davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent law enforcement report, ID, and utility bill to EquifaxXXXX XXXX XXXX XXXX so that they could block the fraudulent charges appearing on my credit report. I received communication via letters and over the phone that they ignored my dispute because they didn't think I sent it. So I have hand written my dispute and attached the previous dispute. The bureaus failed to respond to investigate the initial dispute within 30 days and are in violation of FDCPA. The items contain fraudulent charges and they were required to remove the items within 4 days.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (ME)

Received letter stating they do not have info on me. I had my report somehow " disappear '' in 2015. I am currently unable to access my report online, or through annual credit report 's website. I am able to view via third party website ( XX/XX/XXXX ), yet this is affecting if I need access directly in order to dispute an item.
Consumer complaint received 2021-08-08
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: I.C. System, Inc. (TX)

I submitted a complaint with the CFPB ( XXXX-XXXX  ) on XX/XX/2021. I.C. Systems stated Our records indicate the account has been disputed but its still reporting on my accounts. 

I know my rights and I know I have to give permission for someone to obtain my credit report. I did not give I.C. Systems permission to obtain my credit report file. I do not have a transaction with I.C. Systems or an account. I have to provide I.C. Systems with legal power of attorney or a notarized consent letter giving authorization for them to act on someone behalf and I NEVER gave I.C. Systems permission. 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports, states In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-09-11
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: CITIBANK, N.A. (MN)

Citibank will not remove this credit card from my credit report. Someone else to whom I have no knowledge of who has my name listed on their card as an authorized user. They reply with a statement saying that the account holder must remove me from the account. However I do not know who it is or even how to fund out that information I have called citibank to attempt to gain information about the account user and who this person is. I don't know who they are. What I do know is I have for years been trying to get this removed and myself removed from this account. My identity has been stolen essentially by this person. They are also slowly racking up the balance on this card which has a XXXX limit to which I have watched the balance go up up and well up. They also are gaining slow credit line increases. This is extremely concerning to me that citibank does not investigate this matter of who this is. The sad part is if I'm on this card why do I not have possession of one and if they took time to review any camera footage or addresses there Fraud department would realize I have not purchased anything because I can't I have no card and no information about this account. Do these people even reside in my state of Minnesota? They offer no help
Consumer complaint received 2021-08-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. PURSUANT 15 USC 1692A, 15 USC 1666B
Consumer complaint received 2021-02-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST (KS)

I haven't used Bank of the West in months and they've slowed drained my entire account. They've assessed {$100.00} in fees. {$70.00} in " service '' fees and {$30.00} in anonymous fees. When I contacted them to reverse the charge and close the account they said they can't close the account with a negative balance but offered to give {$30.00} back, however that very day they applied the {$30.00} credit, they added a {$30.00} uncategorized fee to my account to net out to zero assistance and zero ability to close the account. I do not intend to pay the negative balance as I am contesting the fees yet as I do so they continue to assess fees to the account. I just want them to close the XXXX account and give me back the original {$50.00} they had in there when they started preying upon dormant accounts without notice. This is a ridiculous time for a bank to be preying upon customers.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

In 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. 



In accordance with the Fair Credit Reporting act 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. 



In accordance with the Fair Credit Reporting act 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 2020-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

I had XXXX  in XXXX and called citi card they said not to worry they approved me to defer all minimum payments and balances for 3 months then I received a letter in the mail stated my account was closed. I have called multiple times and they refuse to reopen the account or remove the reporting from my credit bureaus.
Consumer complaint received 2022-02-05
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: EQUIFAX, INC. (GA)

I have sent in certified letters to Equifax requesting that they investigate and remove derogatory account and they have failed to do so. The dispute that I open has already been completed. I have received no Validations from Equifax that the creditors provided to Equifax to validate and verify as accurate. As a consumer reporting agencies 15 U.S.C 1681a ( f ) they are governed by the Fair Credit Reporting Act 15 U.S.C. 1681, which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file.
Consumer complaint received 2022-06-15
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. (GA)

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 XXXXtransunion has me at a score around XXXX. 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 XXXX  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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays n they record the calls XXXX admitted they had my police report XXXX 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 XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im dXXXX now.with no help.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I joined their XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX that operates and manages your amazon store for you, in return you give them {$30000.00} up front to manage your store and then 30 % of your profits quarterly. They said they would not make one XXXX  from you in the first year till you made a profit, and that was in the contract that I signed. I first spoke with one of their recruiters who promised me that I will be having an AMAZON store up and running within six months of joining and, would be seeing a return on my investment of an average of 200 % or, {$450000.00} after the second year. They said they were running XXXX  amazon store as well as XXXX  XXXX amazon XXXX. They said they have a combined experience of fifty years plus and, had personal warehouses in XXXX that they deal with directly to order and would send my products to the United States for me. They said they would build my store to run on its own and all would need to do is give them an additional {$30000.00} for my products once they were ordered through their suppliers in XXXX. After joining I would have a monthly XXXX  call with them for the first few months and would be getting updates weekly or as things progressed. I did hear from them periodically, then all emails, XXXX  calls, and communication ceased. I was then emailed by a XXXX XXXX that I was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed by XXXX XXXX XXXX on XX/XX/XXXX. I also found out that there were XXXX plus other victims of this XXXX  Scheme conducted by XXXX XXXX XXXX I also found out that they are still conducting business as usual event though they filed bankruptcy. There are numerous XXXX videos of XXXX XXXX and his team professing everything I just said as well as websites still up and running. I would like for all involved in the XXXX XXXX XXXX investors XXXX SCHEME held liable for taking not only my money but everyone else who was a victim of their lies and deceit. I would also like to be reimbursed not only for my monies lost, but for emotional and stress incurred by all of this. 

