davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (AZ)

I closed my XXXXXXXX XXXX account after paying off my wife 's wedding ring. That closure of the account was in XX/XX/2017. In the last 2 years XXXX has constantly been charging my account and telling me I made a purchase of a necklace. This is fraudulent. The account was closed, yet they keep upping the balance every month and destroying the credit that I worked very hard to build. At this point they are reporting {$1900.00} which was not ever used by me as I had closed that account. That have even shown on my credit report that I had been making payments from XXXX on nothing at all.This is also fraud. Each time I dispute this on my credit it gets removed, only for them to do it again. This is ruining my credit day by day and needs to be removed once and for all.
Consumer complaint received 2020-11-13
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. (NY)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into in the hands of the wrong person.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I PAID OFF 3 ACCOUNTS WITH PORTFOLIO AND THEY AGREED TO REMOVE THEM FROM ALL CREDIT AGENCIES XXXX XXXX XXXX  ETC ... I PAID THEM ALL OFF AND THEY DID NOT REMOVE THEM!
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC. (VA)

MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX AGREED TO REMOVE THIS COLLECTION FROM ALL CREDIT BUREAUS IF I PAID IN FULL WHICH I DID AND THEY HAVE NOT REMOVED IT FROM XXXX XXXX OR XXXX
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I joined Experian 's free membership program as another avenue to monitor my credit. They flood me with credit card offers and other offers to buy services from their platform. I have not accepted any. Suddenly in XXXX my credit score dropped by XXXX points. There was no derogatory ( e.g. late payments, etc ) activity or any other qualifying event ( e.g. closing an account ) that occurred. I requested an explanation for the drop in credit. I never received a response. I did, however ; receive a deluge of credit card and other offers that I could purchase to raise my score back. 

I checked my credit report again. There was nothing derogatory. I checked my score with the other bureaus and my other credit monitoring services and there was no change. I did some research and there are thousands of other individuals complaining that Experian arbitrarily decreased their credit scores for no reason. This seems to be occurring more often since they have monetized their services. 

Shortly after Experian arbitrarily dropped my score, my score began to fall on other platforms. When I make an inquiry it stems from 'derogatory action ' from the Experian score.
Consumer complaint received 2021-02-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Every time I try to file a credit dispute on-line with the major credit reporting agencies system prevents me from doing so. For example when I click SUBMIT on Transunion 's website, I get an error message telling me the system is temporally down and to try again in a few minutes. I know the system is working because I was able to dispute an old address and telephone number. Further, there is no way the system would be down to 2-weeks and it would have been all over the news. Millions of consumers would have reported that the system has been down for over two-weeks. However, when I try to dispute items from XXXX, XXXX XXXX, various other banks and XXXX XXXX Transunion will not let me. I have been trying to dispute these items over 30 times over a 2 week period. I feel like someone is deliberately blocking my attempts to dispute these items. The supporting documents are uploaded successfully, however, the system would not SUBMIT it. Transunion has suspended my account two times in an effort to block me from filing disputes again the banks and XXXX XXXX. In addition XXXX is a third party vendor used by most credit reporting agencies as anyone can see no judgment have been reported by XXXX. This means all of the attorney fees, title fees, property inspection fees, foreclosure fees, court fees, etc. could not have been added to my alleged mortgage. These fees were commingled with the alleged mortgage making it void with legal effect. 

The file entitled credit letter II is the file that I want to use to as the supporting document to dispute the foregoing. The other attached documents as being used to further support my dispute.
Consumer complaint received 2020-11-20
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: CITIZENS FINANCIAL GROUP, INC. (TX)

On XX/XX/XXXX, XXXX - XXXX XXXX add a hard inquiriy on my credit report per XXXX.

On XX/XX/XXXX, XXXX - XXXX XXXX add a hard inquiriy on my credit report per XXXX.

On XX/XX/XXXX CITIZENS BANK add a hard inquiriy on my credit report per XXXX.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AmeriCollect (GA)

I filed a dispute with XXXX and XXXX and they failed to comply with the FCRA 605 B and the 4 day removal of fraudulent items on credit report. They verified a fraudulent account and that is against the FCRA. A fraudulent collection Account called : Americollect Collections-Date Opened : XX/XX/2019 for a balance of : {$720.00}. This account was disputed and XXXX and XXXX refused to remove this fraudulent item and the collection agency failed to remove it as well. Also, they are not reporting accurate information about me as well. I am going to file a lawsuit against the credit bureau and the collection agency if this account is not removed within 10 days. This is not right and you all are violating the law and committing fraud in so many ways. I will not tolerate it. Please remove this fraudulent item immediately! Thanking you in advance for your cooperation.
Consumer complaint received 2024-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc. (GA)

I am writing to formally dispute the accuracy of the reporting associated with a charge-off account under my name, referenced as Account Number [ Account Number ]. This letter serves as a formal request for investigation under the Fair Credit Reporting Act ( FCRA ), specifically in accordance with 15 U.S.C. 1681s-2. 
Under 15 U.S.C. 1681s-2, you, as the furnisher of information to credit reporting agencies, are legally obligated to report accurate information and to investigate disputes regarding the completeness or accuracy of reported information. Additionally, any information found to be inaccurate, incomplete, or unverifiable must be corrected or deleted promptly as required by the FCRA. 
I respectfully request the following : 1. Immediate removal of any unverifiable or inaccurate information from my credit file in compliance with 15 U.S.C. 1681s-2. 
2. A written response detailing the outcome of your investigation within the 30-day period required under the FCRA. 
In light of the legal precedent set in XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, I wish to emphasize the seriousness of this matter. However, I also recognize the importance of resolving disputes amicably and without unnecessary escalation. 
To this end, I am willing to explore a pre-arbitration settlement to resolve this matter promptly and avoid further dispute or potential legal proceedings. Please provide a point of contact to discuss settlement terms, which could include corrections to my credit report, financial adjustments, or any other mutually agreeable resolution. 
If you fail to comply with your obligations under the FCRA or refuse to engage in meaningful pre-arbitration discussions, I will escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Furthermore, I will initiate arbitration or pursue other legal remedies as necessary to protect my rights under federal law. 
I trust that you will take this opportunity to resolve the matter efficiently and without the need for further legal intervention. Thank you for your immediate attention, and I look forward to your timely response. 
Sincerely, XXXX XXXXXXXX XXXX All Rights Reserved Without Prejudice
Consumer complaint received 2022-06-12
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX / XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Uplift, Inc (TX)

I received communication in XX/XX/2019 that there was a loan outstanding in my name ( XXXX XXXX XXXX ) as well as my wife 's name ( XXXX XXXX XXXX ) from an UPLIFT.COM. My wife and I *never* apply for loans online ; we believe that it's something that needs to always be done in person. Furthermore, I have alerts on our 3 major credit bureaus that due to our excellent credit and perceived high net worth, we tend to be a victim of Identity theft. 

I shared this in a letter back to Uplift and heard back from them today ( almost 2 years later ). They've " transferred '' my loan, they claim, to another fintech/bank. So now my personal information is in two places I don't need it to be, not just one. 

The XXXX have been largely a self-policing community but identity theft, and not taking it seriously enough to stop it in it's tracks, is a violation of the FCRA along with several local laws in my jurisdiction ( Texas ). I seek to have an investigation open on this XXXX company - a startup, who's selling fraudulently obtained data ( like mine ) as underperforming loans in order to generate revenue. It's the sad side of capitalism that needs to be addressed firmly and immediately, especially given what many of our families have been through with COVID-19. This XXXX ( Uplift.com out of XXXX XXXX, California ) have gotten " looser '' with compliance issues, not tighter - when they should be doing the opposite.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2020-11-20
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)

I SEND OVER 5 LETTERS TO GET THIS ACCOUNT DELETED ACCOUNT # XXXX ON TRANSUNION AND ACCOUNT # XXXX XXXX 
I CIRCLE ALL THE DATES ON THE AND MISTAKES ON PHOTOS. 
I SEND A LETTER RECENTLY THIS MONTH AND TOLD THEM IT WASNT MY ACCOUNT THEY SEDN BACK UPDATED I DIDNT ASK FOR ANY INFORMATION TO BE UPDATED.
Consumer complaint received 2020-11-20
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Consumer Information : Name : XXXX XXXX Address : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complaint Against : TransUnion XXXX Subject : Multiple and Inaccurate Reporting of US DEPT ED Account # XXXX Details of the Complaint : I am filing a formal complaint against TransUnion and XXXX for the inaccurate and duplicate reporting of my US DEPT ED Account # XXXX. 

XXXX. Multiple Listings : This account is being listed multiple times on my credit report under different entries, which is significantly lowering my credit score. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure that information on a consumers credit report is accurate and not misleading. By listing the same account multiple times, the agencies are violating this statute and unfairly damaging my credit. 
XXXX. Impact on Credit Utilization : The duplicate listings are inflating the balance amounts on my credit report, which inaccurately affects my credit utilization ratio. This is having a negative impact on my credit score, when in reality, it is a single account that should only be reported once. 
XXXX. Incorrect Reporting as a Collection : XXXX is incorrectly reporting this account as a collection, which is false and misleading. Under FCRA 15 U.S.C. 1681s-2, furnishers of credit information must not report information that is inaccurate or misleading. This account can not be reported as a collection one month and then be reported as paid as agreed in the following month. Such inconsistent reporting is a clear violation of the FCRA and is harming my financial standing.
Consumer complaint received 2020-11-20
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. (TX)

I contact XXXX XXXX on XX/XX/2018 and they responded. On XX/XX/2018 I provided further information as to their failure to uphold their own lease terms. 

The constant XXXX XXXX, the lack of the use of Washer and Dryers and money wasted. The neighbors downstairs noise and guest XXXX. My daughter grades are suffering and Im just exhausted with it all. I appreciate so much the opportunity to make a fresh start but my whole life was just crippled by the environment and inability to have space to even relax. Im working sometimes XXXX XXXX to XXXX XXXX and its just constant noise and disrespect of the community. If I try to tune it out then my downstairs neighbor beats the ceiling or slams the door. She is volatile and manipulative and it triggers me to get so depressed because I am upset. I cant function and be productive like this. 

On top of these issues there were several XXXX snd XXXX users on the premises and soliciting drugs to my daughter as she walked to and from school. This company put my childs life at risk snd endangered others. The leasing management partner XXXX XXXX offered me to move properties but all were very similar to the same environment. 

I do not owe XXXX XXXX XXXX NOR XXXX XXXX. There has been no debt verification, validation sent to me ever and I be not resided on this property in over 2 years. 

Until they can provide proof of NOT allowing drug activity on the premises and allowing barred/banned residents to remain in the property and also child XXXX  on the property as it relates to THEIR own terms and conditions and bond agreement then there is no basis for this collection claim and it needs to be removed immediately!
Consumer complaint received 2022-10-10
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC (FL)

On XX/XX/2021, My husband ( XXXX XXXX ) purchased a home for XXXX located at XXXX XXXX XXXX, XXXX Florida. 

In XX/XX/2021, we received an email from XXXX XXXX ( the attorney who handled the closing ) stating we owed her XXXX. I asked XXXX XXXX for a full accounting of my escrow account. XXXX XXXX did not provide any proof the escrow account had any missing money and proceeded to sue me for the XXXX. 

I retained a lawyer in the suit and began research on my case. My attorney XXXX XXXX initially believed I should settle my case with XXXX XXXX. I provided XXXX XXXX with my research and explained we had RESPA, TILA, and TRID violations. XXXX XXXX then conducted his own research and concluded that several mistakes were made at closing that contributed to the errors. One of which was the Lender Veterans United did not follow the 3-day rule with my mandatory disclosures. My closing was on the same day as the disclosure. 

My attorney and I added Veterans United as a third party to the lawsuit. Veterans United failed to respond to our complaint and a clerk 's judgment was issued against them. 

The issue at hand is that veterans united did not follow the rules and issued a buyer 's disclosure with an incorrect purchase price. XXXX XXXX did not find the error at closing and did not balance the escrow account after the transaction, and in the following months. It took XXXX XXXX 6 months to notice the account was missing funds. However, at this point, it is just an allegation at this point because XXXX XXXX has not provided any financial records to substantiate her claims. 

My husband and I are both Veterans and we used our VA benefits to purchase this home with XXXX down, I paid XXXX as earnest money that should have been returned to me in full at closing. Due to the errors made by Veterans united and XXXX XXXX, we did not get refunded our XXXX at closing, and have attorneys fees associated with defending ourselves from their errors. 

We believe Veterans United must fix this problem. We believe XXXX XXXX and Veterans united are both time-barred from collecting the XXXX. 

My husband and I are concerned that Veterans United and XXXX XXXX will drag out the court proceedings in order to bully us into a settlement. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Veterans United is a big corporation. As such we request the CFPB to assist us. A homeowner should not be on the hook for errors caused and created by the mortgage lender six months after the purchase of a home. 

Respectfully, XXXX XXXX, XXXX
Consumer complaint received 2022-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (IL)

Back in XXXX of XXXX I filed identity theft because someone used my information for a cXXXX XXXX XXXX  and I never lived or was associated with the address. It was removed from my report l. Im XXXX of XXXX it comes back on my report and the I explained to the company and the credit bureau. They still has it listed stating I am responsible for the debt.
Consumer complaint received 2022-12-12
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. (MS)

Equifax is in violation of my rights to privacy and the Bankruptcy Act. Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumer report. Equifax is in violation of said section for furnishing this information on my consumer report, that was obtained illegally from XXXX XXXX under false pretenses in which they've obtained from an online electronic system known as XXXX. This is not a dispute, formal complaint nor request for validation or verification but a demand for compliance in regard to your fiduciary duty and affirmative obligation to respect my right to privacy and to protect the security and confidentiality of customers nonpublic personal information. This public record was deleted from my XXXX XXXX File months ago. This will be your final opportunity to harming me and defaming my character. My next step will be taking action in small claims court.