davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-21
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. (IL)

I had a bankruptcy fall off my report and my score went up 60 points. A week or so later, my score went back down the exact amount of points. I looked at my credit report and the bankruptcy is no longer there, so why didnt my credit score go up and stay up?
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (TX)

15 u.s.c 1681 section 602 a. states I have the right of privacy.

15 u.s.c 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason. 

EXPERIAN REPORTING INACCURATE INFORMATION XXXX XXXX ACCOUNT ; EXPERIAN -LATE PAYMENT XX/XX/2016 XXXX NEVER LATE XXXX NEVER XXXX
Consumer complaint received 2022-01-04
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. (NC)

I have disputed on multiple occasions with Experian, the data regarding my XXXX Department of Education student loans. I have personally written XXXX a letter explaining the dates in which they claim I missed payments, the dates they claim I never made payments, and the dates in which I showed receipts for payments that I had made, to no avail. My student loans are not even held by XXXX anymore, which is beside the point all of my student loans have been consolidated into one loan and I still have derogatory marks on my credit report showing that I missed payments and I have never missed a single payment I have always been in forbearance or part of a repayment program. I have submitted copies of my receipts for dates that they show I missed payments to both XXXX and Experian and nothing changes every time I file a dispute. I run a XXXX XXXX which is a XXXX XXXX which is the only income for my family of XXXX children and wife, my only option for credit is through personal credit not business credit therefore these derogatory marks from XXXX which is absolute bogus, are creating an extreme hardship on me and my family. I hope you guys can get something more done than I have been able to.
Consumer complaint received 2022-06-09
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: BMO Bank, N.A. (IL)

There is a transaction on my credit card statement posted on XX/XX/2022 from XXXX & XXXX XXXX for the amount of {$1600.00}. I have returned this purchase and it was delivered back to the merchant on XX/XX/2022 ( XXXX tracking XXXX ), yet I have been unable to receive a refund from XXXX & XXXX XXXX. For this reason, I need this transaction disputed and {$1600.00} credited back to my BMO Harris credit card. I have tried to initiate the dispute online on BMO Harris banking portal but it seems to be impossible to do so. I have also tried calling XXXX to reach BMO Harris credit card dispute department, but it seems like I am being kept on hold forever and nobody ever picks up the call despite a long wait no matter what time of the day I'm calling.
Consumer complaint received 2020-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$2800.00} XXXX  XXXX {$8800.00} XXXX XXXX {$520.00} XXXX XXXX {$3800.00} XXXX XXXX {$19000.00} XXXX XXXX {$4000.00} XXXX XXXX $ XXXX XXXX {$4000.00}
Consumer complaint received 2022-01-05
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. (NJ)

To CFPB, I recently submitted a complaint also filled a FTC report regarding my credit file and how the negative accounts I listed in my dispute with experian as of today XX/XX/1922 I have not gotten any updates or status reports as I stated in my disputes which I sent out last month XXXX XXXX the company Experian has repeatedly ignored my request for a thought investigation and failed to provide me with written documents or any information pertaining to my file, however they have only updated my accounts and in fact re aged them to harm my credit further, this is a clear violation as I stated in my letter Ive requested verification evidence that proved or shown that I was responsible for the accounts they have listed and they as well as the companies making these accusations failed to do, someone clearly has opened these accounts without my knowledge and I want them removed rather then for the reporting agency to update its been well over a year of me requesting this method and to no avail Ive clearly requested my 611 laws as well 609 By The FCRA bylaws and they have ignored me time and time again Im now looking to bring legal action against the credit bureau as my rights are being violated Ive even provided my propers name and addresses as well as proper spelling of my name and experian has deleted the inquiry but still chosen to keep the negative accounts that has another name that is not mines listed they have blandly disregarded the laws you have set forth and are running amuck how can they have accounts on my profile with different names not associated with me but on mines as well as still reporting things that were removed from other bureaus but they are only reporting it wrong this is not right!
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act 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 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 2021-08-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disputed this public record reporting in error and asked for an investigation, verification, and deletion over 6 months ago. The Credit Bureaus have NOT provided verification per the FCRA and falsely stated that the courts verified this public record, however, enclosed in a letter from the courts stating that they DO NOT verify anything with the credit bureaus.
Consumer complaint received 2022-05-03
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. (MD)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-05-03
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 XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, DEPT OF ED/XXXX  Account # XXXX, XXXXXXXX XXXX XXXX XXXXccount # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Bankruptcy Reference # XXXX, has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-03
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: CCS Financial Services, Inc. (IL)

In XXXX someone with the same name opened XXXX  account and their account went to collections. They reached out to me and I was threatened into paying off the debt at the risk of ruining my perfect credit. They did not inform me of my right to dispute the account and forced me to give them my credit card information. Earlier this year I was made aware of my right to challenge the validity of any debt so I sent this company a certified letter on XX/XX/XXXX, they received this letter on XX/XX/XXXX. 

The letter sent to them was a request they validate this debt. They failed to respond within 30 days with any information including a response letting me know they opened an investigation. 

