davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-22
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. (CA)

Months ago I received your correspondence on this alleged account stating you verified/ updated ) this account. 
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely XXXX XXXX.
Consumer complaint received 2021-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (MO)

I have sent requests and information to a collection agency notifying them that I had never had or applied or had any knowledge of the credit card or its & XXXX debt. So far they have been intransigent and have never supplied any documentation to verify. It is hurting my credit score for something I did not have or apply for or use. I am evidently, a victim of someone using my name and social security number. 
The collection Company is named National Credit Adjusters and regards a credit card called " XXXX ''. I have gone through the respective credit reporting agencies and have no address for this collection company. I have disputed numerous times over the last several months, to no avail. I understand when a debt is owed but causing me such trouble and time for something I have not done is not warranted. Any assistance is appreciated. Thank you.
Consumer complaint received 2021-01-29
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. (TN)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is very unacceptable and I want the fraud accounts removed ASAP!
Consumer complaint received 2022-07-21
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)

In accordance with the fair credit reporting act XXXX  accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX Problem : Contacted company multiple times about late payment not being late. 
_____________________________________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 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.
Consumer complaint received 2022-05-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (TX)

I received an email from XXXX stating that there were changes to my credit and it showed that my account with Comenity Bank/Express had changed. I logged on to Express.com and it showed that I had a 0 credit limit and my account was closed. I was instructed to call ( XXXX ) XXXX. When I called and entered the last 4 digits of my SS #, it informed me that my account was closed and no further questions could be answered. I then went online to Comenity Bank.com and called ( XXXX ) XXXX and spoke with a representative of Comenity, who told me that a letter was sent to my currently address on XX/XX/2021 regarding the close of my account and that there was nothing she could tell me further regarding the close of the account. I informed her that I haven't even received a letter from Express before the account was closed and that today 's date was XX/XX/2021, so how could they close my account without even giving me proper notice. She told me she could not speak on that and I would need to wait for receipt of the letter. My Experian FICO Score is XXXX, and both XXXX and XXXX reflect XXXX. I have had the account with Express for almost 2 years and have paid the account in full. Why would they just close my account without notifying me first, at least via email, which they didn't and not explain to me why?
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XXXX Th my phone got hacked and they took off my phone signal, changed my email password and after that drained all the money from my account. 
In the same day, I tried to contact Bank of America and I stayed on hold for 1-3 hours without solving my problem. However, on Monday, I went to the bank and I opened a new account and also made a claim related to the money transferred from my account ( as instructed ). 
Since then, I didnt have any response. So, today I went to the bank and they said my case was solved and my account didnt get hacked. I immediately collected all the proofs I could get and one of the agents helped me send it to the Bank of America costume care again. 


In short, I still waiting for my response. 
Im literally a XXXX XXXX from XXXX. All the money I had its gone and I need it as soon as possible, to pay rent and etc
Consumer complaint received 2021-01-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (NC)

AMSHER COLLECTION SERVICES a agency attempting to collect on a alleged medical debt that I have no knowledge of. 

They place derogatory information on my credit report without due process ... .process to include, allowing me the right to dispute this alleged account and I never received any written notice prior to them placing this damaging information on my report as if it were valid when in fact it is not. 

I feel that my rights were violated as a consumer pursuant to the FAIR CREDIT REPORTING ACT. 

The original creditor is : XXXX XXXX XXXX..alleged amount $ v XXXX
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XX/XX/2022 Transunionis violating the Fair credit reporting act laws. I am requesting monetary relief. 

XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] I HAVE A RIGHT TO PRIVACY. 

XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I DID NOT GIVE Transunion ORAL OR WRITTEN PERMISSION TO PUT A BANKRUPTCY ON MY CREDIT REPORT NOR WAS I NOTIFIED WHEN THE BANKRUPTCY WAS PUT IN MY REPORT. 

XXXX. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ]. 
( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), NO consumer reporting agency may make any consumer report containing ANY of the following items of information : ( XXXX ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 


XXXX. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] THIS BANKRUPTCY WAS NEVER DISCLOSED TO ME. 

XXXX. Compliance procedures [ 15 U.S.C. 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I REQUESTED XXXX TO CHECKED THE ADDRESS THAT WAS REPORTING WITH THE BANKRUPTCY TO VERIFY THE IF THE BANKRUPTCY WAS MINE. XXXX DID NOT VERIFY THE ADDRESS. 

XXXX. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
AS YOU CAN SEE THIS BANKRUPTCY SHOULD NOT BE REPORTING DUE TO INACCURATE INCOMPLETE AND CAN NOT BE VERIFIED BY ITS ADDRESS. 


XXXX. Requirements on users of consumer reports [ 15 U.S.C. 1681m ADVERSE ACTION WAS TAKING WITHOUT NOTIFYING ME WHEN THIS BANKRUPTCY WAS PUT ON MY CREDIT REPORT.
Consumer complaint received 2022-05-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to. promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2021-01-29
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. (NC)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am Sending a complaint today in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I sent letter to Bureaus on XX/XX/XXXX regarding this matter but no response until this day XXXX XXXX. The XXXX and TRANSUNION credit bureaus are required to authenticate the accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat thisreporting account as unconfirmed information without producing proof within the legal time range. I've already included thisin my last complaint # XXXX XXXX and XXXX and I'm including it again The account listed below needs to be fix right away : XXXX XXXX Date opened XX/XX/XXXX Balance {$100000.00}
Consumer complaint received 2022-05-01
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. (MS)

A month ago I reached out to Transunion about getting some unauthorized inquiries removed from my credit report. 

