davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/21 I sent a letter regarding inaccurate and misleading items on my credit report. As of today, over XXXX days later, I have not gotten a response regarding the items I have disputed. In accordance with the Fair Credit Reporting Act XXXX XXXX A ( XXXX XXXX. XXXX ) it clearly states a failure to investigate these items within XXXX days gives a reason to immediately remove these items from my credit report. I demand these items be removed promptly in accordance with the law. My information was also impacted by the Equifax data breach and could have fallen into the wrong hands.
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

I can't remove a credit freeze on my Equifax account. I needed to apply for a new credit card but the application got blocked by Equifax. I went online multiple times over the course of the last several months, the most recent time being today XX/XX/2022, and it still shows the message stating that " We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' even though I have waited months for this " temporary '' issue to resolve. I also tried calling multiple times and their automated system wouldn't verify me to allow me to speak to a representative.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

on " XX/XX/22 '' I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 35 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you are causing me.
Consumer complaint received 2022-07-16
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. (NJ)

All 3 credit reporting agencies show inaccurate information on my reports. My student loans are consolidated into XXXX accounts. I requested that the individual accounts that are transferred and closed be removed. I have accounts that have inaccuracies in dates open and last active reporting. I am making the effort to clean up my credit report to prepare to buy a home in the next 6 to 12 months. I would like to take definitive steps to improve my credit report and need the cooperation of the credit bureaus. I sent correspondence on XX/XX/2020 and some items were deleted. I filed a personal address dispute with Experian this month and they will not remove addresses that are not mine.
Consumer complaint received 2022-06-30
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)

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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I have submitted several letters to Experian Credit Bureau to update my personal information to only 1 name,1 address because I don't want to be a victim of identity theft. I explain in my letters having those addresses listed on my report is opening me to be victim of someone filling out a credit card application or loan in my name and subjecting me to go into debt without my knowledge. I have sent countless letters and copies of my drivers license and utility bills to prove my current address, but nothing is being done.
Consumer complaint received 2022-06-30
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: LEXISNEXIS (MN)

IN accordance with the Fair credit reporting act # XXXX  XXXX bankruptcy. LexisNexis has violated my rights 15 U.S.C 1681 section 602 A. States i have right to privacy. 

15 U.S.C Section 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

All bureaus listed on the FTC website remain and non-compliance status with several complaints previously filed. They repeatedly take longer than 30 days without a reasonable explanation and they are not carbon copying the consumer as required by law. When they do carbon copy the consumer they were openly refused to comply and violate the fcra repeatedly by playing this match the database and push Buttons game with people. You never volunteer information any information for my driver 's license is out of state so I don't want to hear the XXXX  XXXX. Would you like to see the storage receipt that my father had to pay last month?
Consumer complaint received 2023-03-16
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: CREDIT ACCEPTANCE CORPORATION (MI)

My complaint is about XXXX credit bureau I have disputed credit acceptance for this reason my online account says {$5.00}, XXXX for remaining balance the initial balance {$12000.00} my credit report my credit report says {$4400.00} the original balance says {$8200.00} when my online account says XXXX and it's only 46 % paid off that is totally incorrect I am asking for a XXXX I want this removed XXXX did not verify they could not have verified and I have read they have violated a lot class action lawsuit recently I got very well educated the last few days on this I also read that study found one in four had had one or more errors under credit report during 2020 I am really upset about this this is affected me a lot I spend all of my time researching and trying to fight for what is right I disputed with student loans also I am on the income driven plan if they would have verified correctly that would have got fixed the late payments I feel they should be held accountable for that that is unprofessional and very unethical I have disputed with credit acceptance a couple of different times it always comes back shortly after verified it's going to remain that is so unfair and I'm asking for a XXXX I am XXXX XXXX XXXX with a lot of health issues credit acceptance is taking me through the mud I even seen on my inquiries they're inquiring on my credit too that is credit slander and XXXX doesn't see that? That's scary but I am firmly asking for a XXXX I fight when I know that I am right I paid over {$8000.00} for that car there is no way I should still pay {$8000.00} as well over the XXXX XXXX XXXX XXXX XXXX  on the high side is XXXX that's an excellent condition and that car is not an excellent condition but they both violated the Fair credit reporting act big time I'm also going to contact the Federal trade commission and the state regulator something's got to be done about this I don't think it's fair that that repossession stays on my credit when they violated the Fair credit reporting act I can not stress that firmly enough I'm going to attach my proof
Consumer complaint received 2021-06-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

I sent a disputed to Experian via certified mail of incorrect reporting on my credit report on XX/XX/2021. Disputed items include : 1. Account - XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX. XXXX, XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX, XXXX Utah XXXX XXXX. Personal Information- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX On XX/XX/XXXX, I received an investigation result of verified in repose to my dispute. On XX/XX/2021 I sent a re-investigation letter, & notice of request for method of verification via certified mail. The re-investigation letter & notice of request for method of verification was received by Experian on XX/XX/2021. On XX/XX/XXXX, there had been no notice of re-investigation processed or receipt of the method of verification. On XX/XX/2021, a notice for intent to sue was sent to Experian by certified mail if disputed items were not removed from my report within 5 days. 

Experian is currently in violation of FCRA section 611 ( a ) ( 6 ) & ( 7 ).

