davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MS)

Hello. This is a complaint against all 3 credit bureaus. For the month of XXXX, I received XXXX XXXX scores Equifax-XXXX, XXXX, XXXX. For XXXX, these scores have dropped to Equifax-XXXX, XXXX and XXXX. My mortgage scores went from Equifax XXXX, XXXX- XXXX and XXXX- XXXX. With my mortgage scores alone, you can see that at least 2 dropped by 72 points and the other near a 100 points. I checked to see the reason behind this and 1 payment was reported 30 days past due for 1 account which Im in the process of disputing as inaccurate. There are balance increases on some accounts but nothing that shouldve dropped my score this far below average in the manner that it was dropped. I have reached out to the credit bureaus complaining about the conflicting data that makes no sense to consumers. XXXX will specifically report whats helping my score as excellent payment history and right underneath will put the exact same thing as whats hurting my score. I worked very hard to get my scores up to nearly a 700 only to watch them drop in a 30 days time so drastically and while I understand it can drop heavily for a late payment, once that remark is removed and it will be as its incorrect, am I going to gain back to points I lost and most likely not. Payment history accounts for 35 % of your score and it seems the bureaus are more focused and still heavily penalize for details on the report that are well over 5 years old but are telling consumers they dont do this. They are specifically stating that you are not impacted as much for accounts that old. The credit bureaus need to be heavily looked into and evaluated on scoring habits and the reasons they use for why they score they way they do as it is seriously starting to look like a system that is meaning to purposely keep a certain class of people from obtaining mortgages etc. And I say this because I was paying to receive my mortgage scores every 3 months and just last month I paid more to receive them once a month instead as Im prepping for buying a house and oddly my scores dropped so heavily, you would think I filed a bankruptcy. Something is definitely not right and its not adding up. I would greatly appreciate someone investigating all 3 major credit bureaus and their habits. I have copies of my constant fluctuating scores. Even when Im hardly using my credit cards, Im dinged. I have even been dinged for paying balances down which I will never understand that one and when I spoke to the bureaus about it, their response was it will go down first and then come back up. So we as consumers lose points that we wouldve otherwise had because the score is not raised by as many points as they take away obviously. The credit bureaus need to be heavily looked into and evaluated and I hope this can happen. Thank you for your time.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (OH)

I've been disputing my transaction since the end of XXXX and I've been denied with no reason of my disputes being denied they just sent me something saying my dispute has been closed like XXXX the XXXX and I've been fighting the end of XXXX. And this is my unemployment banking with US Bank ReliaCard. I noticed some unusual transactions that was made on my account with {$1000.00} withdrawal with XXXX XXXX  transfer and and all kinds of other XXXX transfers along with a cell phone payment and a XXXX XXXX XXXX XXXX they did refund back the money from XXXX  transfers and the cell phone in XXXXXXXX XXXX  but the cash withdrawals that were taken out of my account was not refunded and you can see how it is it's {$1000.00} {$100.00XXXX XXXX XXXX XXXX. They refund my XXXX  but not the cash withdrawals and it just looks so suspicious like you could see it it's all together so I canceled my card ordered a new one and the card that I was waiting on was stolen out of my mail and they were able to take out two XXXX cash withdrawals and a XXXX $ XXXX. And they did a few online XXXX XXXX  transfers as well. I wrote letters on my behalf, I made a police report, I disputed them on time I even sent in bank statements from my XXXX account that I never even made any of those transactions everything that they had taken out of my account there's a XXXX charge with it. And since my account shows that I didn't make any of those transactions on my XXXX  account. I didn't think they would have a problem refunding my money back to me.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

During this covid-19, wallmart credit card managed by capital one bank not offering any deferred payment, on top chargeing late fees. 
I request today to delay my payment, since i am having trouble marking payment they denied to help not only that XX/XX/04 my payment due date and i called bank to waive my late fees they refused because cutover time is XXXX. Since i called XXXX so i have to pay late fees. Although all other credit card companies help me by offering deferred payment without late fees. But Capital one refuse to do so for past month on ward. Although they are saying they are helping which is not
Consumer complaint received 2020-05-05
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. (IN)

I'm filing an official complaint with the 3 major reporting companies, " XXXX, XXXX, and Experian ", this complaint derives from not only me losing my wallet and important personal information, but due to the fact that I've been incarcerated for the past 8 years, only to be face to face with this nightmare of my identity being compromised. I'm respectfully and peacefully demanding that these unknown and unauthorized accounts be blocked and removed immediately from my credit file ( s ). Please remove the following # 1. XXXX XXXX XXXX # 2. XXXX XXXX XXXX # 3 XXXX XXXX # 4. XXXX XXXX XXXX XXXX XXXX # 5. XXXX XXXX XXXX # 6. XXXX XXXX XXXX # 7. XXXX XXXX XXXX XXXX # 8.  XXXX XXXX # 9. XXXX XXXX XXXX
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MO)

The deletion or suspension of accounts stemming from a data breach or unauthorized inquiries is governed by the FCRA Section 605B, which addresses the blocking of information resulting from fraud or data breaches [ 15 U.S.C. 1681c-2 ], as well as the FCRA Section 604, which outlines permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the accounts referenced in my consumer credit report, which have arisen due to data breaches or fraud. I kindly request verifiable evidence containing my signature or electronic signature. This letter represents my personal request, and I urge careful consideration. These actions were undertaken without proper validation or original documentation from the reporting companies, constituting a violation of my consumer rights under the Fair Credit Reporting Act, specifically Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

Your agency is in violation!

