davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (AK)

Discover credit card was closed in XXXXXXXX XXXX XXXX. Balance was transferred to a XXXX XXXX account prior to closing, and balance showed XXXX. Discover card account was closed over the phone, and I was ensured the balance was transferred and I was closing the account. Discover sent a printed statement showing XXXX balance after closure. I was then charged a residual interest amount of {$13.00} after closing my account unbeknownst to me. This amount then became past due, resulting in a delinquency and loss of credit score. I never received a phone call about my issue, so the problem went undetected by me. This is a nefarious and predatory practice by Discover Card and should not be affecting my credit score like it has. Completely unacceptable behavior by Discover.
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-14
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. (LA)

I recently checked my updated personal credit report and I noticed unauthorized credit inquiries still remain on my personal credit report I contacted these companies and asked them to remove their credit inquiries from my credit profile. 

I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. If, once your investigation is complete, you find my allegation to be true, please remove these inquiries and send me an updated copy of my credit report at the address listed above. 

XXXX XXXX XXXXnquired on XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX If you find the inquiries referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Consumer complaint received 2022-09-02
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. (TX)

On XX/XX/XXXX I sent a letter to Equifax asking them to investigate some inaccurate accounts on my credit report and I have not heard back from them. They have not responded in nearly 2 months and I am very frustrated because this is not the first time I have tried. I also tried to get it fixed by contacting the furnisher directly and they did not resolve it, instead they told me to contact the credit bureau which I already did that. This company willingly violated the FCRA by not completing their investigation in 30 days and they never provided any results.
Consumer complaint received 2022-07-14
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-15
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. (OK)

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, Experian, and XXXX. I have informed the consumer reporting agencies XXXX, Experian, and XXXX by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2020-09-08
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. (CA)

XXXX XXXX XXXX is reporting a past due charge off balance on my credit report for the account that is paid off satisfied and should not be on my credit in first place ... I have been trying to contact XXXX XXXX XXXX on several occasions only for their automated system disconnect me after 30 -50 minutes of staying on hold.. They did send me satisfaction letter but still reporting a balance and bureaus are not removing this account and not updating the balance to {$0.00} because XXXX XXXX is NOT responding ... please help
Consumer complaint received 2022-09-02
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. (CA)

In According with The Fair Credit Reporting Act XXXX XXXX account XXXX ; XXXX XXXX account XXXX ; XXXX XXXX account XXXX  have violated my rights 15 U.S.C 1681 Section 602 A. states I have a 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 written instructions
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

In XXXX, Capital One Auto Finance reported my account as " 30 days past due '' which was incorrect. I'd never paid my account late. I contacted them directly and they refused to update my account status. I then disputed the inaccuracy of their reporting directly with each credit bureau which then confirmed through Capital One AF that the status was accurate, but it is not. Additionally, each credit bureau is reporting a different " delinquent payment '' month which further process the inaccuracy of the reporting. 

In XX/XX/XXXXXXXX XXXX  XXXX reported a collection account to XXXX on behalf of XXXX. I directly disputed the validity of this account with the credit bureau with no resolve. Additionally, I contacted the collection agency by mail since I'd not received any formal communication about this alleged debt prior to reporting which is a violation of the FDCPA. I've yet to receive a response from the collection agency and the account remains on my XXXX credit report.
Consumer complaint received 2022-06-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

i was approved for the haf program. penny mac received money on my behalf from them. i was awarded 2 months of payments. when i called them because its should i owed a payment for this month even though it had been paid from haf. so i spoke to someone in that department they informed me that 1 payment was made and the remainder money, the exact amount of my next payment was going to be takin from my principal balance and not a payment!! this makes no sense as i was awarded 2 months of payments. so i currently will be behind if that isnt applied. this is not how this program was supposed to work! applying it to principal does not help homeowners!
Consumer complaint received 2022-09-02
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. (CA)

XXXXDEPT OF ED did not purchase the promissory note from XXXX : XXXX XXXX All allege contracts are completely fraudulent & the attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity of identity theft & power of attorney fraud. Please expedite the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, & losses due to me being a victim of identity theft. The FDCPA is intended to secure my right to privacy & my privacy has been breached. I am sure the removal of my information from your company records, and/or with any corporate aliates like XXXX, Transunion or XXXX to ensure my privacy rights won't be violated again due to my lack of consent. Please BLOCK & REMOVE all information resulting from Identity Theft pursuant to FCRA 605B ( 15 USC 1681 c-2 ) which states that these accounts must be removed within 4 Business Days. 

XXXX has failed to provide with the actual contract. XXXX has only provided a photocopy of the contract, which includes a variation of my name, but ITS NOT my name. XXXX and XXXX are two different names even though they are identical. 

For an example, XXXX would be someone different from XXXX, as XXXX is Not XXXX. 

The driver license the contract displays is NOT my driver license number. The signature displayed is NOT my signature either. 

