davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
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. (NY)

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 XXXX has me at a score around XXXX. 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX 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 XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2024-10-30
Product: Credit reporting 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. (NJ)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2022-06-27
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. (NY)

XXXX XXXX is Improperly reporting late payments on my account and it is severely affecting my credit. According to the three credit bureau 's the information being reported by XXXX XXXX  was accurate and verified back in XX/XX/2022, however the dates of last activity, dates of last payment, balances as well as late payment statuses are severely skewered. This affects my ability to apply for credit because it is showing up on my reports as a derogatory account, when I have been making on time payments consistently. 

According to FCRA I have a right to privacy and the right to accurate credit reporting, which the credit bureau 's are violating.
Consumer complaint received 2022-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 I received a letter from Bank of America which stated that I had two claims that had been resolved in my favor and deposits were permanently added to my account, the claim amounts were {$3600.00} and {$70.00} for the other, I contacted B of A because I had not had such deposits into my account. For almost 2 hours the rep tried to find a coinciding credit associated with the claim they not only could not refer me to such credit that was in reference to this claim... they then attempted to tell me that this claim was paid back to me in increments over a unknown time period, yet even then they could not combine all credits to reach said amount. This is in reference to claims that were involved in the EDD pandemic payments. I believe it is obivious from this letter dated on XX/XX/XXXX of 2022 they are attempting to avoid what they have been court oredered to pay to customers affected by the edd pandemic account issues by claiming these credits were already paid this is an attempt to subvert paying out on the claims!
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX is Improperly reporting late payments on my account and it is severely affecting my credit. According to the three credit bureau 's the information being reported by XXXX XXXX was accurate and verified back in XX/XX/2022, however the dates of last activity, dates of last payment, balances as well as late payment statuses are severely skewered. This affects my ability to apply for credit because it is showing up on my reports as a derogatory account, when I have been making on time payments consistently. 

According to FCRA I have a right to privacy and the right to accurate credit reporting, which the credit bureau 's are violating.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-11
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. (TN)

XX/XX/XXXX, I submitted an online dispute with XXXX regarding an account on my credit report that I was not familiar with name XXXX XXXX XXXX XXXX XXXX. account number XXXX... I requested a copy of the original agreement for this account which turned out to be a pay day loan of some sort. NO supporting documents were sent only an updated copy of my credit report. 

XX/XX/XXXX, I sent a certified letter to all 3 credits bureaus for them to check into this account and to have the company provide written proof that the account belonged to me and that I signed to have this unknown account opened. When the credit bureaus sent the report back I never received supporting documents that the account was mine and the information was never fixed on my report. In addition to the information not being updated/ verified TransUnion reported and shows that this account was Placed for collectionXXXX, XXXX shows the account was opened XX/XX/XXXX and XXXX shows XXXX account opened in XX/XX/XXXX. 

The information that they have provided does not match. How can 1 Bureau report that the account was opened in XXXX and another one report that it was placed in collection in XXXX. The information is not valid and per the Section 611 of the FCRA, this is in complete violation of my rights that this account was not investigated and sufficient proof was provided. Section 611 states, " ... ..of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate ''
Consumer complaint received 2022-07-11
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. (DE)

XX/XX/2022, 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 2022-10-17
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. (MN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As expected, CFPB and EXPERIAN have disregarded my request AGAIN for the DELETION of the account below which is not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have provided everything you need from my personal information to my FTC which I have filed, but nothing has changed. Now tell me, are you playing around?! XXXX let me inform you that you are NOT COMPLYING with the law. I reached out to the company and they agreed to delete it from my report. Pursuant of FCRA XXXX XXXX ( a ) ( XXXX ) ( XXXX ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than XXXX business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report. And where are those proofs? NONE! You have provided XXXX VERIFIABLE PROOF! I dont want to be so nasty, but please FOLLOW THE LAW! COMLY WITH IT AND DELETE THIS ACCOUNT INSTANTLY! 

XXXX XXXXXXXX
Consumer complaint received 2024-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (TX)

XX/XX/year> XXXX residences charged {$12000.00}. After the services agreed upon were not fulfilled I submitted a dispute to Barclays, XXXX, XXXX, and XXXX explaining the dispute. All of these credit card companies ruled in my favor and removed the charges except for Barclays. Barclays department declined to support and instructed me to take it up with the merchant which I had already tried. After 6 months of discusses with the merchant, they refunded the {$12000.00} and Barclays is still trying to charge me interests and late fees even though I did what they asked me to do.
Consumer complaint received 2022-02-26
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: BARCLAYS BANK DELAWARE (TX)

On XX/XX/2021, Barclays XXXX XXXX by correspondence to me informed me that my billing dispute with ALL IN TICKETS had been resolved in my favor. Furthermore, to quote : " You will see a credit of {$560.00} [ the disputed amount in question ] on your next billing statement. '' From XX/XX/2021 to current billing statement, I have received no credit despite bi-weekly phone and written requests. Barclays XXXX XXXX continues to handle my request for the promised credit as another dispute case to be investigated, then " escalated '' to Dispute Center Managers without resolution. 
I am shocked that Barclays appears to have reneged on its promise of full credit in the amount of {$560.00} after resolving my billing dispute, withholding those funds promised to me in XXXX, XXXX, without further explanation. Barclays XXXX XXXX personnel seem oblivious to the patent facts of this matter, ineffectual in performance of the simple act of compliance with its own decision, in effect having stolen the amount of {$560.00} which rightfully belongs to me, by their own determination!
Consumer complaint received 2022-07-11
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 a account without my written instructions
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX  XX/XX/2022
Consumer complaint received 2022-10-23
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: SCA Collections, Inc. (GA)

