davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

I filed a dispute with XXXX XXXX, Equifax, XXXX  and XXXX   involving a public record that is incorrectly reporting on my credit report. It is a Bankruptcy filing showing the " assets and liabilities '' sections inaccuralety. They are required by law ( FCRA ) to report all information on my report 100 % accurately. The assets and liabilities sections both show as {$0.00}. This is incorrect and I disputed the information. They promptly " VERIFIED '' that information. I disputed it again and it was yet again " VERIFIED ''. I asked specifically HOW they verified the item and then sent me some canned letter that told me what they are " supposed '' to do. I don't care about what you are " supposed '' to do, I want to know exactly what they " actually '' did. I received a letter from the Courthouse stating that they " DO NOT REPORT ANY INFORMATION TO ANY CREDIT BUREAUS and I attached proof of this. I also obtained my own court documents had have attached proof showing that the assets and liabilities was more than {$0.00} and that my rights were violated because of XXXX XXXX, Equifax, XXXX  and XXXX  refusal to investigate properly.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MN)

We went into forbearance with our mortgage through Bayview, in XXXX, due to covid. After receiving the stimulus money we paid our mortgage for XXXX and XXXX in XXXX. Bayview is reporting us late for XXXX and XXXX which is incorrect. We asked them to fix it and they deny that theyve reported it late. We then placed a complaint with XXXX  and they said Bayview reported us late!
Consumer complaint received 2021-01-27
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. (NY)

I've been attempting to dispute fraudulent accounts with the bureaus since XX/XX/XXXX when they were first brought to my attention. I mailed out the first letters, which XXXX tracking showed were delivered on XX/XX/XXXX, requesting the fraud accounts to be investigated and removed if found to be fraud. I received no response, so 35 days later, I sent another letter which was delivered on XX/XX/XXXX. Another 35 days and I still received no updates and the items were still showing on my report. To date, I have received no updates, the accounts are still showing on my report. Per the FCRA, the bureaus have 30 days to finish their investigations, 60 days later and not only are the fraud accounts still reporting, they're not even under investigation.
Consumer complaint received 2024-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (TX)

I checked my credit report and found that I had XXXX inquiries from my credit report that I did not make. Those inquiries are listed below. I did not make the inquiries or recognize them. I was told that I would need to make a report. 

XXXX  - Reporting to XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - Reporting to XXXX. I have XXXX XXXX XXXX card that was opened in XX/XX/XXXX. 

Inquiry date not made by me - XX/XX/XXXX
Consumer complaint received 2021-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2021-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent a letter to the bureaus on XX/XX/2020 to dispute 2 accounts that are reporting inaccurately on my credit reports. When the bureaus didn't respond, I sent another dispute letter for the same 2 items on XX/XX/2020. I still haven't received anything from the bureaus and it's been a total of 7 months now! To say there is a delay is putting it lightly and this is not acceptable by any means.
Consumer complaint received 2024-09-08
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. (CA)

TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Fraudulent Debt Not Belonging to Me on My TransUnion Credit Report To Whom It XXXX Concern, I am writing to dispute the inaccurate reporting of a debt that has appeared on my TransUnion credit report, which does not belong to me. I have never opened an account with the creditor in question, and I believe this erroneous entry is a result of identity theft, potentially linked to the recent national data breach that exposed the sensitive personal information of millions of consumers. 

Details of the Disputed Debt : Creditor 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 Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I am formally disputing this account. The FCRA mandates that TransUnion investigate disputed information within 30 days of receiving a dispute request and either correct or delete any inaccurate or unverifiable information from my credit file.

The FCRA also grants me the right to request the removal of information resulting from identity theft. Given the widespread issues linked to the national data breach, it is clear that this debt has been fraudulently placed on my credit report due to unauthorized use of my personal information. Therefore, I am requesting the immediate removal of this debt from my credit report.

Requested Actions : Immediate Investigation : Please investigate the fraudulent debt and verify its accuracy.

Deletion of Fraudulent Account : As this debt does not belong to me and was fraudulently placed, I demand its immediate removal from my TransUnion credit report.

Please take prompt action to investigate and remove this erroneous debt, which is causing undue harm to my credit score and financial standing. I look forward to a swift resolution and the correction of my credit report.

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Started on XX/XX/2022 when trying to purchase a {$300.00} gift card at a retail location that I frequently shop at. My card was declined by the CC holder ( Capital One ) and I had to complete the purchase using another card. 

Upon looking into my account I found out that a restriction was places on my account due to suspected fraudulent activity. No notification was sent to me, no attempt was made to verify that it was me making the purchase in question. 

I contacted Capital One that day to unlock the account so I could use my card that I use for everything including crucial bills like utilities, childcare and healthcare payments. I was told that in order to unlock my account they would need me to send them images of my personal information over the internet. I initially declined due to an abundance of caution with my PII. At the time I was also using a digital ID in the state of Florida which is legal for both law enforcement and age verification but does not work with Capital One 's ID verification system. 

After escalating this issue with management I was told that there was no option to unlock other than using images of my PII. 

Since that day I have ordered a new physical ID from the state and waited 8 days for it to come in. Upon calling Capital One back to verify my identity using the physical ID, I found out that their verification system does not work 100 % of the time and instead of sending my details to an automated system for verification I would instead have to submit it to Capital One themselves so a human review could be done of my new ID to verify that I am me. This is an obvious concern because now my PII is being purposefully presented to human eyes and transmitted across networks that I do not have control over or have documentation on to prove that they are secure. 

I expressed my extreme displeasure with this process and noted that this situation was 100 % created by capital one, simple steps could have been taken at the front end of the process to confirm my identity and purchase activity. Instead i have been unable to use my primary CC for paying bills for over a week now and have been forced into obtaining a new line of credit so that I can in fact pay bills and support my family.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX employee charged for luggage {$99.00} before boarding a flight on XX/XX/2022. Luggage meets airline requirements and measurements. 

