davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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. (VA)

I am filing a complaint with the Consumer Financial Protection Bureau regarding the lack of response from credit reporting agencies specifically for this complaint after multiple attempts to correct inaccurate information. On XX/XX/XXXX, I sent multiple letters to all 3 credit agencies ( XXXX, XXXX, Experian ). 

Experian ; XXXX XXXX XXXXXXXX, XXXX, TX XXXX Tracking number of XXXX, which was confirmed as received on XX/XX/XXXX. However, as of XX/XX/XXXX, I have not received any response via mail and no changes or updates have been made, and I am unable to access their online systems. 

XXXX ; XXXX XXXX XXXXXXXX/ XXXX, XXXX XXXXXXXX. 
Tracking number of XXXX which was confirmed as received on XX/XX/XXXX. However, as of XX/XX/XXXX, I have not received any response via mail and no changes or updates have been made, and I am unable to access their online systems. 

XXXX ; XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX expected delivery date of XX/XX/XXXX. I have not received any response via mail and no changes or updates have been made, and I am unable to access their online systems. 

This specific document requested the following updates ; Personal Updates ; 1.Incorrect Address ; Needs to be ONLY XXXX XXXX XXXX # XXXX XXXX, va XXXX ' ( NO others ) 2.Incorrect Name Needs to be ONLY XXXX XXXX ' no middle name or initial. 
3.Incorrect Employer Needs to be ONLY 'XXXX XXXX XXXX XXXXXXXX XXXX ' ( NO others ) Incorrect credit reporting accounts that are reporting as ; 'Name of creditor ' - 'Reporting Account Number 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 ' According to the Fair Credit Reporting Act, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. The lack of response has prevented me from obtaining credit within the last 30 days, and I have suffered negative impacts as a result. Enclosed with this complaint is a copy of the original correspondence sent on XX/XX/XXXX. This same packet was sent to all 3 Credit bureaus ( XXXX, Experian, XXXX ). 

Thank you, XXXX XXXX
Consumer complaint received 2023-03-03
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)

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights : XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX  Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX Account Number # XXXX XXXX XXXX Account Number # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX  XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX 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 2019-04-08
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: CITIBANK, N.A. (NJ)

I received an unauthorized hard inquiry on XX/XX/XXXX from Citibank Na., Best Buy. I did not authorize this inquiry. and i have had a credit card from Best Buy since XX/XX/XXXX. I attempted to call back and dispute it but i received a letter saying they could not find the inquiry. The inquiry is appearing on XXXX, XXXX  and XXXX from what I saw.
Consumer complaint received 2019-04-08
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. (IL)

I submitted a dispute to re-investigate 9 accounts on my Experian credit file on XX/XX/2019. I received dispute results dated XX/XX/2019. All 9 accounts were either updated or remained. Per the fair credit reporting act section 1681i 6Biii states ... 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; So, on XX/XX/2019 I asked for detailed explanation on who they verified info with and they verified info. 
On XX/XX/2019 I received a letter saying they are unable to honor my request because it is deemed frivolous .... 
How can they say my request is frivolous when its my right under the FCRA?
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (DC)

I have had freezes on my credit since 2012 since I am a victim of identity theft. I acquired personal pins from XXXX and Equifax and set up a XXXX  account to be able to manage my credit going forward. Since I am trying to apply for a mortgage, I have to temporarily lift my credit freeze with all 3 agencies. I had no problem with XXXX  and XXXX, but my experience with Equifax has been horrendous. I started by trying to log in to my account but, despite using the right username and password, was told I had to call. Upon calling and correctly answering all of their automated questions, I was told I had to speak to an agent. Upon speaking to an agent, I was told I had to mail or fax a copy of my drivers license and social security card. While I am INCREDIBLY uncomfortable faxing a copy of my social security card, it was clear I had no choice and so I faxed it in. I have been calling for the last 2 days for confirmation that it was received and keep being told I need to wait 3-5 business days. It is ABSURD that I need to wait 3-5 business days simply for confirmation that it was received. My social security card is just floating out there somewhere and I can not even be told that it was received. And what if it wasn't received? I will need to wait 3-5 business days, try to fax it in all over again, and wait another 3-5 business days. Additionally, I do not have a fax machine ( because who does these days?! ) and so I had to go to a XXXX and spend {$6.00} to fax in my documents. If I have to resubmit, that will be another {$6.00}. I should not have to spend any money to get access to my own information. So now I need to wait, and in this time I can not receive pre-approval for my mortgage and am unable to place offers on apartments that I want. I've already missed out on 2, how many more will I miss out while I wait for Equifax to do their job? During all this, Equifax is telling me that I can not use the pin that I have because they no longer use those ... which is the first I'm ever hearing of this! I was never even notified about that. It is truly incredible that I can have this little control over my own credit and receive zero information from their so-called customer service agents.
Consumer complaint received 2020-06-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CarMax, Inc. (CA)

