davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERE SOME ANOMALY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly XXXX XXXX inaccurate on my credit. 
This is hurting my credit score which is very important to me so I could prove my credit worthiness if I will apply some things. I know you will understand me in this situation because you are a customer too. Right? So I demand you to do an investigation on these accounts I listed here because this is very important to me. so please .... conduct this investigation and I hope that I could hear some good news after this. Thank you
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (OH)

I have beena member of NFCU for over 5 years now. Building a relationship with your bank must not be a thing anymore. I applied for the XXXX card which promotes ESTABLISHING CREDIT & RE-BUILDING CREDIT. I am in the rebuilding process. Here is my issue, I have build this relationship with NFCU & I fir the qualifications for the secured card and I get denied. On average people use between $ XXXX {$500.00} as their deposit for a secured card I used {$2000.00}. So riddle me this how does be using {$2000.00} of my own money pose any riskto NFCU? And if it did who looses in the end if I default? I do. Marketing these cards to rebuild credit is extremely asinine due to the perplexed and flummoxed advertising of the card. I usually would like a review of my application, but in this situation I am ok. NFCU will never see a dime of my money again.
Consumer complaint received 2022-08-20
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. (TX)

In accordance with the Fair Credit Reporting Act, the following reported accounts has violated my rights : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 ( a ), states I have the right to privacy.

15 U.S.C 1681 section 604 ( a ) ( 2 ), also states a consumer reporting agency can not furnish an account without my my written instructions.
Consumer complaint received 2023-01-11
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. (CO)

This complaint encumbers XXXX, Experian, and XXXX. 
Date : XXXX - XXXX I need clarification on why creditors are able to receive updated consumer reports on their current customers. As the credit bureaus are behind and updating data from the creditors, this can be harmful to consumers. 

For example - XXXX XXXX has been my creditor for XXXX XXXX. They are able to access my credit file at any time. If I have not been behind on my paying all creditors, XXXX will reduced my credit line line due to the inquiries on the credit report up to and including increases on interest rates. The inquiries caused a credit score decrease and decreased my available credit. 

When the credit line was decreased, the credit line is closer to being maxed out which also had a negative impact on my XXXX  credit reports. The credit line is over extended and continues to be a domino effect as the other creditors follow suit. 

The XXXX  scores are designed to keep everyday consumers down. The XXXX  scores determines what subprime lending box the consumer will be put in, not include favorable terms for consumers.
Consumer complaint received 2021-03-28
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: EQUIFAX, INC. (SC)

I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and i need to provide a good life to my parents and these fraudulent items will hurt me to provide as daughter. so please help me while I move forward with helping my family thanks.
Consumer complaint received 2022-07-11
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  Account Name XXXX  XXXX Account # XXXX, Account Name XXXX  XXXX XXXX Account # XXXX, Account Name XXXX  XXXX  XXXX Account XXXX XXXX, Account Name XXXX XXXX XXXX XXXX  Account XXXX XXXX, Account Name XXXX XXXX Account # XXXX XXXX Account Name XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Account Name. XXXX Account # XXXX, Account Name XXXX XXXX XXXX XXXX Account 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.
Consumer complaint received 2021-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

XXXX 2017 I was a victim of identity theft thru my driver 's license. XXXX XXXX was the only company not to dismiss the debt. The amount of {$1900.00} has been passed around numerous Debt Collectors that dismiss it themselves. I have had to take action for over 3 years and XXXX XXXX has never stopped. XXXX also didn't not give me any details under their dispute investigation.
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: Mountain Land Collections, Inc. (UT)

Mountain Land Collection XXXX & XXXX : This account is double reporting on my credit file. This is for the same debt.I was unaware I even owed this debt as I never received any notices for it. It is however a violation to double report the same debt on my credit file.
Consumer complaint received 2022-12-28
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: EQUIFAX, INC. (NC)

I asked the credit bureau to complete a thorough investigation of my report. They stated everything was accurate. After i completed my investigation, I verified there was multiple improper inaccuracies on my report. I have attached all account numbers and names to documents for review. 