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 2022-08-23
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. (MS)

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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

On or around XXXX XXXX, I had submitted to ChexSystems that I had been a victim of identity theft and I had incorrect information on my ChexSystems report, that I wanted to dispute. I received a letter today dated XX/XX/2022, advising me that the reinvestigation of 2 credit inquires, both from XXXX XXXX XXXX XXXX, dated XX/XX/2022 and XX/XX/2022 that were part of my identify theft, had been verified as accurate information. This is incorrect and unacceptable. They did not provide me with any detailed information proving to me this. XXXX ID XXXX
Consumer complaint received 2020-05-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (CA)

On XX/XX/2019, I contacted GM Financial in hopes of receiving relief because I was 14 days behind in my payment. Therefore, during this call, GM Financial Representative provided several options, then I proceeded to exercise one of those options, which I was immediately denied. Confused, I inquired about the denial, the Customer Representative stated, I needed to pay my bill, which was 14 days late. I requested to speak to her supervisor, the representative tone, volume, and pitch became increasingly unprofessional and hostile. Therefore, the GM Representative ( XXXX ) eventually disconnected the phone, while I was in mid-sentence. I called back, to only have a representative answer, while obnoxiously laughing. A couple of weeks had past and I requested for the vehicle to be repossessed, then the charade begun, with " we are sorry for how you were treated, '' " we are sorry the representative misinformed / misquoted our policy. '' In addition, the representative falsified the notes, which created a debacle about whose telling the truth. Well, I have written the XXXX, and provided more in-depth information, and I can say my biggest mistake was becoming a customer of GM Financial. I am completely disgusted with their treatment of me and this topic. Furthermore, I was talked out of returning the vehicle ( repossession ), because I was informed, if I paid a small fee, that XXXX and XXXX payments would be placed at the end of the contract and my credit would be restored, which was another lie. As aforementioned, I should have never became a customer at all. I have 59 miserable payments to go, which I feel ( re ) victimizes me every month, afterwards, I will request for it to be deleted from credit report, because I never want to look at this mistake again.
Consumer complaint received 2022-08-03
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and consent.

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 2020-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (NY)

See CFPB complaint XXXXPrint.

My complaint was " I have opted out of pre-approved offers, and you sent me a pre-approved offer anyway. '' Their response was " you can opt out of pre-approved offers by contacting the credit bureaus. ''
Consumer complaint received 2024-09-02
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-05-05
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO WHO WAS ABLE TO GAIN ACCESS TO ME PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WITH MY PERSONAL INFORMATION AND I DID ALL THAT I COULD DO TO AVOID THIS TYPE OF THING FROM HAPPENING TO ME.THIS SITUATION HAS BECOME VERY STRESSFUL TO ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-05-05
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 — Problem with personal statement of dispute
Company: Onity Group Inc. (VT)

In XXXX my husband and I set up a forbearance plan with PHH Mortgage company. they stated that they would not report during these months to the credit bureaus. Last week, both my husband and I received an alert from the credit agencies that our scores dropped 17 points due to PHH mortgage company reporting that our account with them was in forbearance. A remark in our minds is STILL reporting as it had a huge affect on our scores. They first added the remark, Affected by natural disaster, deleted it and added, account in forbearance. What course of action can we take to make them fix this! 

XXXX XXXX XXXX XXXX XXXX XXXX, VT
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIRSTBANK (CO)

I needed a vehicle transported. I inquired with several companies. On XX/XX/XXXX I got a text from XXXX XXXX of XXXX XXXX XXXX saying they would be able to transport my vehicle. We corresponded via text multiple times. A contract was sent to me via email that I signed off on. To secure a XXXX and pick up they needed a deposit of {$400.00}. I XXXX  {$400.00} to the XXXX account provided to me. Shortly there after, all communication was stopped and the phone number was disconnected. On XX/XX/XXXX I called XXXX XXXX XXXX and they confirmed the gentleman I was talking to XXXX XXXX, was a scam artist. So I immediately called FirstBank to see if the transfer could be stopped. They informed me it was too late and nothing could be done. Emails associated with this scam include : XXXX, XXXX, XXXX. Names of people associated with this scan include : XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX Account XXXX : XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2020-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$290.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.