davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This complaint is against the credit reporting bureaus Transunion and XXXX. I only have two open accounts which I have been progressively paying off all of my outstanding debt and have been receiving either no score change, too sharp of a decline in score, or too little of an increase in score. I have attached evidence obtained from XXXX XXXX to support my claim. In particular, there has been one recent instance with XXXX, whereby my open credit card account balance was duplicated on my report, such that it appeared that I had two XXXX XXXX  accounts when I only have one open account, and when XXXX finally removed the account from my report, I received a decrease in credit score. Throughout this year dating back to XX/XX/2021, the credit bureaus have either chosen to not administer a change in score, administered a score of only +1 or +2 pts, or rushed to administer a decrease in score that does not match the change in activity that is supposed to be the basis for the score change. I am hereby asking the CFPB to step in and confirm that my credit reports are being legitimately composed and updated by the credit bureaus Transunion and XXXX.
Consumer complaint received 2021-10-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (FL)

On XX/XX/2021, National Recovery Agency removed 3 accounts from my XXXX and XXXX. They failed to removed account from my XXXX. After months of requesting validation, XX/XX/2021, XX/XX/2021, XX/XX/2021 & XX/XX/2021 I sent an affidavit of Truth! They were not able to provide such validation, Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g. 30 days is given to investigate or respond to said request for debt validation. I did not receive validation, but accounts were removed from XXXX and XXXX only, after several attempts of requesting.
Consumer complaint received 2022-06-21
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. (TX)

To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

XXXX XXXX Account # XXXX Date opened - XX/XX/20
Consumer complaint received 2021-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau of Jamestown, Inc. (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (MA)

I have a free membership with Experian, so they send me promotional messages and notifications. They sent me a promotion for a Bill Negotiation service, where they negotiate to lower certain bills for you. The cost of this service is 40 % of a year 's savings. I signed up for this service in mid-XXXX  and they reported that they were able to save me {$50.00} a month starting in XXXX, totaling {$600.00} on my cable bill. I could either make six monthly payments or pay in full. I chose to pay the full {$240.00}. When I received my XXXX bill, it was not lower. I contacted XXXX and they had no record of my bill being negotiated. I then contacted Experian and the rep told me to email them the bills and they would investigate immediately. I sent them the bills and have emailed them several times since then with no response. I have now received my XXXX bill which is still unchanged. XXXX confirmed through their chat function as well as over the phone that they were never contacted by Experian.
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (FL)

As consumer and creditor I submitted consumer credit application for financial product of Barclays via Application XXXX XXXX XXXX XXXX Mastercard and Application : XXXX JetBlue Mastercard. 
Company per 18 U.S. Code 1951 delayed processing application via 15 USC 1611 unfair, deceptive and discriminatory practice in violation of 42 USC 408a8 to compel disclosure via U.S. mail front and back of 15 U.S. Code 1693a ( 1 ) social security card despite right of refusal per 31 CFR 1.32 ( c ) in accordance to United States social security administration privacy and confidentiality agreement. Notice of cease and desist subjection to credit approval as unlawful conversion of 12 CFR 226.2 ( 14 ) secured right to credit via credit application against prohibit basis in good faith exercised any right under the Consumer Credit Protection Act. Barclays obtained consumer report from XXXX and has not provided 12 CFR 1002.2 open-end account for consumer credit upon request in accordance with completed consumer credit application and notary witness affidavit via US passport credit device. 15 USC 1602p unauthorized use of social security adminstration credit card number despite secured application per 15 USC 1692j. request documents have been attached despite unfair practice of Barclays to compel document in violation of personal right of privacy.
Consumer complaint received 2021-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Consumer complaint received 2021-10-07
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: EQUIFAX, INC. (GA)

On XX/XX/2021 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 by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those 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 de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-10-07
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. (CA)

I have disputed multiple times the following account with TransUnion ; XXXX XXXX XXXX ( Opened XX/XX/2021, Balance {$17000.00}, Original CreditorName XX/XX/XXXX XXXX ). The last dispute was sent on XX/XX/2021, see attachment.To this day TransUnion have not respond to my disputes and they still reporting this unverified debt
Consumer complaint received 2021-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc. (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The XXXX XXXX XXXX chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-06-21
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. (IN)

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. 
XXXX  Account # 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 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 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-10-06
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)

XXXX XXXX XXXX is in violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. XXXX XXXX XXXX is reporting numerous missed payments on my credit report. Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''
Consumer complaint received 2021-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BCI FINANCIAL GROUP, INC. (FL)

Greetings, This is a ongoing problem that's caused serious hardship. I have been with this bank since XXXX. I have all my statements. I asked for help but here 's a list of unjust treatment : 1.Allowing double billing from XXXX XXXX  XXXX 2. Allowing payments to be honored even when proof was given 3. Refusing to complete complaint form- stating it is a " merchants accounts '' and they don't get involved.

4. Ghost billing- taking money out of my account twice- for example- held {$1400.00} and {$1700.00} in the pending category which CAUSED a NSF. However, why? I only have one car and showed them my original contract but that didn't matter. The only thing posted was the {$1400.00}? But the {$1700.00} is lost somewhere in banking heaven. It was held, and never returned. This transactions doesn't appear on the original bank statement. But I have proof.

5. I deposit {$400.00} cash in the ATM but it didn't posted into my account. I brought this to the bank 's attention and showed the receipt. They put it back but later took it out. I only found this out later. I want my {$400.00}.

