davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
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. (IL)

In accordance with the fair credit reporting act XXXX  # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Sections 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-06-29
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. (IN)

On XX/XX/21, XX/XX/21, XX/XX/21, I sent letters to the credit bureaus about inaccurate information being reported on my credit profile and till this day over 90 days later I have not received any type of response from the bureaus. The bureaus are ignoring me and taking advantage of me. To my knowledge there is a code Section 611 ( a ) that states that a failure to investigate these items within 30 days give a reason to immediately remove the items that I am disputing from my credit report.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

!!!! THIS IS NOT A DUPLICATE COMPLAINT!!!! 
I have two complaints about this bank 1- This bank processed a payment {$990.00} un XX/XX/XXXX from my bank account without my authorization After signing an Covid 19 Hardship agreement almost 2 weeks before, I agreed to schedule automatic payments of XXXX every month for 12 months. It doesnt make any sense that I sign an Hardship agreement to reduce my payments to {$110.00} dollars for 12 months and then I authorize them to take from my checking account XXXX dollars. 

2- The hardship contract say that after first 3 consecutive payments of XXXX dollars they will delete all my late payments fees. But I called them they said that is not like that, they will removed late payments fees only for 3 months. 


about XX/XX/2018 We open an account with XXXX XXXX thru Comenity Bank, The credit limit was XXXX, We used the full XXXX dollars, at that sign up with a promotion if we paid the full amount by one year later they will not put interest charges on the loan. After the first year we couldn't pay the total XXXX dollars. So after the first year the started applying I think 24 % of Interest Up today, after 2 years, I had paid about XXXX dollars, so the balance will be XXXX - XXXX equal XXXX plus interest and late charges of course. This month I find out that the balance on this Account is XXXX, making some easy numbers on this process, they are charging me extra XXXX dollars, I think this amount its completely exaggerated after 2.5 years after opening the credit. Today I called them to ask them to reduce the total amount, because due to the coronavirus me and my wife are not working, the denied, they put me on a special plan, that reduce my montly payment to XXXX and charging for 12 months only XXXX per cent. The promised me to remove the late charges, after the call there is a recording saying that after 3 consecutive payments the late charges will be remove. but after I called them again the denied that, that will be removed only 3 late payments. Any way, they are lying, because they are saying only 3 months on the recording that hear after the call. anyway, I dont think that adding adding XXXX to my debt its 100 % exaggerated, I think they are not going by the law. Please Help me with these people, Please please Thank you XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

three times I sent letters about incorrect listed information on my credit reports. 
All three bureaus completely ignored my request to validate the information. Never provided with Method Of Validation .Didnt even reply to my requests.
Consumer complaint received 2020-07-02
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. (NY)

three times I sent letters about incorrect listed information on my credit reports. 
All three bureaus completely ignored my request to validate the information. Never provided with Method Of Validation .Didnt even reply to my requests.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX - XXXX  Account # XXXX - XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX 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 2020-07-02
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. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-07-02
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. (NJ)

I have sent multiple letters to XXXX, experian, and XXXX  about these 2 accounts for XXXX both show an account # of XXXX ... .Each time they state that they conducted a full investigation and that the reporting is verified as reporting 100 % accurately ... ..How is this even possible? see the 2 documents that i have attached..this was pulled today XX/XX/2020 and there are multiple violations and inaccuracies. First off neither say in the comments that these accounts are under dispute, secondly experian and XXXX  are reporting a new charge off ever single month this is killing my credit score ... ..the high credit limits are all reporting different amounts, terms are different, how are they reporting a past due and a balance on a " charged off '' account?, all 3 have different comments, all 3 have different date of last active, As you can see i have listed multiple violations which mean they did not conduct proper  investigations and are just pencil whipping their responses they need to be held accountable for these violations
Consumer complaint received 2021-10-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.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 maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2020-07-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Onity Group Inc. (CA)

Money was sent by wire transfer We have a federal reserve confirmation number The bank says they can not find it. 
They said they will look for it. 
My wife has spent days on the phone and we are getting the run around. 
No one is calling us back. 
We think their should be an audit of this account from the time they aquired this loan from XXXX XXXX.
Consumer complaint received 2023-04-28
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. (FL)

I XXXX XXXX HAS CONTACTED Experian and all listed creditors below multiple times and requested to remove all statements that are being furnished on my consumer report as it violates my consumer right to privacy.Also creditors and Experian failed to notify me of any negative remarks as to fairness to argue inaccurate reporting. All creditors and Experian failed to process my request. Experian and creditors violated 15 u.s code 1681 a ( 4 ) which it stated there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. Experian and creditors listed below need to remove all negative remarks! 

XXXXXXXX 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 2023-03-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Bureaus, Inc. (GA)

THE BUREAUS INC did not have my DIRECT consent to communicate with me. In an attempt to collect an alleged debt THE BUREAUS INC used the medium form of my consumer credit report to communicate an alleged debt to me. THE BUREAUS INC 's actions also displayed this alleged debt information to others that had access to my consumer credit report. THE BUREAUS INC disgraced and defamed my character as a consumer, by reporting this alleged debt on my consumer credit report. These actions are unfair and abusive practices, and are not in compliance with the law. THE BUREAUS INC, has not provided any lawful proof that I signed any agreement/ contract with THE BUREAUS INC that would make me liable for the alleged debt.
Consumer complaint received 2021-05-07
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. (TX)

I received a notice via the CFPB from your firm stating that my complaint requesting the erroneous, inaccurate, and incomplete items on my report to be deleted was not me. I have a legitimate complaint that you are knowingly reporting false, inaccurate incomplete, and unverifiable information on my credit report. I have brought it to your attention now 3 time. I expect this matter to get resolved immediately. 