All disputed items need to be removed from my report & personal information needs to be corrected.
Consumer complaint received 2022-06-30
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)

XXXX XXXX XXXX XXXX and XXXX XXXX age of account XXXX XXXX. $ XXXX Collections. 
IN accordance with the Fair Reporting Act 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 : States a consumer reporting agency can not furnish a account without my written instructions..
Consumer complaint received 2023-03-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$170.00} XXXX XXXX XXXX  Opened : XXXX XXXX, XXXX Balance : {$93.00}
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (LA)

n 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 : Account number XXXXXXXX XXXXXXXX XXXX XXXX : Account number XXXX-XXXX XXXXXXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX BANK : Account number XXXX XXXX XXXX  XXXX Account XXXX XXXXXXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX 
Account number XXXX TXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX Unknown Account number XXXX Unknown 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.
Consumer complaint received 2021-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Dear XXXX, Ive been a holder of a XXXX credit card for many years and had never missed a payment or had an issue on the account. I elected at some point to go paperless with statements at the encouragement of XXXX. 
As you can see by my activity on my account, my credit card balance is paid off monthly. At the end of XXXX of XXXX, I carried a {$0.00} balance on my card. At some point, I stop receiving electronic statements from XXXX, I assumed it was because I had a XXXX balance. In XXXX of XXXX, XXXX XXXX charge me a membership fee of {$450.00}. I was not aware of this charge and I didnt authorize this charge. Because I wasnt receiving any electronic statements, I was not aware of any balance due on the account. As you can see on my account, I never used the card for any other charges the following several months. Since I was not aware of the balance and then the subsequent late fees, XXXX reported these to the credit agencies as delinquent. It wasnt until XX/XX/XXXX that I received a call from XXXX stating I had an overdue balance on the account, which I then promptly made a payment on {$100.00} until I could investigate. After the payment was made, XXXX closed my account, and I couldnt access it on-line. 

I didnt notice any of the above until I was applying for a loan and the lender stated that my credit score was XXXX. A few months earlier, I knew my credit score was actually at the highest level of XXXX. I knew an error must have been made for it to drop 100 points. That is when I discovered the issue with the XXXX account. I called XXXX immediately and explained the above information and they stated they would get it corrected with the credit reporting agencies, but then I get the attached letter stating that the records are correct. 

This is unacceptable treatment from a financial institution like XXXX to a long-standing client with exceptional credit history his entire life. XXXX failed to contact me either via mail, electronically or by telephone before reporting a delinquency and allowing an unauthorized charge to my account. I demand that this be corrected with the credit reporting agencies immediately. XXXX error has already damaged my ability to secure the lowest interest rate loan available. If not corrected, I will take legal action and sue for damages. Most importantly it is the right thing for XXXX to due for a previously loyal client. If XXXX was not in the wrong, then why did they eventually reverse the charge that caused the issue?
Consumer complaint received 2022-07-13
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mcburberod Financial, Inc. d/b/a SeedFi (TX)

They refuse to work with me on a payment plan that I can afford. The first representative told me I could pay one payment a month, which is XXXX XXXX  a month. Now, they are proposing an amount that I can't afford. I have sent several emails, and they refuse to reply to my request. All the communication I get is about my account being past due as if I am not trying to work with them.
Consumer complaint received 2022-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NC)

To whom it may concern : I have a Best Buy Credit Card. I make my payments on time, no payments have been declined from my bank, and never had a late payment. However, Best Buy continues to hold my payments affecting my available credit. I reached out ( Beginning and middle of XXXX ) and they state because of the abnormal amount of the payments. That is not true. I make payments that range from {$1000.00} to {$3000.00} usually weekly or every other week. They said they took care of it, but they continue to hold my payments without any valid reason. They said they freed up the funds, but had to hold the payment to make sure everything is okay. I believe this is unethical. They have no grounds to hold my payments each time a payment is made. Hence... this is unethical! I use this card to grocery shop, gas purchases, pay bills, and other purchases. Holding my payment limits my ability to pay with my card. And ... There is no reason for this action! They stated that I need to call each time I think the payment is being held so they can call my bank to confirm the funds. However, I do not have time to do this with every payment. 

To further validate this concern, I stopped using it to show that even though no purchases were being done, the available credit was not changing despite the numerous payments. 
I stopped making purchases to show that there were no pending charges yet the payments were not being applied to my available credit. AGAIN..No late payments, No bank declined payments, No derogatory actions to result in holding my payments. 

In addition, I did XXXX price matches and they state that I will be refunded my rewards ( {$50.00} & {$40.00} ), but after several weeks, XXXX chat messages, and XXXX phone call - nothing has reflected. Again, if I had paid with my credit card, the refund would have gone here, but they have not refunded the rewards I paid with. These were earned with purchases. 

Please address both of these because, despite my efforts with several phone calls and chats, nothing is being done. 

The last representative said she is filing a complaint to get this resolved.
Consumer complaint received 2023-06-10
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. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XX/XX/23 - Unauthorized Inquiry XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX  XXXX Unauthorized Inquiry XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXXXXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX Unauthorized Inquiry XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX Unauthorized Inquiry XXXX  - XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

This bank continues to add fees to my account XXXX charged in fees. I am on Social Secirity and these fees are excessive. I mailed a deposit on XX/XX/XXXX for XXXX and on XX/XX/XXXX I mailed another XXXX deposit meanwhile Citizen 's Bank continues to add on fees. I am already struggling. I am requesting these XXXX fees be reimbursed and all fees reimbursed since XX/XX/XXXX be reimbursed. I called the citizens bank multiple times but there is nothing they can do for me. I'm frustrated as heck with these fees
Consumer complaint received 2021-01-26
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. (FL)

I Check my credit and i notice that there are Accounts that I did not give any Consent to I need information On How this was allowed to Happen I need this off my personal Credit
Consumer complaint received 2022-06-30
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: Spring Oaks Capital, LLC (TN)

XXXX XXXX XXXX XXXX XX/XX/XXXX {$950.00} XXXX XXXX XXXX ACCOUNT : XXXX XX/XX/XXXX {$690.00} SPRINGOAKCAP XXXX XX/XX/XXXX {$800.00} 15 U.S.C. 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an account without my written instructions.