In accordance with the fair credit reporting act my rights has been viloated. 

15 U.S.C 1681 section 602A 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 2020-07-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I found out that my identity information was stolen and was opened a fraudulent account by Bank of America. I submitted the POLICE REPORT from the XXXX Police Department and FTC Identity theft report to the credit reporting agencies and Bank of America. XXXX, XXXX, and XXXX have deleted this fraudulent account from my credit report but recently, I discovered that the credit bureaus reinserted this fraudulent account back to my credit report without sending me any notification. I am a victim of identity theft.
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 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
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 status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX is the company that is not reporting accurate information to the credit Bureaus and when I call the credit Bureaus and submmitted ah complaint or dispute they said they are reporting what the merchant is telling them to report. So, pretty much I have been almost two months back and forward between both parties without any results. My account is in good standing and open since XX/XX/2020 and right now is not showing that way in neither credit bureaus. Please help XXXX XXXX
Consumer complaint received 2022-06-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: C&I Financial, Inc. (CA)

During the pandemic I fell behind on my payment. I have been making payments almost every week of XXXX here XXXX there and C & I financial was taking the payments. I had about XXXX left to pay when they repaid my car today on XX/XX/XXXX. with no warnings no letters and no emails saying they were going to reposes the vehicle. I am very upset to find out I bought the car in 2019 and they are saying out of all the payments I made for XXXX $ a month that I have only paid XXXX towards the car! Where did all the rest of the money go? I am asking for a bill of particulars to breakdown where all my money went. The repo company they hired was XXXX XXXX XXXX which I am also putting in a complaint because they violated consumer policy rights under 15 use 1692. I want both companies to be held liable for their actions. This is considered theft and I know as a consumer anything that they had to run my social for is considered pre paid under the truth and lending act they are violating.
Consumer complaint received 2020-07-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC (CA)

On XX/XX/2020 at XXXX XXXX I sent a debt validation letter via certified mail to American Coradius International LLC ( collection on behalf of XXXX XXXX  ) at the XXXX XXXX, CA Post Office. Based on the USPS.com tracking, the letter was never delivered with the note, " Delivery Attempted - No Access to Delivery Location ''. The return receipt was imaged and sent to my email, but I never received the actual physical receipt. Documentation attached for verification. 

On XX/XX/2020 early evening, I sent a second debt validation via certified mail to American Coradius International LLC ( collection on behalf of XXXX XXXX ) using the USPS kiosk in XXXX XXXX, CA. Based on the USPS.com tracking, the letter is " Held at Post Office, At Customer Request ''. I completed a complaint form with the USPS.com a representative left me a voicemail stating that per the customer, they are not accepted mail at their location and that a representative comes once or twice a week. As of today, it still shows " Held at Post Office, At Customer Request '' on USPS.com tracking. Documentation attached for verification. 