The items you are reporting are completely inaccurate and incomplete and unverifiable ; and this is a very serious error in reporting on your part. 

Please delete the misleading information ASAP, and provide a corrected copy of my credit profile to all creditors who have received a copy with in the last 6 months or the last 2 years for employment purposes. 

This false information reflecting on my credit profile is causing me mental, physical and emotional stress and is effecting my health. I expect this matter to be resolved immediately. If it is not I will be forced to seek further assistance from the FTC, XXXX, and my states Attorney Generals Office. 

You have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

The date of my first letter complaint wasXX/XX/2021. To date you have failed to follow the rules set out by the fair credit reporting act.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

I had two XXXX XXXX XXXX credit card accounts both with first date of delinquency being XX/XX/XXXX. XXXX XXXX XXXX asserts the first date of delinquency as XX/XX/XXXX. XXXX XXXX XXXX has agreed to remove this aged account from XXXX and XXXX. However, the refuse to correct the date with Experian. XXXX XXXX XXXX is attempting to reage the credit to extend to credit reporting period.
Consumer complaint received 2020-07-02
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. (NY)

I have never opened and or signed for the note loan under the account number in question with XXXX  that is being reported on XXXX and TRANSUNION. When notifying XXXX of this, they validated this alleged loan debt by sending me documentation of a different account number from that which was being reported to XXXX XXXX  and TRANSUNION. 

I forwarded this incorrect information to the credit reporting agencies to confirm the inaccurate reporting. XXXX deleted the information while XXXX and TRANSUNION verified the differing information as accurate and continued to report the information in spite of my request for its deletion. 

In the month of XXXX XXXX reported to XXXX and TRANSUNION that I had made a reduced payment on what was a {$7400.00} balance to settle the debt and bring the balance to {$0.00}. I notified XXXX XXXX and TRANSUNION that I did not make any payments, reduced or otherwise to bring the balance to {$0.00} and I also notified them that I did not open this note loan that the 3 of them are reporting. 

XXXX, XXXX and TRANSUNION continue to report this account with a balance of {$0.00}.
Consumer complaint received 2021-10-21
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-07-02
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: JPMORGAN CHASE & CO. (GA)

I made an online purchase at XXXX XXXX in XX/XX/2020, They said it would be curbside pickup. When I arrived at the store I called the pickup desk and was told my order would be out shortly. after waiting for 30 minutes I went into the store and pulled one of the items I ordered off the shelf and paid at the register. When I was walking to the register a employee ( wearing no name or apron ) asked my name and about my order. I said I would pay for what I had and asked her to cancel the online order. The charge is still on my statement today. I can not reach the credit card company by phone or text, which is how I always contacted them. When I emailed them I was told to call the customer service number.
Consumer complaint received 2020-07-02
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. (AR)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2020-07-02
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. (AR)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2020-07-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (OR)

I paid off my loan for a XXXX XXXX in XXXX. I am unsure of the exact date I paid off the loan, the loan was through Gateway one lending. 

Gateway one informed me that they sent a statement that the loan was paid in full, so that I could obtain the title. I never received this statement. I asked for it a second time, in XXXX. I never received it. Then after I moved to oregon, I asked them to send another copy of this as they clearly weren't sending the proof that my loan was paid in full. I asked them to send it by certified mail, they did not. My change of address form was fully filled out, and all of my other mail has successfully been delivered at my new address, with the exception of information from this one specific lender. 

Then Gateway one was purchased by another bank, Santander. I do not have an account with Santander, I am unable to open an account with Santander, and despite attempting to contact them by phone, I am unable to reach a single human to speak with for the past 2 days. 

When you navigate their phone service at Santander, it is literally impossible to find the correct combination of options to speak with an actual human body. I highly suggest your organization attempt to navigate their phone tree, this will be highly educational : Their title line is XXXX and their main line is XXXX
Consumer complaint received 2020-07-02
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. (AR)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2019-03-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (WI)

I have made several attempts to collection valid information from Americollect Debt Company but the refuse to send me valid verification information and the last letter I sent in XX/XX/2019 I did not receive any response from the company. The unverified debt is listed on my credit reports and I would life it deleted as soon as possible or I will take further legal action. The company also changed the account numbers to XXXX from several other account numbers.
Consumer complaint received 2022-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MS)

XXXX & XXXX XXXX were completing home repairs on XX/XX/2022. The job was suppose to be completed by XX/XX/2022. The last confirmation of the completion of the project was XX/XX/2022. Simultaneously, he was also working on my parents home. My sister was handling that but because he found out that I was the one who was handling the payments he started talking to me. After a couple of days my sister told me that the plumbing work was incorrect and that the septic tanks weren't delivered as promised. He went missing and wasn't returning our calls. We were suppose to sit down and discuss all of this on XX/XX/2022 with him promising to finish my work that day. However that day has come and gone. I finally spoke with them XX/XX/2022 and they are stating the job was completed and no refund or extra work is due. Which isn't the case. I have text and recorded calls that states the he was coming back to finish. They are returning {$2500.00} to my sister because another XXXX was involved and he doesn't was a claim filed against him so he is paying it back. XXXX & XXXX XXXX state that because I disputed the charge on Paypal he isn't willing to refund or come back. I don't want him back at my home, even if it was an option. Unfortunately the paypal payment was a friends and family payment, which I thought it was still covered under the buyers policy. I also attempted to dispute the XXXX XXXX  payment but they don't even offer that unless it is an unauthorized transaction. Now I have to pay someone else to come out and do what he didn't complete or fixed improperly which is going to cause me more money. He isn't entitled to the entire amount. He is only entitled to {$2500.00}. I definitely don't mind paying for what he did complete.