On XX/XX/XXXX I called CarMax at approximately XXXX to make my XX/XX/XXXX payment. 

The office is in Georgia so they closed at XXXX XXXX  California time. 

The CarMax phone system just told me to call during normal business hours. 

I called that day because I was told by their representative to call and pay by phone. 

Their system gave the same recording that they were closed and terminated the call. 

My younger sister passed away from XXXX the month before, in XXXX XXXX. 

I then made the payment while on vacation in XXXX XXXX early by the next morning. 

Remove the 30 day late from XX/XX/2019.
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (CA)

In email correspondence, I was promised by a representative of Freedom Debt Relief that if I deposited approximately {$420.00} per month into my account, they would settle all of my debts with creditors in 42 months or less. When I asked Senior FDR Account Representative XXXX XXXX on XX/XX/2016 what would happen if FDR negotiators were unsuccessful in settling my accounts within that period, he responded that the 42-month estimate represented a conservative calculation, that in fact the target date was overestimated. He added, We like to under promise and over deliver. He added that if FDR negotiators " get better results you will be dept free a whole lot sooner. Finally, he wrote, 46 months is a worst case scenario. Given that assurance and only on account of that assurance I agreed to sign up with FDR. In recent months, however, they have asked me to approve two settlements that would require me to make payments to the creditors over the next four years. I have refused to do so. I regard these settlements as breaches of my original agreement. In fact, they represent no debt reduction at all, and in fact, since they also require me to pay a fee to FDR for their services, they represent an increase of my original debt.
Consumer complaint received 2022-07-17
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)

Experian, XXXX, and XXXX have so many different discrepancies ' between all 3 accounts and information provided that it has been causing me hardship to obtain new credit or purchase a home. All information should be reported correctly between all 3 but none of it makes sense. I have tried numerous times to contact all 3 credit reporting agencies, but information still does not get updated correctly. As you can see from what I have attached below Experian is giving me 3 different scores across 3 different platforms. Same is with XXXX and XXXX.
Consumer complaint received 2020-06-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Bell Financial Services (OK)

Five months ago we got a payday loan from Belles Finance located in XXXX oklahoma. It was a emergency our tire blew we needed a new tire. We got XXXX We had a installment plan to pay back. 
We did good until my wife list her job du to the new virus. A pon making monthly payments we agreed to pay XXXX A month. They called three to foyr times A day. I'm a XXXX retired veteran I have explained to XXXX that we can send XXXX but that's the most we can do. 
Well my wife got a money order made out to them XXXX two months with a letter asking them to accept it, tjey did but do not come to our house asking for money as they did four times. 
Giving my babysitter a letter to me when she was outside the lady from belles finance pulled up asked her " XXXX XXXX live here " she didn't know how to answer the lady said here give him this letter. It was asking for a payment. 
Then two days later sent another person to the house asking for money on top of calling over and over again. 
My wife told them in a letter and face to face do not come to my property you are not allowed. If you continue to harass or call demanding money then this loan would be paid in full. They are very rude and have no problem seeing you in the gas station asking you for money as well. Giving put personal information about the debt u owe them. 
I have paid but seems as if more more more interest is added as well. 
I am done. They have harassed my family, kept coming to my house after being asked not to several times. so I will be sending a certified restricted letter to them in XXXX, proof of sent asking them to case and dismiss. For the inconvenience and harassment caused my stress level to rise. I'm a 22 year vet served war four times. I have XXXX I'm XXXX XXXX. I suffer from XXXX XXXX XXXX XXXX   XXXX, I have a XXXX XXXX, XXXX XXXX XXXX, and XXXX. 
We have tried to reason with them. please help me.
Consumer complaint received 2022-07-17
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. (IL)