6. The deposit are received and posted on different days, which caused NSF 7. The monthly charges are different 8. Refused to give me Disclosures forms. 
Dates XX/XX/XXXX billed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ATM This has cost my business a great hardship. I was told by the representative " the bank consider you a risk ''. Asked for more information and disclosure. They refused. This is my business account.
Consumer complaint received 2021-10-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (GA)

Army & Air Force Exchange Service ( AAFES ), including XXXX XXXX XXXX ( XXXX ), I set up payment arrangements with AAFES and XXXX  ( the same entity ) and met my payment obligations. The debt was initially for USD XXXX, and I made payments totaling over USD XXXX ; additionally, my Federal Income Tax Refund for 2020 was garnished at USD XXXX. 

AAFES/XXXX alleges I still owe USD XXXX and has reported their error to all three credit reporting companies of XXXX, XXXX, XXXX.
Consumer complaint received 2021-10-07
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: Experian Information Solutions Inc. (VA)

This is me writing this complaint. I know you think regular consumers do not follow or know the law, but you are sadly mistaken. Do not send me anything requiring more information because you have everything you need to verify my identity, my credit file, and you know the inaccurate account that needs to be removed from my account. Do not send or reply back with anything telling me this is not me writing this complaint. 

I currently have an open CFPB complaint with Experian for their disregard to investigate my claim stemming from a letter received before XX/XX/2021. It is now XX/XX/2021, which now makes it OVER 60 days since they have failed to do a reasonable investigation pertaining to an inaccurate account from XXXX  XXXX XXXX in my consumer credit file. 

You have failed to respond in writing to my dispute and have failed to conduct a reasonable investigation in over 60 days. If Experian had done so, they would see this information is inaccurate, in addition to me providing them with knowledgable documentation that they are reporting inaccurate information in regards to a XXXX  XXXX XXXX account on my consumer credit file. 

You are in violation of 15 U.S Code 1681 for inaccurate and unfair reporting methods. You are willfully and knowingly furnishing information you know to be inaccurate according to 15 U.S Code 1681n and 15 U.S Code 1681o. I will seek to receive no less than {$1000.00} per violation in addition to actual and punitive damages for this inaccurate information. 

You have not only failed to remove this inaccurate account from my consumer credit file, you have also appeared to re-age this account. Experian has updated and changed information on this account with no communication with me and they seem to do so as they please as if this is not MY consumer credit file. 

I have also requested a description of the reinvestigation procedure in the past and they have not sent me that information within 15 days according to 15 U.S Code 1681i.

I have kept every single piece of communication between me, the consumer, and Experian, the credit reporting agency, and will use this information in federal court if I have to.
Consumer complaint received 2022-06-21
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. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX Account NumbeXXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-10-07
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. (OH)

This is a follow-up over an issue I have over Complaint Number XXXX. I also request to see a certified copy of any contract or agreement between XXXX XXXX XXXX and the original creditor that I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX. I had a dispute with the original creditors that has been resolved and yet the negative items still remain on my credit report. I file this complaint back in XXXX of this year and never recieved any letters back from the credit bureaus or the 3rd party companies.
Consumer complaint received 2021-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

After filing and identity theft report with the FTC regarding attempt to gain credit access, accounts were not opened but inquiries were still placed. Sent XXXX, XXXX and Transunion Method of Verification Letters. Requesting who, when, documentary evidence, and title of the alleged creditor, they conducted an investigation with since they claimed accounts were verified I have not received any evidence. inquiries and an account XXXX  account being disputed was just updated and verified again with no proof. 15 USC 1692j furnishing deceptive forms, when XXXX and XXXX mailed forms with claims that accounts were verified, they violated federal law. Federal law requires and investigation as conducting interviews not scanning through eoscar. I am a federally protected consumer and natural person and these credit agencies are civilly unwilling to comply 15 USC 1681n
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

I've been battling with Experian since XXXX regarding the bankruptcy they're reporting. 
At first they claimed that XXXX XXXX was the furnisher of information regarding bankruptcy. 
XXXX XXXX deleted bankruptcy. I brought that to Experian 's attention. Then Experian claimed the Courthouse gave them the bankruptcy information. I sent Experian a copy of letter from both the Courthouse and XXXX, both stating that they do not report to any consumer reporting agencies nor do they confirm bankruptcies. Furthermore, due to privacy issues no one 's full social security number is ever listed in XXXX therefore making any supposed bankruptcy unverifiable. When a disputed item is unverifiable it must be deleted by the credit bureau. 
Experian has basically committed fraud by switching up who they say the data furnisher is and that bankruptcy has been properly validated/verified. Experian is in violation of the FCRA and my consumer rights.
Consumer complaint received 2021-10-07
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. (GA)

I have submitted numerous forms to transjunior regarding identity theft XXXX and unotherwise heart increase on my credit report I have also notified XXXX and XXXX who the phone do tperform due diligence and removed such inquiries without hassle hassle TransUnion refuses To remove increase even though the other 2 credit bills have done so Due to the assessive inquiries on my transjunior I'm unable to receive funding which is necessary to provide for my family causing it it extreme hardship and I desperately need this resolved I have a total 3 inquiries on my XXXX and XXXX but I have 35 on TransUnion which is evident that there is something going on and changing refuses to supply me with proof that such inconvenience are indeed verify despite correspondence I have it's called response I have submitted requesting asking for such information