity issues if these standards aren't followed, it is a serious matter that needs to be addressed.
Consumer complaint received 2022-11-27
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. (GA)

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX account number : XXXX, has violated my rights. The original creditor is reporting as XXXX XXXX, which Ive never had knowledge of. 

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 also states A consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-22
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. (NM)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 instructions.
Consumer complaint received 2024-11-22
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. (NJ)

I recently reviewd my credit report and noticed some inaccuracies on my report. 
Starting with this collection, I never lived or was associated with. These address 's i never lived at and these iqurires i never applied for please remove off my report asap. 

Account Name : 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 2022-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This is not a new case. this is an error of correction on my part. The Claim this should be amended to is # XXXX, Bank of America had called me on Thursday in reference to the phone call on XXXX XXXX. I mistakenly kept given her the old names of XXXX XXXX XXXX because that was the files I was going through when the phone distracted me. due to my error of stating the wrong name in which bank of America use to be before it became Bank of America and that was XXXX XXXX  and nations bank. I also had an account with nation bank and made a {$1000.00} Deposit which I never got back because they closed their XXXX XXXX XXXX down in XXXX New Jersey. again, the Bank of America XXXX XXXX and Nationsbank. Thank You. 
for amending and placing the correct information on my claim from the previous phone call from Bank of America. XXXX XXXX XXXX
Consumer complaint received 2022-10-23
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: EQUIFAX, INC. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation, confirmation # XXXX. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections.

Your cooperation and prompt attention are greatly appreciated.

Best Regards,
Consumer complaint received 2024-11-22
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. (NY)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT, AND NOTICE THERE WAS FRAUDULENT ACCOUNT OF MY REPORT. PLEASE REMOVE THIS ACCOUNT FROM MY REPORT, DUE TO IT HURTING MY ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2024-12-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have auto and renters insurance with USAA and on XX/XX/year> I was prompt to select my USAA dividends choice for the 2024 disbursement. My choice was a deposit to my XXXX XXXX XXXX XXXX. 
On XX/XX/year> the amount of {$77.00} for the USAA dividend disbursement was posted as a credit to my auto insurance balance. 
On XX/XX/year> I requested through a XXXX  complaint that USAA  review my dividend choices and provide me with an explanation on how a credit to my auto insurance balance was determined, rather then a deposit to my XXXX  checking account as I originally selected on XX/XX/year>. 
By XX/XX/year> I had not yet received any correspondences or phone calls from USAA in regards to that request, so I contacted USAA through their XXXX number to get an update on the status of my request and was advised that my case was being handled by a representative named XXXX. 
I was then connected to XXXX XXXX and when I asked for explanation on how the dividends credit was redirected and posted to my auto insurance balance, I requested that USAA guidelines be provided to me in writing, so she sent me an email with inaccurate information where it states that my XXXX  checking account was inactive or closed, however, my XXXX checking account is open and active. 
As we switched concerns to my auto insurance billing and payments, at XXXXne point of our conversation I no longer felt comfortable with her tone, so I advised her that I was going to end our conversation then and disconnected my call. 
A few minutes after I ended our conversation, XXXX XXXX proceeded to call me again, so I advised her a second time that I did not want to continue discussing my case with her. 
I immediately contacted USAA and spoke to another representative named XXXX. 
I explained to him the situation and requested that XXXX XXXX do not further contact me. I also put a request with him that another representative be assigned to take over my case, as still have questions and concerns about my insurance billing and dividends explanation. 
On XX/XX/year> I received XXXX USAA emails from XXXX XXXX. 
I am confident that XXXX XXXX is an excellent professional, but since I did not feel comfortable discussing my account and billing with her, and I still have questions and concerns to be clarified, I request that she be removed from my case and my concerns be re-assigned and directed to a different USAA representative to further discuss my account history and payment information. 
Screenshots are attached for further review.
Consumer complaint received 2022-10-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Messerli & Kramer P.A. (MT)

I have been paying on a debt but my car got totalled and I'm struggling to find a job that works with my XXXX XXXX. I have been unsuccessful so far. It's been about 6 weeks now. I have contacted the company several times to update them on my situation and have told them twice to stop calling me. Now they're using phone number masking, so they're showing up as " restricted '', " unavailable '', and " unknown ''. Just today ( XXXX ) I have received 11 phone calls from " restricted '', " unknown '', and " unavailable '' between XXXX and XXXX. They have me on a recorded line telling them that I do not answer unknown phone calls and I asked for the number they'd call me from so I could add it to my contacts. They have used around 30 different phone numbers in the last month. I am sick of the harassment. They haven't responded to any of my attempts to contact them. XXXX XXXX is the company.
Consumer complaint received 2024-08-20
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. (NY)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have removed this. 
Depending solely on your flawed XXXXXXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

someone unknown used my identification and social security number and made some difficult investigation requests before my transmission without my authorization some companies that detailed below XXXX / XXXX XXXX from XX/XX/XXXX XXXX XXXX. XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2024-12-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WI)