XXXX, XXXX, and Transunion have so many different discrepancies ' between all 3 accounts and information provided that it has been causing me hardship to obtain new credit or purchase a home. All information should be reported correctly between all 3 but none of it makes sense. I have tried numerous times to contact all 3 credit reporting agencies, but information still does not get updated correctly. As you can see from what I have attached below XXXX is giving me 3 different scores across 3 different platforms. Same is with Transunion and XXXX.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

please find attached the police report and the FTC report for the items that are reporting on my credit file, by mistake or fraud. 
i have tried to fight with the bureaus and it has been unsuccessful, i need your help in order to remove these inaccurate public record and the XXXX account from my credit file. Equifax is reporting a Bankruptcy that does not belong to me, and XXXX is reporting the XXXX account that was opened fraudulently under my name, they have placed back the XXXX with out even considering me had been a Victim of ID Theft, please help me to remove these inaccuracies.
Consumer complaint received 2023-03-03
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. (MA)

in accordance with the credit reporting act XXXX XXXX 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 Also states a consumer reporting agency can not furnish a account without my written instuctions.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (FL)

I checked my credit recently and saw charges from Navy Federal. I called the police they instructed me to file a report with them, then go to FTC.gov and file a identity theft report. I filed the report has instructed by the police. After I filed the report it was taken off my credit then I started receiving letters saying they investigated and reviewed its me. The address that was stated where the card was applied for was a address in have never gotten mail from.
Consumer complaint received 2024-09-09
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX2024 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Correction of Discrepancies on Credit Report Dear Sir/Madam, I am writing to formally dispute inaccuracies and discrepancies on my credit report as provided by your bureau. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy of information reported, and I am requesting an immediate correction of the errors detailed below. 
Discrepancies Noted : XXXX. I.C. System, Inc. ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * Discrepancy : Incorrectly reported as a collection account on some reports. 
* Details : * XXXX  : Balance {$340.00} ; Payment Status Seriously past due * XXXX  : Balance {$340.00} ; Payment Status Placed for collection * XXXX : Reported as current, no collection status. 
Requested Action : XXXX. Please investigate these discrepancies and provide a detailed explanation for the inconsistencies. 
XXXX. Correct the inaccuracies and update my credit reports to reflect the accurate information. 
XXXX. Send me written confirmation once these corrections have been made. 
I have attached copies of my credit reports from each bureau highlighting the discrepancies for your reference. Please address this matter promptly and in compliance with the FCRA. If further documentation or information is required, please contact me at the above address. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

I have a XXXX XXXX Visa credit card which is owned by Citigroup I called them last month to make a payment to my account I asked the representative how much I still owed in order to know how much to pay. The representative gave me the amount that I still owed. 

I then asked the representative to use my Bank XXXX XXXX account to pay XXXX I have two accounts linked with them. I have a Bank XXXX XXXX account as well as a XXXX XXXX XXXX account. 

A week later I noticed three 32 dollar overdraft charges on my XXXX XXXX XXXX account and realized that the agent must have mistakenly used that account instead of the Bank XXXX XXXX account I requested him to use. 

When I called XXXX XXXX Visa to tell them about the error and to request that they reimburse me for the associated fees and interest charges they asked me to send them a copy of a statement showing the fees. I faxed them a copy. 

When I just called them back to follow up with this issue I was told an investigation was done and they determined they did not make any error in processing the payment. I told them this was a mistake and that the recording of the call would be proof of me telling the agent to use the Bank XXXX XXXX account and not the XXXX XXXX XXXX. When I asked to hear the call they refused and said the only way would be to get a lawyer and subpoena the call. 

I can not afford to do this so I am not sure what I can do at this point but I know I gave them the correct information.
Consumer complaint received 2020-06-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I HAVE FOUND AN INCOMPLETE AND INNACURATE ACCOUNT ON MY CREDIT REPORT AND HAS BEEN DISPUTING THIS ITEM FOR AWHILE..I SENT IT TO THE COLLECTION AGENCY ON XX/XX/2020 WITH NO RESPONSE, THEN I SENT IT TO TRANSUNION ON THE XXXX OF XXXX ASKING THEM RESPONSE WITHIN 15 DAYS.THIS IS CAUSING ME GREAT STRESS