I have attached a copy of the FTC identity theft report. The account in detail is listed at the bottom of my FTC report.
Consumer complaint received 2022-09-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NC)

I have been trying to dispute a debt that is being reported on my credit from CCS collections. I have repeatedly asked for documentation/ contract stating I did business with the original party which is liberty mutual and they have not produced any documents to me. I have tried to dispute this multiple times with all 3 credit burues and CCS collections has only written them back saying the debt collection is valid. I never did business with XXXX XXXX or CCS collections and want this removed from my credit reports.
Consumer complaint received 2020-05-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NJ)

i made a complaint here .. I asked WF for free plain checks after 13 months of being a customer. They refer it somewhere and i get an email saying its being researched. Not sure what needs to be researched its called loyalty. I also complained that my account ending in XXXX was closed. i want it open. its the pandemic GIVE <ME a break i am unemployed and struggling now i know in the one size fits all world no one cares i know this but i do. Everything is so complicated in this bank and should not be. Just give me free checks. BIG DEAL. but it would be to me. Today someone named XXXX XXXX called me from wells fargo her number is XXXX she hung up on me when i was shocked she took my time up to tell me she received my complaint before i could say much she told me she would close it and hung up on me. she absolutely hung up on me. WHY waste my time? why be rude? why do i have to go thru all this? Just help me expeditiously. i want acct ending inXXXX re opened without XXXX. 
please pull the call and listen this XXXX person has no business working for the bank. you dont call a customer to tell me you have my complaint JUST do the right thing quickly it must be to justify her job. but i the customer have nothing but she got paid by the bank to treat me this way
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

I had a past due credit balance. This account was settled in back in XX/XX/2022. XXXX failed to notate on my account that account would be brought to current. Due to the mistake a fraud made on behalf of agent, account has been incurring late fees and interest. I been receiving an obsessive amount of calls from agents trying to collect payMent. I was informed by supervisor that in order to fix this issue I would have to write in a dispute to come its bank so that they may pull records call and verify that account would be brought to current with payment made. Im still receiving these calls despite receiving a letter from Comenity bank stating issue is being investigated. I answer calls daily and explain pleasantly to agents that account is being investigated as its supposed to show current and XXXX balance. Today I received a call from agent who was harrasing me and refusing to identify herself. Agent consistently refused to identify herself or where she was call from or purpose of call ; and kept asking to speak to XXXX XXXX. It became very scary and very harassing very quickly. I informed agent I would be calling back and speaking to supervisor if she did not identify where she was calling from. Agent refused and continued tactics. Because of this whole situation I am suffering mentally due to dealing with the stress and harrassment.
Consumer complaint received 2022-09-02
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX did not purchase the promissory note from XXXX XXXX XXXX. All allege contracts are completely fraudulent & the attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity of identity theft & power of attorney fraud. Please expedite the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, & losses due to me being a victim of identity theft. The FDCPA is intended to secure my right to privacy & my privacy has been breached. I am sure the removal of my information from your company records, and/or with any corporate aliates like Experian, XXXX or XXXX to ensure my privacy rights won't be violated again due to my lack of consent. Please BLOCK & REMOVE all information resulting from Identity Theft pursuant to FCRA 605B ( 15 US & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days.
Consumer complaint received 2023-01-03
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. (LA)

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. 

Account name XXXX : # XXXX Account name XXXX XXXX XXXX  : # XXXX Account name : XXXX XXXX  # XXXX Account name : Texas XXXX Auto # XXXX Account name Texas XXXX Loan XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX USA 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 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 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have tried repeatedly to get my report updated and all XXXX bureaus keep reaging my accounts and saying that they were verified when I know they were not verified. The dates and amounts are all incorrect. Last active and Last reported are all showing different dates, the amounts are all wrong and the comments like account closed and when it was closed are all wrong. These are just some of the inaccuracy I have found and Have repeatedly sent letters regarding it but I am very aware they are not actual people looking at these letters. I do understand that they letters go through XXXX system which will automatically kick out a verified letter. This is unfair.These Bureaus need to be stopped.They can not continue violating the rules and think that it is ok to do so. They are reporting inaccurate information and its causing havoc on my end. They have violated many FCRA Rules especially the 15US Code 1681s-2 and ( 623 ) ( A ) ( 7 ) amongst many others. They are treating many as well as myself unfairly.
Consumer complaint received 2022-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hello, my name is XXXX XXXX. For over 10 months, I have been going back and forth between XXXX, Transunion, and XXXX XXXX regarding fraudulent hard inquiries on my credit report. In XX/XX/2021, someone attempted to open an account with my personal information at XXXX XXXX. XXXX XXXX informed me that the application was flagged as fraud, and they did not proceed to open that accounts. However, the inquiry appeared on my XXXX and Transunion accounts. On XX/XX/XXXX, XXXX removed the two fraudulent XXXX XXXX hard inquiries from my credit report. However, Transunion didn't. I've reached out to TransUnion to have them remove them ; however, they claim that they can until XXXX XXXX reaches out to them. But when I reach out to XXXX XXXX, they claim that they can see hard inquiries reporting from them, therefor they can't create a dispute. XXXX 's claims are entirely false ; you can confirm with Transunion that they pulled my report 3 times when it should have been once. I need two fraudulent hard inquiries from my TransUnion to be removed. I can provide proof of my credit report clearly showing one hard inquiry from XXXX on XXXX and 3 from Transunion. 



In the attached document, you will see clear proof that there is one hard inquiry from XXXX, which is correct in my experience. Followed by three inquiries on my TransUnion, which is incorrect, and two of them should be removed, the two being XX/XX/XXXX & XXXX.
Consumer complaint received 2022-09-02
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. (IL)

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 719XXXX has me at a score around 590. 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 XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-05-31
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX is trying to collect for an unknown debt. They have not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$2300.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.