Merchant not willing to solve the problem after discussing the issue. 

Disputed claim with credit card. Credit card response was unilateral for the merchant ; not providing me the merchant response. Credit card not willing to give the opportunity for me to submit pictures of luggage and its measurements that show it complies with airline policy.
Consumer complaint received 2022-09-27
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. (IL)

I am appalled by the inability of the Credit Bureaus to properly investigate my Credit File and remove the disputed fraudulent accounts and information that are still reporting on my Credit File. Again, I was a victim of identity theft and I am submitting this CFPB Complaint as another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting agencies are required to remove any accounts and information not later than 4 business days after XXXX XXXX XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}. Also, the Credit Bureaus have claimed that the Disputed items are verified and are reporting Accurate information thus they continued reporting the disputed items. However, I never received anything as proof of verification let alone any documents bearing my signature. If the Credit Bureaus continued their erroneous reporting, please understand I will initiate legal countermeasures.
Consumer complaint received 2020-09-07
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Under section 605C of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are prohibited from including adverse information that resulted from a consumer being the victim of human trafficking after the consumer has notified the consumer reporting agency and provided the required information and documentation. I've provided all required documentation to the credit agencies to remove this information, as its states it should be removed in XXXX  days. The credit agencies have failed to respond to my request.
Consumer complaint received 2021-01-27
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. (TN)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and again on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2023-02-24
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. (MI)

I recently discovered that my nonpublic personal information was displayed on my credit report without my written instructions and consent. This information was disclosed to a third party without my authorization, which is a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). I understand that my nonpublic personal information may have been disclosed due to an error or oversight on the creditors part, but I want to emphasize the importance of protecting my private information. I am concerned about the potential consequences of this disclosure, including identity theft and financial fraud. I request that you take immediate action to correct this violation by removing the unauthorized information from my credit report and any other third-party disclosures. Additionally, I request that you provide me with a written explanation of how this happened and what measures you are taking to prevent it from happening again in the future. I would appreciate a prompt response to this matter, and I hope that we can work together to resolve this issue and protect my privacy rights.
Consumer complaint received 2021-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mountain Run Solutions, LLC (FL)

years ago I think XXXX XXXX XXXX  and I had issues over service we agreed to discontinue services no fees owed. Years Later XXXX Mountain Run bought this OLD claim that is too old and age to collect on and started a new collection date. I have filed various complaints and they will not work with me. I refuse to pay for a claim I don't owe! 

This company should not be allowed to bully people into paying for an aged claim that they bought ... ...
Consumer complaint received 2020-09-07
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. (TX)

Experian Dispute XXXX XXXX XXXX XXXX Experian claims that this is a valid collection action yet neither Experian nor the alleged collection agency, XXXX XXXX XXXX, has provided any documentation whatsoever to support this claim. I have repeatedly tried to contact XXXX XXXX XXXX by mail and phone and have not received a reply to both my letters and voicemails. I have filed multiple disputes with Experian but to no avail. Experian claims that XXXX XXXX XXXX has provided validation that this collection action is legitimate, yet I have received nothing to support this claim other than Experian continuing to state that its valid. Experian keeps closing the dispute without providing any evidence whatsoever that XXXX XXXX XXXX collection action is valid. I have no knowledge of what they are trying to collect for, and have not received any invoices or other correspondence related to this. Experian is negligent in their duty as a credit bureau by not removing an inaccurate entry on my credit report and by not providing any evidence that XXXX XXXX has a valid claim.
Consumer complaint received 2020-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CA)

Citibank credit card i have for over seven years and a exceptional customer. I always pay everything on time and have wonderful credit. About a month ago Citibank decreased my limit from XXXX to XXXX without my knowledge or any letters. They state they sent a email and letter and i still have not received it. I have reached out to them several times to even give me a reason why and they said when i did a transfer from my business account it declined. Which should never have happened. There was plenty of money in there. Both of my accounts went into this crazy negative status overnight hme in the morning they were back to normal. I almost had a heart attack. Since this happened they decrease my limit. It was not my fault. There was money in all accounts. I always pay my credit card off. I use it all the time for my work to get points as this has affected me very much. My work reimburses me and i always pay off. Please help me recover my credit increase. I have contacted all credit bureaus and they say i have impecible credit and never late and i have sent all copies to Citibank also and nothing is being done. I still have not received the letter stating why this was done and it is now going to mess with my fico score which i have worked super hard to keep At the level it is at. Thank you so very much
Consumer complaint received 2020-09-07
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. (MN)

I contacted XXXX XXXX in regards to incorrect information on my credit report and they have not investigated my dispute. I have asked them for documentation on this account and have yet to receive it. They are reporting multiple inaccuracies, each credit bureau is showing different information. For example Transunion is showing date of last activity as XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. They continue reporting incorrect information on my report.
Consumer complaint received 2021-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020.
Consumer complaint received 2021-01-27
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. (AL)

TRANS UNION said they could not find my credit file due to they need more identification proof in the form of social security id, paystub, utility bill, and XXXX to complete investigation. I will attach a copy of the identification proof in this complaint.
Consumer complaint received 2022-07-28
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)

Submitted dispute to Credit Bureau XX/XX/2022 to remove XXXX XXXXXXXX XXXX. Credit Bureau provided response stating information was " verified '' XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-27
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. (FL)

On XX/XX/2023 XXXX XXXX XXXX added a derogatory on my credit report per XXXX XXXX Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, there was NO form of communication, contracts, or signatures for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX violated my rights as a consumer and Im requesting legal action to remove this account immediately.