The only information they have that ties me to this account is my credit card information they got from me at the time of the collection to pay off this debt. I used my own money to pay for someone else 's debt. They need to delete this off my credit reports or provide me with proof that this debt belongs to me.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CA)

Hello, I made a payment for my leased Vehicle on XX/XX/XXXX and it was taken from my bank account. Per GM when i looked at my credit report it was reporting late when in fact on the website it reflects the payment was processed. I went to my bank, got a copy of my bank account and a personal banker faxed it on my behalf. I reached out to GM once again and they advised to call back in 5-7 business days and they will correct the payment. It has now been longer and they did not remove the negative remark from my credit nor have they applied the payment. My credit score is well above 750 and this negative remark has caused a burden on the financial stability i can offer my family. I am not the average consumer and have never been late with any payment. I am requesting GM to apply the payment with the proof i have submitted along with taking off the negative remark from my report. The information on the website of GM also contradicts what they are reporting to my credit. Please ask them to correct this.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NH)

My husband and I have had the same checking account with TD bank since XXXX. Recently his debit card was used for purchases that he did not authorize. It began in XXXX of XXXX, when he received a phone call asking about 5 specific charges to XXXX. They sounded to him like they were charges for things we get from XXXX, like XXXX storage. He okayed the purchases. Unfortunately my husband is XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We get paperless statements from TD, and I neglected to look at my account online until I got a notice that we were overdrawn. I knew there were plenty of funds in the account as we are just completing a renovation to make access easier for him, and I owe the contractor a final payment. When I looked at my bank statement I saw that there were pages and pages of unauthorized charges to XXXX. The total was over {$95000.00}. I immediately canceled his ATM card, and looked at his phone to see that the bank had sent three additional texts questioning three separate charges, but no more calls. When I began the process of disputing the charges. On one date there were 84 charges for {$50.00}. My monthly statement was 94 pages. I filed 17 disputes with TD, but all were denied. Apparently there were too many disputes because you can only have a certain number in any 120 day period. The bank can not give me a person to contact to file an appeal. The branch XXXX can not help me. I did receive a call from a man in the fraud division who said that he believed all my charges should be reversed, but to date they have only reversed {$360.00}. Every person from TD who has looked at this has said that they can not imagine how this could happen. Me either. My local police department has taken a complaint from me, and are trying to help, but there's little they can do.
Consumer complaint received 2021-08-21
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. (FL)

Experian continues to violate FCRA laws. 

I have requested multiple times to provide proof of two accounts in question ; XXXX and XXXX XXXX, and Experian only replies that these creditors confirmed the accounts. 

They never provide any proof, and continue to report negative information on my report without any proof. The creditors never provide proof either. Experian, XXXX and XXXX XXXX are all violating the FCRA. 

Unverifiable information must be removed or corrected, usually within 30 days. FCRA 623 ( b ) ( 1 ).

These companies also violate 15 U.S. Code 1681s2.
Consumer complaint received 2022-01-05
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING BANCORP (NY)

I paid 3 payment in XX/XX/XXXX totaling {$2400.00} which paid for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This bank reported to the credit agency ( XXXX, XXXX XXXX ) that I paid 1 payment of {$820.00} for XX/XX/XXXX I will be consultanting my attorney regarding how this bank reports inaccurate payment information on my credit reports. 

How to fix my 1st concern : I want SNB to contact the credit reporting agency the actually amount I paid in XX/XX/XXXX, which was {$2400.00}. NOT THE LIE OF {$820.00} which isn't the TRUTH! 

My second issue, this bank unapplied my XX/XX/XXXX payment and throw it into a suspense account. This bank never called me or sent me a letter. By them un-applying my XX/XX/XXXX payment it's currently showing that my XX/XX/XXXX is due, even though it sitting in the suspense account .Does this make any sense? No! So, know what am I suppose to do baby sit this bank and remind them tore-apply my money. I have better thinks to do. If they didn't want my XX/XX/XXXX payment, they should have cut me a check and returned it back. Instead of having my account show that my XXXX XXXX payment is due, when it is not. 

How to fix : I want my XX/XX/XXXX payment taken out of suspense account and re-applied back to my account or cut me a check and return the money. 

I will be consulting an attorney about this situation and you not reporting correct payment amount for the month your reporting to credit agency, applying and un-applying my funds without notification to me ; which allows payment to reflect as outstanding, when you have the money sitting in suspense account and ect.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Upgrade, Inc. (AL)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2021-10-16
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. (OR)

Information on Experian belongs to another person with similar name who lives in another state. 
Can not access Experian account to place credit freeze due to not knowing other person 's information and customer service not available on the weekend. 
Already placed credit freeze with XXXX and XXXX.
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (CA)

In late XXXX of 2020, I applied for a Lowes customer card. The application was approved and a confirmation was sent to my personal email. I have yet to use the card. 

In early XXXX, my brother contacted me because he had received two emails from Lowes/Synchrony Bank about the approval of my application. 

The issue is : Why would my brother receive this personal and sensitive information? 
He has a different name, leave in a different address and has a different email address. What if anyone one else got the same information? 

I tried contacting Lowes, and they referred me to Synchrony Bank, I called them on XX/XX/XXXX and they offered to talk to me about their privacy and data sharing policies. 

I tweeted a private message to Synchrony on XX/XX/XXXX, stating that I considered this to be a GLBA violation. They asked for my phone number, which I provided. 

They called me on XXXX and asked me to explain the issue and asked for my brothers email address, which I provided. 

They called me again on XXXX and stated that the email address on the credit card application was my brothers, which was not the case. I have never used my brothers email address, much less for a credit card application. Also, there is no way for them to email me to my personal email address a confirmation of the credit approval and also send two emails to my brother to a different email address if I only provided one email address. 

I only know that my information was shared with my brother because he brought it up to me, but what if the same information was also shared with more people. Or if this is not an isolated issue and something that is happening now.
Consumer complaint received 2021-10-16
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. (GA)

This account was deleted from my credit report on XX/XX/2021. Experian reinserted the account on my report without notifying me in writing 5 days prior to.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX, DOB XXXX SS XXXX XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.

XXXX XXXX XXXX # XXXX account is reporting 30 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2022-06-09
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. (MS)

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 # XXXXXXXX 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.