I am seeking debt validation.
Consumer complaint received 2020-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have been trying to resolve a i.d theft issue with all 3 bureaus over the past few months! They have been no help and i feel that putting them under this microscope of government surveillance will force them to abide by the laws. Transunion, XXXX, and XXXX have been willfully disobeying Credit Laws. In XXXX, my purse was taken outside of my car, i left my car door open unfortunately with my purse inside while i ran into my job to get some tools. I came back and purse was gone, it contained my i.d, social card, insurance card, and etc. I was not to concerned at that time as i ordered new cards and such but the fact that down the line it's been fraudulent activity in my name because of it, has me unsettled and lost in a credit mess. So i was told by staffmembers at all 3 credit agencies i needed to get a i.d theft affidavit or police report to validate the i.d theft occurrence in which i did. Sent that along the necessary items they asked of me to complete the package, still the credit agencies have not blocked all the fraud accounts listed on my FTC report and listed on the attached sheet ... FCRA 605 ( BLOCK ). provided in this section on, a consumer reporting agency must block the reporting of any information on in the le of a consumer that the consumer identies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY OF This credit I.D theft law is what they have been willfully denying as to what is required of them for the steps of processing the investigation. These fraud accounts should not have remained on my account. I also have sent the same documents to all 3 creditors involved in the opening of accounts in question : XXXX XXXX, XXXX XXXX, and XXXX XXXX, whom in which have all responded fairly quickly with their own investigated results, in conclusion that these accounts in their database were undoubtedly fraud or inaccurate in relation to my identity. Each creditor has mailed me through dispute correspondence ( see attachments ) i then sent the Letters directly to each credit bureau who have still, not done a thing to my credit report. They've sent me credit reports saying the accounts have been verified? HOW! WHERE! These credit agencies did not send me the entire necessary proof of " VERIFICATION '' OR " VALIDATION '' under 809 ( a ) ( b ) in regards to these accounts. Especially since the creditors each have reached out to me ruling in my favor agreeing the accounts are fraud! THIS IS MADNESS! I NEED HELP, I AM DEALING WITH XXXX PRODUCERS PERFORMING UNFAIR BUSINESS PRACTICES TO CONSUMERS LIKE MYSELF.
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating this disputes under MY NAME. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. This is mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2015 Balance : {$1000.00}.
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 status incorrect
Company: Army and Air Force Exchange Service (UT)

Military Star is reporting 30 day late 's on my account. My payments were automatically deducted from my paycheck. When i looked into it I noticed i was only being deducted once every 3 months, upon this discovery i paid this account in full. I was unaware of these late notations until i pulled my credit. I am unsure why they were only deducting once every 3 months.
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/2020, my card information was accessed without my knowledge. They made a withdrawal for {$800.00} dollars at XXXX XXXX and a {$1000.00} purchase at XXXX. Monday XX/XX/2020, I log into my mobile banking app to find out about these transactions. I immediately contact my bank and file a claim for these transactions. Since then, the {$800.00} transaction from XXXX XXXX has been credited back to my account but under review the {$1000.00} purchase is not considered fraudulent to them. I am asking for help considering the fact that I did not make any of those transactions myself. I am writing a letter to my bank for them to reconsider my claim and look into it once more. That bank is, Bank of America and my claim ID # is, XXXX. Thank you and I would really appreciate if anyone could help me out with this matter.
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. (NJ)

For account XXXX/XXXX XXXX that is reporting on my credit report I have sent multiple letters to Transunion  , XXXX  , and XXXX  to investigate the inaccurate reporting and they send me letters back stating that the account is reporting 100 % accurately and that it has been verified ... .how is this even possible when there are still multiple violations on the reporting of this account. for one they never even added a comment stating that this account is under dispute, as stated by the law ... .... 2nd look at the 2 year payment history all 3 bureaus are all over the place in the reporting and different. they are all reporting a different date of last active and date of last payment. the credit limits are reported different, the high credit are different, the comments are all different. How can they even pretend that they investigated this account when all of these violations are are still reporting they never investigated this account is the answer
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2020, I sent an Annual Credit Report Request Form to get a report from Experian. I received a card in the mail saying that not enough information was sent. On XX/XX/2020, I sent another Annual Credit Report Request Form and included copies of my New York State Driver License, Credit Union Statement of Account, page 1 of personal umbrella policy, page 1 of electric bill, page 1 of Health Care Monthly Prescription Drug Summary, page 1 of automobile policy bill, page 1 of homeowners policy, page 1 of bank account statement, correspondence from XXXX regarding automobile loan, New York State insurance identification card for automobile, and page 1 of personal automobile policy. All documents showed either my street address, or Post Office Box, or both. All showed my name. And yet, I received another card in the mail stating that not enough documentation was provided in order for my request to be processed.