davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2022, I requested an investigation on behalf of my clients for some items that did not seem correct on her credit report. I provided specific reasons why the accounts were being challenged along with specific instructions on what should happen to the account in the requested information could not be provided within 30 days according to the FCRA. 

40 days went by and the items still were appearing on my credit report and the method of verification still was not provided. 

On XX/XX/2022, I requested a re-investigation into those same accounts with the same results. Nothing was removed and the method of verification has not been provided. 

It is now, XX/XX/2022, and the accounts in question are still showing on my credit profile and are listed below along with the reason for the investigation. 

XXXX  XXXX Bankruptcy XXXX XXXX is this reporting on my credit report when the courts do not communicate with the credit bureaus? 

XXXX XXXX XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX This is a pay per delete account XXXX XXXX This is a pay per delete account DEPTEDXXXX XXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account XXXX XXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX  XXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account XXXX XXXX XXXXXXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXXXXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 


XXXX XXXX XXXXXXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX XXXX This is a pay per delete account XXXX XXXX  XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX XXXX XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX XXXXXXXX This is a pay per delete account
Consumer complaint received 2024-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (NY)

Dear CFPB, I am writing to file a formal complaint regarding the actions taken by Barclays Credit Card concerning my Barclays XXXX XXXX Card. I have been a customer with Barclays for over five years and have consistently managed my account responsibly. However, I have faced ongoing issues with the company, including unresolved disputes, blocked account access, credit limit reduction, and unjust charges. 

Details of the Issue : 1. XXXX XXXX XXXX XXXX XXXX XXXX  Barclays blocked my Barclays XXXX XXXX Card without prior notice or explanation. 

Since then, I have provided all requested documentation three times to resolve the issue, but the card remains blocked, and I have not received any clarification on the status of my account.

2. Credit Limit Reduction : Last week, without prior notice, Barclays drastically reduced my credit limit from {$20000.00} to {$250.00}. 

This action has severely impacted my credit utilization ratio and may harm my XXXX XXXX, compounding the inconvenience I have already experienced. 



3. Unjust Interest Charges : Despite my account being locked since XXXX, Barclays has charged me interest fees twice during this period. 

It is unjust to impose such fees when I have been unable to access or use the account. 



4. Unresolved Dispute : Approximately a year ago, I filed a dispute with Barclays regarding a transaction. Despite following up multiple times, this matter was never resolved. 

The lack of action on this earlier issue further demonstrates a pattern of poor customer service and disregard for addressing legitimate concerns. 




Attempts to Resolve : I have provided the required documentation three times as requested by Barclays, yet no action has been taken to unblock my card.

I have repeatedly contacted their customer service team to seek clarification and resolution, but I have been met with vague responses and no meaningful assistance.

I also followed up on the unresolved dispute from last year several times, but it remains ignored.

Impact on Me : The prolonged card block has caused significant inconvenience, as I have been unable to use it for essential expenses. 

The reduction of my credit limit has negatively affected my financial flexibility and may have long-term consequences for my credit standing. 

The unjust interest fees and unresolved dispute add to my financial burden and demonstrate a lack of fair treatment by Barclays.
Consumer complaint received 2022-06-25
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. (LA)

In accordance with the Fair Credit Reporting ACT XXXX  Account # XXXX with 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 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I am writing to formally dispute the fraudulent accounts and inquiries you have reported on my credit file. I have never conducted any business with your company, nor with XXXX XXXX, XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX. I did not authorize any of these companies to access or report on my credit. This is a clear breach of my privacy and a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Here are the key facts : XXXX Fraudulent Account : I was the victim of identity theft, where a fraudulent XXXX account was opened in my name. After contacting XXXX XXXX they confirmed the fraud and closed the account, as verified by XXXX XXXX XXXX However, despite this, Credence has inaccurately reported this account on my credit report. 

XXXX XXXX Fraudulent Account and Inquiry : I have never had any business with XXXX XXXX, yet a fraudulent account and inquiry have appeared on my credit report in their name. This is unauthorized and must be removed immediately. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : I have never done business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and their inquiries on my credit report are fraudulent. I did not authorize these inquiries, and they violate my rights under the FCRA. 

These actions constitute violations of : FCRA ( 15 U.S. Code 1681s-2 ) XXXX and the above-mentioned companies are reporting inaccurate and unauthorized information to consumer reporting agencies. 
FDCPA ( 15 U.S. Code 1692e ) False representation of a debt, as I have no legitimate relationship with these companies. 
FCRA ( 15 U.S. Code 1681b ) These companies had no permissible purpose to access or report my information. 
I demand the immediate removal of : The fraudulent XXXX account and any associated negative information reported by XXXX. 
The fraudulent XXXX XXXX account and inquiry. 
The unauthorized inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 
I expect written confirmation that all of this information has been removed from my credit report within 10 business days. If this matter is not resolved promptly, I will proceed with legal action for violations of the FCRA and FDCPA, and I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Better Business Bureau ( BBB ).
Consumer complaint received 2022-06-25
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. (LA)

In accordance with the Fair Credit Reporting ACT XXXX  Account # XXXX with 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 2022-06-25
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. (LA)

In accordance with the Fair Credit Reporting ACT XXXX  Account # XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-06-25
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. (OH)

I requested all bureaus do an investigation on the account I have listed below. 