On XX/XX/XXXX I noticed fraudulent transaction on my US Bank account. I immediately called US Bank and had the account frozen and a new account created. I spoke to fraud liaison at US Bank and submitted claim forms. I visited the local US Bank and obtained bank statements from XXXX onwards. I noticed that the fraudulent transactions/withdrawals from my account first started on XX/XX/XXXX up until XX/XX/XXXX. I noticed that on the bank statements all the fraudulent transactions were labeled " XXXX card online ''. The total of the fraudulent transactions amounted to {$230000.00}. On XX/XX/XXXX US Bank responded with a letter agreeing with the unauthorized transactions, but stating that since I did not alert them when the fraudulent transaction started, they were not responsible for any of the unauthorized withdrawal, including the ones within 60 days of my calling them and alerting them to the fraudulent transactions. I have created a police report ( XXXX, Wisconsin, XXXX XXXX ) on XX/XX/XXXX. 
I also wish to confirm that all of these withdrawals were unauthorized by me or my spouse and not the result of us falling for any phone scams or phishing. I also had my personal computers, scanned for malware and did not find any. 
Fraudulent transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-07
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. (MD)

I have been attempting to get a mortgage refinance since XXXX. I believe the system has treated unfairly. My credit score was a XXXX in XXXX of this year and I owed XXXX in debt. Now I don ; t owe anywhere near that I am still being harassed. As soon as I clean up one thing the XXXX put more on. 

I have all you can see many complaints and I am tired of complaining! All it does it hurts my credit score. Whats Fair about that? 

I had planned on purchasing a automobile after I refinanced my house but the bureaus want to control when you even do that, I am a XXXX XXXX XXXX. My credit usage depends on what is going on in my XXXX XXXX XXXX. But no bureaus won't report the true activity. In this case I sold a property and have to relocate the contents of the home elsewhere. Hence, HIGH USAGE ON MY PERSONAL CARD WHICH IS REALLY USED FOR BUSINESSS! 

The house has sold and so with the proceeds I will pay the bill in full. I guarantee you if I look at my report someone will have reduced my credit limit for no reason except the but hole creditors made it appear unusual. What's Fair about that. 

I applied for a Auto Loan and got approved first for XXXX at 6.14 84 months then got quoted XXXX 9.39 interest 72 months XXXX and the last time XXXX 6.64 for 84 months XXXX. Whats Fair About that? Same Accounts different bureaus
Consumer complaint received 2022-06-07
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. (TX)

The accounts, addresses, and inquiries was open without my permission. I have contacted experian XXXX and XXXX about this fraud issue but not resolved despite my federal trade commission XXXX and police report submitted Accounts XXXX XXXX XXXX, XX/XX/XXXX, {$15000.00} XXXX XXXX XXXX, XX/XX/XXXX, {$510.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, {$15000.00} XXXX  XXXX, XX/XX/XXXX, {$2800.00} Inquiries XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX Experian XXXX XXXX, XX/XX/XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX at La XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX tx XXXX
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Recently I checked my credit report and noticed multiple billing errors. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. Not only is this a billing error, but these late payments are inaccurate and incomplete, which Is a direct violation of the Fair Credit Reporting act. I need these accounts updated to PAID AS AGREED
Consumer complaint received 2022-06-07
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. (CA)

In accordance with the Fair Credit Report Act conversion has violated my rights XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 608 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer report agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-07
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. (CA)

In accordance with the Fair Credit Report Act conversion has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 608 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer report agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-07
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. (AL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXXXXXX docket # XXXX case # 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 2022-06-07
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. (AL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXX docket # XXXX case # 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 2022-08-22
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. (WV)

I have been trying to get this account removed for months now. On XX/XX/2022 I sent all three bureaus another letter asking once again for their method on how they are trying to say this debt is mine. Equifax closed the complaint so I contacted the fraud department via phone and the women I spoke to specifically told me she was removing it and come to find out she disputed it again. XXXX did not respond on time the complaint number XXXX still has not responded therefore that account must be removed and I'm owed XXXX for not responding within 30 days.