I also reached out to XXXX and XXXX about the same inquiries and they removed with no problem. 

I was informed by Transunion to contact the original creditors about the inquiries. When I did they told me to contact Transunion. Im tired of the run around. Transunion is slowing down my abilities to qualify for a mortgage. 

Here are the inquiries in question : XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

With that being said Transunion can simply delete the inquiries or give me {$1000.00} per unauthorized inquiry.
Consumer complaint received 2022-03-11
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 have been sending transunion credit disputes via certified mail from 3 months ago and to this date they fail to let me know of ongoing investigation measures, notify me of the results of my disputes or even process them. I am completely fed up I have been dealing with them for 3 MONTHS! I am trying to go for a home loan and transunion has all this inaccurate information and information due to identity theft that doesn't belong to me and they fail to answer my concerns or reach out and get back to me. The certified mail letters haven't came back I've reached out countless times and I just had enough. This is my last straw reaching out to the CFPB to have Transunion take care of the inquiries which don't belong to me and deliquent/derogatory accounts due to identity theft with FTC Documents attached. I will attach all following paperwork sent to transunion at the bottom of this message in case they try and attempt to say they haven't received anything even though I sent verified mail and I hope to finally get a response and my dispute results as it has been over 90 days. Transunion better fix this because if not I am going to pursue legal action to the furthest extent I am tired of this.
Consumer complaint received 2021-01-29
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. (CA)

Ive attached a letter from XXXX/XXXX  sent themselves states that they are NOT reporting and delinquencies on my credit report, yet a late for XXXX is being reported to all 3 credit bureaus, I sent this same letter to all 3 and nobody has updated my credit report.
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a credit balance on the account in the amount of {$79.00}. Contacted Capital One customer service on XX/XX/2021, spoke to an alleged supervisor named XXXX who was downright rude and unprofessional. The recorded phone call will show that I conducted myself appropriately and with manners. Of course, the reply from the bank will be a standard boiler plate " we are sorry '' letter. I am positive that the appropriate coaching and follow up will be completed. Needless to say, Capital One has archaic policies in which they do not refund credit balances back to the registered bank account on file. Rather, the refund is sent through the US mail, which as you know, is having many disruptions as reported in the news.
Consumer complaint received 2021-01-29
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. (OH)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

This is very disappointing! REMOVE ALL FRAUD ACCOUNTS ASAP!
Consumer complaint received 2021-01-29
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: EQUIFAX, INC. (CA)

These items are erroneous and imprecise for I have not remembered having these items. Also, the information you provided on some account are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the items be DELETED to correct the information.
Consumer complaint received 2021-01-22
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: JPMORGAN CHASE & CO. (NY)

A merchant owes me several credits for past transactions which were put on my account with false pretense. The merchant is forbidden by the Visa rules to issue a refund by check or cash due to credit rules and credit must be posted to account. The merchant directed me to contact the bank to issue a chargeback on the banks end. I submitted the chargeback requests to Chase on XX/XX/2020, and I provided all documentation in consistent wit the Visa chargeback rules. Several weeks have past and Chase responded to me in writing that they are not able to assist. 
Latter Chase explained to me by phone that the reason for not resolving this is because they claim to have encountered some difficulties to process my requests due to some restrictions on my account. They say that when my account was closed by the bank, the bank has placed some restrictions on the account that preventing the dispute department to service the account. 
In the meantime, I still have a balance with Chase and they have no problem charging me interest every month. The only problem they do have is to do what they need to do to resolve the credits owed to me. 
I find Chase actions in clear violation of the Visa card rules and also in violation of the federal and state law. Chase must allow its Billing Dispute department to resolve this matter and they surely have ways to lift whatever restrictions there are on my account so that the billing dispute department can complete what they need to do in order to submit the chargebacks to the merchant.
Consumer complaint received 2022-03-11
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: Checkr, Inc (WV)

Checkr is a background check agency that reports driving records on behalf of the state bmv office and has altered report for unbiased reasons even when there isn't a reason they fraudulently made one to put an applicant partner on hold to potentialy loose a contract with a company. I have provided an example below of their business practices that may cause me to lose a contract with a partner. They need to be held accountable for their actions and be removed from their partner systems for falsifying background reports.
Consumer complaint received 2021-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

NewRez XXXX ShellPoint is engaging in predatory lending practices. They have failed to pay our property tax, failed to pay our insurance, failed to pay the tax penalties we were assessed, and failed to properly balance our escrow account. They did finally send a check a couple months late for overage in the account but when deposited it was returned as not authorized so now I have a bank charge to pay as well. The issue is no one at the company has any competence to discuss and resolve the situation. We have made numerous calls, sent numerous emails all without a resolution. NewRez will not take ownership of their poor performance. It is ridiculous that I must search out legal council to address my issues. I previously submitted a report which accomplish nothing. There should be oversight from the CFPB, not just letters nobody reads and no action is taken. The real issue is there are thousands of people with the same issues I am having. ShellPoint has the most complaints of anyone. Why are mortgage servicers not held to the same standard expected of the consumer. This quite frankly is unacceptable as requires much more colorful language than is present in this complaint. This company should be immediately taken over by the government and closed.