davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

I recently applied for credit with 2 credit card companies. A copy of the driver 's license was sent to both companies approximately 6 times. I received feedback that they could verify my identity which I thought was strange. After speaking with a representative from one of the companies I was told that it is the credit reporting agencies that are reporting this information. It appears that they have incorrect information on file about me.

I

t is all three agencies that are reporting this false information. I am not sure why because I got a letter from one of the
companies at my home address indicating that they could not verify my identity, but they sent the letter to my home. These agencies, credit agencies, are reporting false information that is creating hardship for me. 

I want all three agencies, to correct this information and send letters to the credit card companies acknowledging their mistake. 
Sincerely XXXX XXXX
Consumer complaint received 2023-03-28
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. (CA)

Hello, XXXX and Experian provided a generic response to my complaint and it was not accurate. I have sent the letters in to both credit bureaus. The letters are attached. I have authorized this compliant. I am not a third party submitting this complaint. My ID and utility bill are attached. I need this account removed and my personal information updated. I have sent in several letters every month by mail. I have called and was informed to submit this information and I did such. 
XXXX XXXX XXXX XXXX Balance {$10000.00}
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NY)

Ive used my American Express serve card for years and still use for direct deposit. Their dispute department is terrible when it comes to ATM errors on withdrawals and wont refund your money. I had XXXX $ taken from my card On XX/XX/XXXX from the XX/XX/XXXX atm on XXXX grand concourse in the XXXX. I had XXXX $ taken from my card on XX/XX/XXXX from XXXX XXXX in XXXX on XXXX XXXX XXXX as well. I tried to withdraw XXXX $ from the ATM to only receive XXXX $ and a ATM error displayed on the screen. I checked my serve account to find it took out the XXXX $ from my account but I only got XXXX XXXX I disputed the transaction with picture evidence of the XXXX $ in hand and the ATM showing the error on its screen. XXXX agreed to give me XXXX $ in provisional credit while they investigate. Days later they email me saying no funds are due and they are reversing my provisional credit. WHAT!? Instead of agreeing with my dispute and leaving my XXXX $ I worked for, XXXX rejected my dispute and took the XXXX $ provisional credit back leaving my account negative. Proceeding to reject my disputes with picture evidence of an ATM error and telling me the merchant provided documentation the XXXX $ was dispensed. Which is hilarious because I was the only XXXX in the place who witnessed an ATM shoot out XXXX $ on a XXXX $ withdrawal, display an ATM error on screen. I took a picture for this VERY REASON. Im pretty sure the ATM was low on funds and only had XXXX $ left. No matter how much I call or dispute, serve refuses to put my money back. My evidence doesnt matter. I tried to take out XXXX $ at XX/XX/XXXX to have it shoot out nothing and say ATM error. I didnt take a picture that time so I accepted serve rejecting my dispute. I cant accept this time. Dispute department is just going off the merchants word.
Consumer complaint received 2023-03-28
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. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-10-09
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Loan Science, LLC (MD)

Student Connections has sent me a third email on XX/XX/2020 with incorrect information about XXXX XXXX, despite requesting that they cease communication with me via my request for fair resolution via prior CFPB complaints. Once again, their email appears to list the correspondence address for XXXX XXXX and not XXXX XXXX. My loan is with the Department of Education, is in good standing, and is serviced by XXXX XXXX. I do not do any business with Student Connections to the best of my knowledge and they are not responsible for my loans. I complained about them previously sending incorrect information in CFPB complaints XXXX and XXXX, yet despite me bringing this to their attention via these complaints, no corrective action has been taken. They continue to mislead the individuals they send these emails to.
Consumer complaint received 2023-03-28
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. (CA)