SCA COLLECTIONS XXXX -- - XXXX XXXX XXXX DATE OPENED- XX/XX/2022 DATE UPDATED- XX/XX/2022 AMOUNT- {$100.00} ACTIONS TAKEN BY COLLECTIONS - XXXX negative reports on my credit report, that are impacting my XXXX XXXX negatively, and all of this being done as a VIOLATION of my rights. No medical bill should be reported on my credit report if it is below {$500.00}, furthermore if I have not signed a contract allowing them access to my medical information. 

ACTIONS TAKEN BY ME- Dispute was filed ( date is not exact ) 6-7 weeks ago.
Consumer complaint received 2022-09-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CountryPlace Acceptance Corporation (TX)

I had to sign stuff on XXXX via XXXX for appraisal acknowledgment. Construction acknowledgment, Addendums, there's actually an estimate cost. 

I never received an appraisal until XXXX so why did I have to sign an appraisal acknowledgment for XXXX? The house wasn't even on the property yet. 

There are now XXXX different XXXX Easements, and now they took another XXXX ft wide easement because they are extending the road so now 27 feet in the front of the lot are gone. 

XXXX XXXX was never supposed to create the XXXX contract but he did and then the title company sent me the receipted sales contract for it on XXXX. He also was not supposed to have the loan costs in item A change but they did.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX  XXXX, which falls under XXXX  according to XXXX-Debt-Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted. Please delete the following accounts. XXXX  Balance {$12000.00}, XXXX XXXX XXXX {$3600.00}, XXXX XXXX Balance {$10000.00}, XXXX XXXX Bank XXXX {$2500.00}, XXXX  XXXX Bankruptcy reporting.
Consumer complaint received 2022-10-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION (GA)

YOUVE VIOLATED MY CONSUMER RIGHTS, HOW DARE YOU SAY MY APPLICATION IS DENIED XXXX. FEDERAL LAW SUPCEDES YOUR POLICY AND PROCEDURES. CONSUMERS ARE ALWAYS CORRECT. IF YOU DO NOT FOLLOW FEDERAL LAW I WILL HAVE TO TAKE LEGAL ACTION AGAINST YOU 15 USC 1691 ( K ) .READ ATTACHTMENT.
Consumer complaint received 2022-09-22
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: First Technology Federal Credit Union (WA)

I purchased a ticket for XXXX XXXX to visit XXXX for XXXX weeks of vacation using credit card from First Tech Credit Union. My luggage was lost and I filed the lost luggage on the spot. XXXX XXXX did not respond to me until XXXX week afterwards. I had to pay at for the very basic replacements in the luggage and my whole vacation was ruined. I asked for itemized compensation from XXXX XXXX given their policy listed here XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They answered me after 60 days offering a XXXXXXXX XXXX XXXXXXXX. I refused given the very high amount of money I paid for replacements. I contacted my credit card for the dispute over the horrible service I received. After another 60 days of waiting, First Tech denied it without a proper explanation. As a consumer, I am protected by US department of transportation for lost/delayed luggage up to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and by US federal federal trade commission for a bad service that was provided by XXXX XXXX to be XXXX XXXX first tech ( XXXX XXXX XXXX  ). However, First Tech rejected my dispute telling me that I shouldn't have taken the flight. Now that I have used that service, I have to deal with the merchandise itself. 
This is my last time, using First Tech Credit Card.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information as from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2022-10-17
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. (MN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/22, I sent a letter for the inaccurate accounts on my credit report but I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this account within 30 days gives me a reason to immediately correct the accounts on my credit report. They should be promptly corrected. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information, therefore, needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this accounts be corrected immediately or I will file for litigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TN)

On XX/XX/XXXX I was notified by a lender of debt on credit report as a result I reached out to the company and disputed the account as I didn't have a homeowners policy with XXXX XXXX. I contacted XXXX XXXX and both companies told me that if I could send proof with declarations from a different policy they would remove the debt. I have requested validation from XXXX XXXX and the collection agency specifically a signed contract/policy with my signature. What XXXX XXXX sent is backdated for XXXX but dated XX/XX/XXXX and without my signature anywhere. XXXX XXXX is only sending invoices which anyone could produce without a contract of anyone owing or obligated. There was no mutual consent, meeting of minds, nor an offer and acceptance between myself and XXXX XXXX. For approximately XXXX months emails were sent pleading with me to sign homeowners documents. As of today I still have not received any validation from the collection agency despite my requests. When I disputed the debt in XXXX, they didn't send validation. Today, I was told I would receive whatever they had in XXXX weeks but in the meantime with multiple hours of life wasted this fraudulent debt is costing my family more than the XXXX but tremendous distress anxiety and XXXX hospitalization.