I paid them the {$30000.00} on XX/XX/XXXX for them to operate and manage my Amazon XXXX, which they never did.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2021-10-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: TransferWise Ltd (CT)

This is related to a virtual currency service over the internet by a company called XXXX. 
I made a transaction through them using my credit card. Instead of taking the money out as any other credit transaction ( as done by similar other service like XXXX ), they took the money from the credit card as a cash advance. They did not provide me with any information that they will do so. As a cash advance, it triggered interest on all of my credit card transactions from that day ( i.e., before I could spot the problem and paid of all balance ). It also imposed cash advance fee and transaction fee by the credit card. The original transaction was {$260.00}. I paid more than {$50.00} on fees already. It seems this can be a scam by XXXX  perhaps in cahoots with credit card cos. on unsuspecting customers. I have never kept any balance on my credit card because I am aware of the punitive interest rates. But in this way, the credit card company can impose interest from day 1 before I am even aware that a third party took out cash adavnce instead of a credit transaction. While I am still dealing with this problem with the credit card XXXX and XXXX and, hopefully, get it resolved, I think for many other regular customers will end up falling for this unfair practice ( or, perhaps, a scam ). That is why I am reporting this.
Consumer complaint received 2021-03-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE (GA)

I do not know of any debt with Avante USA, I have no knowledge of any debt with this company or the original creditor. 

I have not received written notification to dispute the validity of this debt I am requesting that this debt is removed from all credit reporting bureaus.
Consumer complaint received 2019-09-01
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. (FL)

XXXX XXXX XXXX is my 2nd mortgage holder, they have and continue to report me as 30 days late per my credit report. I was involved in a chapter XXXX bankruptcy since XX/XX/XXXX and have made my payments to the trustee every month religiously and they reported me 30 days late since XX/XX/XXXX with the most recent as of XX/XX/XXXX. I have been making my payments to them on time since XX/XX/XXXX and they agree that I have been current, they can not fix the late reports they say. I say they can and their errors are causing me to be denied for a fha refinance that will save me {$400.00} a month. I think XXXX XXXX XXXX just wants to keep me with their horrible loan product that I did NOT UNDERSTAND was a monthly interest rate change and feel that I have been taken advantage of. I knew it was a interest only and adjusted every year not monthly. The note does not show a monthly or annual adjustment either. I feel that I am stuck with them and they are horrible to deal with. I have to ask them every month for my payment amount as they haven't sent a statement to me unless I request them. 

Please look into this for me ASAP as i am distraught with dealing with them and my bankruptcy attorney has said I should dispute this with you and the credit bureaus but I dont know how to do that either. 

Thank you XXXX XXXX
Consumer complaint received 2021-08-07
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)

Greetings, I feel there's some unfair business going on with all three credit bureaus. I have being fighting for an investigation of my entire credit report for over 8 months now without a resolution. Only a decrease in my credit score about 5 times with 14 accounts in good standing. This is unfair and I am seeking a through investigation. Something isn't right ... .The calculations are wrong and unfair. This situation is causing major distress in my life, delays, and depression. The fact that my voice isn't being heard is even more mind babbling. I've contact all three bureaus and all they want to do is argue with you and refuse to help you even if you're stressing your rights by the fair credit acts. They do not care and it's unfair. I reached out to a credit specialist and they explained to me that I have 14 accounts in good standing and 5 accounts that's closed and reporting old information. The bureaus will not delete these accounts nor give me credit for the 14 current accounts in good standing, so my score stayed in the 500 's. I would like an investigation please.
Consumer complaint received 2021-08-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLY FINANCIAL INC. (CA)

Dates on my report do not make sense. The dates of payments are not true. All 3 bureaus are reporting different information. I also had gap Insurance.it paid The remainder Off. I disputed and it came back unchanged. received a credit account for the {$30000.00} from Ally. My reports say it was a loan. It was not a loan. That is not a true representation of the true agreement. 
The collection creditor constantly calls and sends letters I never agreed upon. Especially because Gap insurance payed balance. 


Ally financial XXXX
Consumer complaint received 2021-08-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Conn's, Inc. (SC)

the incident is that Covid came and i loss 60 % of my income and email Conns and advised them of that but i didnt have no luck. i was told i in the i already ask for extension on my payment which it was paid but i dont remember making those arrangement but i ask for options for folks who lost their job or reduce income that cant make their payment. i was adv no options was available. i stop receiving alerts of payment and didnt receiving any calls. so i reach out to them today about options and all they wanted to know when and how much i was paying. this has already impacted my credit but im months behind and was told there still no options just to pay it before it charge off. i need help this is my second account i had this them and i would be current if i didnt had a loss of income.
Consumer complaint received 2022-09-03
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. (GA)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions. I contacted them after XXXX responded that they verified this information and I was told by the company to contact someone else they dont have the account. How can XXXX say they verified this account and I wrote them and requested verification and they sent an email to contact someone else. If they dont have the account, have any information and cant provide me with proof of this account, my signature establishing that I signed for this account ; how can they report this to my credit repostar?
Consumer complaint received 2024-10-15
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. (FL)

Good day, this complaint is not sent in error please take this seriously. There seems to be items that was mixed on my credit report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and XXXX.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS