davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CO)

Equifax Credit bureau is my problem. They removed my credit score because I was reported deceased on my oldest account. My grandmother and I had the same first and last name and she passed away 11 months ago. Somehow, our profiles were connected. My credit card company XXXX XXXX  XXXX ) and I have filed over six disputes. I still can not see my credit score. Ive called over 100 times, literally since XXXX only for the problem to continue. Even after Equifax has been notified and aware of the error, 2 accounts was added in error which I had to dispute in order to have it removed. My oldest XXXX  XXXX card has been added back to my report but still showing closed. Removing that account deleted over 5 years of excellent payment history. It damaged the score I did have prior to the score being completely removed. I work so hard to come thus far only to have this happen. I just want to see my credit score which I have not been able to do since XX/XX/2021. I keep being told to just wait 30 to 45 days when following up. Today I was told that I needed to purchase a subscription with Equifax to see my FREE credit score. I did purchase it on myequifax.com and I still cant see my credit score. I am getting completed dispute letters saying my report is being updated but I still cant see the changes or my score. Why is this happening to me? I keep asking for a US representative when I call but keep getting foreign representatives who dont understand me. This has been the most emotional, hurtful, stressful and disheartening experience Ive ever had. I understand mistakes are made but its been months. I just want someone to help me. It has been extremely difficult to keep telling representative, after representative, after representative .... that my grandmother is no longer here. This is a consistent reminder of the pain I feel in her absence. Please help me.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (IN)

At XXXX on XX/XX/21 I received a call regarding a discover card. I do not have a discover card or want one. I have had this call multiple times per day. I told them I am on the XXXX do not call list but they keep calling.
Consumer complaint received 2022-08-21
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. (NC)

XXXX  unverified accounts 

XXXX XXXX : unverified 
XXXX XXXX XXXX XXXX : unverified XXXX XXXX  : unverified 
XXXX  : unverified 
XXXX XXXX : unverified 
XXXX XXXX : unverified
Consumer complaint received 2023-03-08
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. (GA)

the information reporting on my consumer report i requested that this account get deleted from my report because it is innacurate and not correct information for me : XXXX XXXX XXXX - ACCOUNT NUMBER- XXXX the account is is listed above and the credit consumer company is violating several laws and has refused to remove the information numerous times 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 2023-03-23
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. (CA)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I called your department after I purchased a credit report with Experian.com on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative charge off on my credit report. This is disappointing because I has been paying Experian.com to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXXXXXX XXXX XXXX. 
Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: MIDFIRST BANK (AZ)

Hello, I was between jobs and fell behind on my credit card payment. I made the payment to bring it current online, as the account was showing active and also allowed my to transfer into the account. On the app, it shows that the card even has an available balance. As I tried to use the card, it declined. I called and was told it was in a closed status and the card could not be re-opened. I feel that the statement and the mobile application is both deceiving and provides misinformation. The card shows open with an available balance and I brought it current to retain it. This is a poor practice and is very misleading. I want this card reopened as I was led to believe.
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUMMIT FUNDING, INC. (CA)

I closed on my loan in XXXX of XXXX. My impound account had {$6300.00} deposited into it. every month balance was increased by XXXX. When 1st installment of taxes was due I paid it out of my checking account. I did the same for the supplemental taxes. See attached. On XX/XX/XXXX Summit Funding had a total of {$14.00}, XXXX in my escrow account which included an overage for property taxes I had paid out of my checking account. I should have a reimbursement from Summit Funding for the taxes that I paid. Upon logging in this week the balance was now {$4000.00} I requested an escrow analysis they did it and said no refund was due to me. She submitted and escrow research ticket for the lost {$10000.00}. I am worried this company can not manage my escrow.
Consumer complaint received 2021-05-18
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)

I have recently reviewed my consumer reports and I have found that there are items that should be excluded from my consumer reports pursuant to 15 USC 1681a ( 2 ) ( B ). This federal law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card should not be in my consumer report. To have no misunderstanding of the true definition of the lawful meaning of what a " credit card '' is I will state it. Pursuant to 15 USC 1602, a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. By willfully not complying with these federal law makes them civilly and criminally liable.
Consumer complaint received 2021-01-05
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)

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 I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2021-12-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 the hands of the wrong person.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am very disappointed with Equifax it has been over 45 days and I haven't received results nor a response for a fraudulent account they are reporting on my behalf and this is hurting my report significantly therefore this account needs to be deleted immediately. This is not fair at all because it is greatly affecting my credit report due to these inaccuracies on my credit report.
Consumer complaint received 2022-07-04
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. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX, with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attached and help to resolve this matter soon as possible.
Consumer complaint received 2021-05-18
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)

Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : The following account/alleged debts are reporting to my consumer report, I, the consumer did NOT give Equifax any written instruction to do so. This action is an infringement on my right to privacy, and each a violation of the Fair Credit Reporting Act. 

Under 15 U.S.C. 1681b Permissible Purpose of Consumer Reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Under 15 U.S.C. 1681 Congressional Findings and Statement of Purpose ( a ) Accuracy and Fairness of Credit Reporting The XXXX makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for a consumers right to privacy. 

As previously stated, I gave no consent to report this account or its balances to my consumer report, and no consent on my behalf is identity theft. A copy of these laws are included with this dispute letter. I am demanding a deletion of the account, & its multiple balances and balance updates reported on XXXX XXXX 2021
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (WI)

i have applied with AmericaxExpress i was denied because of a XXXX in XXXX they denied me based on past history from 13 years ago, when the US was going thru a crisis meltdown their explanation " Cancelled your previous accounts ' File # XXXX I find this Income Discrimanation to hold something against me from XXXX it violates XXXX laws and the credit reporting that now it has passed the limit, but not to give me a card they are red lining me XXXX XXXX
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 I launched an investgation via the webiste of Equifax to dispute a total of 4 errors that are listed under public record on my credit report. I was given a Dipsute Number of XXXX. 

Under the FCRA Equifax has violated the followingLaws : 15 U.S.C. 1681 ( B ) Equifax failed to provide accurate information as it pertians to me listed under public record on my credit report. Per XXXX XXXX this information could not be verified and therefore should be removed. I have enclosed the letter stating so. 

15 U.S.C. 1681i ( A ) Equifax has failed to notifiy me the consumer within the 30 Day period of my initial request of the investigation of any results. I am unbale to access the dispute number that was giving to me via email through their website. There is no record of my dispute at all.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MI)

Hi I have a XXXX XXXX XXXX XXXX by XXXXXXXX XXXX and it has been reported to all three major bureau 's but for some reason it isn't showing up on my Experian report. I have called Experian numerous times to fix the situation each time a agent at the company tells me they will have a supervisor call me back, and I never receive a call back. I contacted XXXX and Experian to rectify the situation in XX/XX/XXXX and I have had the credit card since XXXX.
Consumer complaint received 2021-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (IL)

SunTrust Bank purchased my mortgage from XXXX XXXX XXXX sometime around XX/XX/2021. I first became somewhat aware of the purchase on XX/XX/2021 through my credit card app which notifies me of changes to my credit report. I figured I would be getting a notification in the mail or through email letting me know where I should be sending my payments now since I hadn't gotten anything yet ( this is not the first purchased mortgage I've been through ). A couple days later I noticed my autopayment for XX/XX/2021 had not gone through with XXXX and got worried. On XX/XX/2021, a Sunday, I got a payment reminder through email from SunTrust letting me know that my payment for XX/XX/2021 was due and had not been received. Since it was a Sunday, no customer service representatives were available to speak with. While I had absolutely no information about my new account, I was able to navigate through a confusing web of automated phone instructions to set up a one-time payment and avoid a late fee using my SSN and property information. On XX/XX/2021 I was able to get through to a customer service representative with SunTrust, again after a confusing web of automated phone instructions, to ask what went wrong and at lease obtain my account number to set up an online banking account. The SunTrust customer service representative said it was XXXX 's responsibility to provide me with updated information. She said that they had gotten a number of calls from people " claiming '' they too had not received information when their mortgage was also bought from XXXX ; however, she assured that they all did in fact receive the appropriate disclosures, likely overlooking them in the mail. I am very careful sorting through my mail, and I've gone back to check my email several times and have never seen any disclosure from either bank about the sale/purchase of my mortgage.
Consumer complaint received 2023-03-23
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. (GA)

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

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

According to : 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 According to : 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 2021-02-13
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. (SC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company (IL)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.