According to the FCRA, 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. 

Transunion and XXXX stated my account was accurate/updated ( pages 3-9 attached document ) but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 U.S.C 1681 everything has to be 100 % accurate. I have the credit report showing/highlighting the inaccuracies ( pages 1-2 attached document ). 

Account : XXXX : XXXX ( Transunion ), XXXX ( XXXX ) Also, In accordance with the Fair Credit Reporting Act, 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-07
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: Cascade CISS Holdings, LLC (GA)

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 XACTUS XXXX XACTUS XXXX XXXX XXXX XXXX XXXX XXXX XACTUS-AVANTUS XXXX XACTUS-CP  XXXX DETAILS : TO WHOM IT MAY CONCERN, MY VEHICLE LOAN IS WITH XXXXXXXX XXXX XXXX XXXX XXXX I DID NOT AUTHORIZE XXXX XXXX TO SHOP MY CREDIT WITH XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THIS IS MERELY HOW THEY DO BUSINESS BUT WITHOUT MY CONSENT. 
SECONDLY, I DID NOT AUTHORIZE XACTUS OR XXXX XXXX  TO RUN MY CREDIT REPORT. I SIMPLY SPOKE TO LENDERS ABOUT MY OPTIONS TO BUY MY FIRST HOME. 

PLEASE CONTACT ME FOR ANY FURTHER INFORMATION THAT IS NEEDED FROM ME. THANKS FOR THE TIME AND HELP.
Consumer complaint received 2022-06-25
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. (LA)

In accordance with the Fair Credit Reporting ACT XXXX, Account # XXXX with 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 an account without my written instructions.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

Chex Systems is reporting that I have open accounts and derrogatory checking accounts that do not exist. I've asked for copies of account information in which they can not provide. Because of this- and I'm assuming it's fraud- there are multiple banks I can not do business with in regards to opening checking/savings accounts, HELOC 's or even car loans. Please advise.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The credit inquiries that are listed on my credit report arent mine. I have not applied for anything at all. I also put that if anyone applies for credit the credit bureau will have to reach out to me. None of these companies called me so someone is out here applying for credit and none of The companies called to verify that its me. 


XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XXXX XXXX XXXXXXXX XXXX XXXXXXXX date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America advertised a promotional no-interest cash advance program when logging into my credit card account using the Bank of America App . The promotional program offered " 0 % interest on a cash advance for 12 months ''. The promotional splash page clearly indicated that a 3 % charge on the cash advance amount would be incurred, which I was happy to pay, and that repayment of the cash advance amount would not be due for 12 months. I registered for the program online immediately for a {$2500.00} cash advance and was approved. I called Bank of America following issuance of my next statement to confirm that I could pay my balance less the cash advance amount and not incur interest charges. The BOA representative told me " yes, you can short pay your statement by the {$2500.00} cash advance amount and not incur interest ''. I followed the BOA guidance, but was still charged interest on my subsequent statement and called Bank of America a second time to clarify. It was then explained that he only way to incur 0 % interest for 12 months was to stop making purchases on my credit card until the cash advance amount was paid off. Indeed, it was in the fine print, but nowhere in the program advertising, that all purchasing activity must cease in order to avoid interest charges on the cash advance amount. I filed a complaint with BOA as a deceitful advertising practice, and BOA still refused to refund me the 3 % program fee of {$75.00}, and now I'm in the position of paying back the cash advance in full immediately to avoid future interest charges. I feel the advertising of the program was highly deceitful and designed to misinform customers to the benefit of BOA.
Consumer complaint received 2023-06-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Williams & Fudge, Inc (FL)

Around 2016 I attended XXXX  XXXX college, during one of my semesters I was in a bad XXXX XXXX and I was not able to complete my classes. I emailed asking to withdraw and spoke about my situation, at the time I asked them if anything would be owed and I was told no. The next semester I enrolled in courses and practically at the end of my semester I was told that if I didnt pay for the previous semester ( the same one they told me I didnt owe for ) I wouldnt be able to continue the current one. That led to me being withdrawn from my classes again and owing for both semesters. I earned a grant which expires soon to pay some of what was owed, they would not accept it. Theyre withholding my transcripts and have sent it to collections though I have tried getting assistance multiple times. It has been years and I still can not attend school. This is unfair as I cant afford to pay {$5000.00} for access to my transcripts.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-25
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. (LA)

In accordance with the Fair Credit Reporting ACT XXXX, Account # XXXX with 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 an account without my written instructions.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 2022-06-25
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. (IL)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions Account name ACCOUNT XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$350.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$350.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$350.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
Consumer complaint received 2022-06-25
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. (LA)

In accordance with the Fair Credit Reporting ACT XXXX  Account # XXXX with 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 an account without my written instructions.
Consumer complaint received 2022-09-19
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. (OH)

Transunion and XXXX are saying I was past due 30 days with XXXX. I was never late with them I've complained to XXXX and they stated I was never late both verbally and by letter. I dispute over and over. XXXX responds everything reporting is correct never late. Transunion responds everything reporting is correct 30 days late. I've called XXXX and they stated they would send statement as such to Transunion but they still will not remove. I've tried everything but you or an attorney