I had a credit card with XXXX bank. 
It was charged off in XXXX with a balance of {$2000.00}. 
I reached a settlement with them for {$910.00} which is supposed to be paid by XX/XX/XXXX. 
I sent a check for {$910.00} which they received by XX/XX/XXXX and it was posted to account on XX/XX/XXXX. 
According to the agreement, " As of the date of this letter, your account balance is {$2000.00}. Once receipt of the agreed settlement amount of {$910.00} by XX/XX/XXXX ( plus an additional 15-day waiting period to validate funds ) is confirmed we will consider your account balance settled- for an amount less than the full balance - and will send an update to the credit reporting agencies '', they didnot update my credit reports accurately. 
On XXXX, they updated my credit reports saying I made the payment of {$910.00} and remaining {$1100.00} as still balance on the account instead of reporting settlement and making the balance XXXX according to settlement agreement. 
This inaccurate reporting is affecting my account status utilization ratio and thus affecting my credit score adversely. 
I reached out to Office of the presidents, XXXX for resolution but there is no resolution after two weeks of initiating a complaint with them. 
If they don't respond to this complaint and update my credit reports accurately by reporting a settlement when it was completed back in XXXX, I will bring a lawsuit against XXXX.
Consumer complaint received 2022-11-19
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)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am filing a complaint against Transunion.com. I called them and explained that the information that they are reporting is incorrect. They have my oldest lines of credit as only being 8 years which is incorrect. I have had a mortgage for 20 years credit cards for over 20years and car loans for, utilities, etc. for over 20 years I am in my 50 '' s. Thie adverse reporting has caused my score to decrease by XXXX points and thus I can't get financing for my car loan. There were inquires on my report I asked them to remove and they haven't. TransUnion is purposely not reporting all of my lines of credit and credit information. They discriminate against XXXX people that are in thier 50 's. I find it interesting after I called them they purposely lowered my score by 7 points.
Consumer complaint received 2022-03-30
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. (CA)

In accordance with the Fair Credit Reporting Act Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-20
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

The 48-month lease account was paid in full as of XXXX, XXXX, the lease was completed as scheduled and returned as required. As of the date XX/XX/XXXX, there was a certified letter for No Response to a 1099 Request to XXXX XXXX to validate the charge-off reported on my consumer credit report. " You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation Not only have you ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following : Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. ''
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (MI)

I discovered that the same accounts on my credit report were incorrect when I reviewed my updated report in XXXX. The 3 credit bureaus require to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame. My credit report includes the following erroneous accounts that need to be investigated and updated : XXXX  XXXX XXXX Balance : {$91.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$470.00}, XXXX XXXX  XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX  XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2022-09-22
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

On XX/XX/2022 Santander Bank in XXXX, NJ closed 2 of my business accounts and my personal account without giving any reason. When inquiring about the issue they just said that they are not required to give a reason for this. 
Coincidentally 1 month prior I had been complaining about some charges that the bank took out of my account monthly for 2 years. They reimbursed some of that money and then 1 month later I happen to get the notice. I have been doing business with this bank for almost 15 yrs without any issue. 
Also my XXXX  account that I do business with stopped working at the same time.
Consumer complaint received 2023-03-28
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. (CA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$80.00} ; XXXX XXXX Inquired on XX/XX/2022.
Consumer complaint received 2023-03-28
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. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-07-28
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. (TX)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-09-10
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. (CA)

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX a lot of inaccuracies of dates of open accounts, dates active, unable to verify account. this is fraudulent account I presume that no proof of the alleged debt nor therefore any such debt in fact exists. Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2021-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

I closed on a {$300000.00} mortgage at 3.25 % for 15 years on XX/XX/2021. I selected a bi-monthly ACH payment schedule XXXX  everything went fine until I received a " Friendly Reminder '' on XX/XX/2021 stating that I was past due in the amount of {$4200.00} XXXX  threatening XXXX  report me to the credit bureaus. I am not past due XXXX  I have no idea where that figure came from. I sent an inquiry XXXX  Caliber on XX/XX/XXXX XXXX  was promised a reply in 2 business days. I have gotten no response from them, despite sending an additional 3 messages XXXX  them. I can not cancel the ACH through Caliber 's website, so I am trying XXXX  cancel it through my bank, XXXX. I filed a complaint with the XXXX XXXX XXXX but have not yet received a response from them.
Consumer complaint received 2021-12-08
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. (TN)

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 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

My XXXX XXXX credit card XXXX XXXXXXXX XXXX was deleted from my report XX/XX/2022 ending XXXX without my authorization, my bank has submitted countless forms and sent emails regarding my account because it is still reproting but not showing on my report.
Consumer complaint received 2022-11-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Healthcare Receivables Group, Inc. (KS)

My identity was stolen. I tried to dispute the account. They then made new accounts with the same account numbers and claimed they sent it to an attorney to sue me for dept that WAS NEVER EVEN MINE. I am very angry about the situation and it never seems to get resolved. It needs to be taken off my credit