davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-28
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: Experian Information Solutions Inc. (MS)

Filed a dispute with Experian XX/XX/XXXX regarding creditor XXXX XXXX XXXX XXXX , XXXX falsely, fraudulently, and inaccurately reporting 2 accounts included in Chapter XXXX Bankruptcy filed XX/XX/XXXX. Received Experian dispute results XX/XX/XXXX, and the problem has not been resolved Creditior ( data furnisher ) continues falsely, and fraudulently reporting inaccurate account information, altering its address on my Experian credit file ; in addition since dispute XX/XX/XXXX has added Fraudulent 24 month Payment History to my account XX/XX/XXXX and Date Reported XX/XX/XXXX which is false, fraudulent, and inaccurate account was included in Chapter XXXX Bankruptcy filed XX/XX/XXXX. Sent additional dispute communication letter to Experian XX/XX/XXXX via certified mail. Sent an Additional Dispute communication letter ( Final Notice ) XX/XX/XXXX via certified mail. Pulled my Experian credit report ( Annual Credit Report.com ) XX/XX/XXXX and issues still have not been resolved, and have not been corrected. Sent a Final Notice to creditor XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX, IL XXXX as verified on my XXXX credit file ; in which creditor left dispute communication letter unclaimed ( deemed as notified ) will be identified further through CFPB Complaint ( Experian ). Consumer has requested that Experian remove all False, Fraudulent, and Inaccurate information from consumers credit file regarding both accounts with creditor XXXX XXXX XXXX  XXXX. Full and complete disputed items, and details can be found with all supporting documents which will be uploaded.
Consumer complaint received 2023-03-14
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. (GA)

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. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or list of inquiries 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.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX tried to login to my TransUnion account and couldn't after 2 attemps-I tried to reset the forgot password attempt which I got locked out of and account suspended email was sent with the instructions to call Customer Service which I did. The 1st call took 40 '' to get help from customer service to unlock and reset my Transunion account with THEIR password. An hour later I tried to login TransUnion again USING the password and I tried to CHANGE the password that Transition gave me to a password of MY OWN and was locked out AGAIN with the site saying that Transition couldn't change my password at that particular time. I went to the online chat to see if I could login to complete my password change and 45 '' later AGAIN I still couldn't get in under the direction of someone named XXXX ( Transition Chat help desk ) about XXXX XXXX. I got about 5-6 email password re-sets to no avail and with NO results.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IN)

I paid my account in full in XX/XX/XXXX. XXXX XXXX XXXX XXXXXXXX reported it as late to my XXXX credit report in XX/XX/XXXX. When I called to find out why, they said I owed {$36.00} in late fees. When I tried to explain it was paid in full in XX/XX/XXXX, they cut me off and spoke over me - forcing me to pay {$10.00}. They claimed the account would be cleared of fees and closed. 

The following month, XX/XX/XXXX, they tried to charge an additional {$35.00} in more fees and are now harassing me by phone, 7 - 10x a day. They keep saying if I don't pay the added fees they will continue to report to my credit report. 

In XX/XX/XXXX, they are continuing their harassment and extortion, and trying to now charge me {$100.00} on a paid off, closed account. 

They refuse to acknowledge via XXXX dispute that the account was paid in full in XX/XX/XXXX and continue reporting it as late to my credit report. They also continue trying to charge fees after its been closed. This is extortion as the account has been paid and closed. 

Please make them stop harassing me, extorting me, and charging me fees. I refuse to pay unending fees on a paid off, closed account.
Consumer complaint received 2023-03-14
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. (MA)

Remove all inaccurate, erroneous, unverifiable information. I will be as clear as possible so there is no further misunderstanding. The corrections should be as follows : XXXX XXXX XXXX ( and all variations of this account ) - Never did business with this company ; reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX XXXXXXXX ( and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX  XXXX ( and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Never did business with this company ; reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX  XXXX and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Never did business with this company ; balance is lower than high balance ; delete immediately XXXX XXXX XXXX XXXXXXXX XXXX ( and all variations of this account ) - last payment made states XX/XX/2013 ; it is almost 10 years later ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Reporting charge off with a balance ; delete immediately
Consumer complaint received 2019-12-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (NV)

My name is XXXX XXXX, I called my debit card company immediately after getting an alert on XXXX or account balance is low. I did NOT Authorize {$510.00} to be transfered from my account. I called immediately filled out paperwork emailed and mailed copys within the timeframe. I want my Money put back on my card Its not right Im not responsible for this happening. I work very hard for my income and I want this fixed. Im very upset everytime I called they say you have to write for response. I did write to the address they gave me for dispute responses and still nothing. I am being taken advantage of and want this corrected Now.
Consumer complaint received 2023-03-14
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: CITIZENS FINANCIAL GROUP, INC. (PA)

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer can not furnish an account without my written instructions 15 USC 166 B : Creditor may not treat a payment on a credit card with open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-14
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. (OK)

XXXX XXXX XXXX  shows that I owe them money and is reporting that alleged debt on my credit report. I did not authorize the charges on the account, and have no knowledge of them. Although I have requested verification from the credit bureaus and XXXX XXXX XXXX, they have failed to investigate and have failed to provide me with any documentation.
Consumer complaint received 2023-03-14
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. (OK)

XXXX XXXX XXXX  shows that I owe them money and is reporting that alleged debt on my credit report. I did not authorize the charges on the account, and have no knowledge of them. Although I have requested verification from the credit bureaus and XXXX XXXX XXXX, they have failed to investigate and have failed to provide me with any documentation.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bridgecrest Acceptance Corporation (AR)

Have been dealing with company for years. Instead of deleting due to their mess up they keep changing one or two things and dragging along. Account appears as if I still have an active loan causing problems with account but has repossession when they was paid complete with insurance etc. a phone call reveals how they didnt even allow me access to the sale. Balance is incorrect, reporting is incorrect etc
Consumer complaint received 2023-03-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/23 I sent out a letter stating I was in total disagreement with this company 's investigation response. Nordstrom/TD account # XXXX the alleged account is listed as a collection with A PAST DUE BALANCE OF {$1300.00} This is a violation of requisite XXXX XXXX  Compliant Reporting standards. Please remove this inaccurate information from my credit report as it is affecting me negatively.In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, I demand that they provide actual proof the information was verified not computer generated confirmation.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (NY)

The credit card in question is an Apple Credit Card that I keep getting late payments which have decreased my credit score. I have never had an Apple credit card or opened an Apple account. I have spoken with Goldman Sachs who underwrites the Apple card and have informed them of this issue, they stated a manager would review this matter and contact me.
Consumer complaint received 2023-03-14
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. (MO)

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. 

The following has has violated my rights : Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXXXXXX XXXX  Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX 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 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.
Consumer complaint received 2019-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (AZ)

I did recieve notice that my loan had been sold nor that servicers had been changed until months after my servicer had changed. After learning of the change I was 3 months behind on my mortgage which I was told if i set up automatic payments to be withdrawn by the servicer each month the late missed payments would be deferred and i would be made current on my loan payments. I set up automatic payment withdrawl but was notified in XXXX that no payments had been withdrawn and my mortgage was now 9 months behind and my home was being set for forclosure sale and would be auctioned on XX/XX/2020. The servicer, Fay Servicing told me to send in an application for Loan Assistance Modification. The servicer spoke with me on the phone and told me they would email me the information needed for the loan assistance application. I recieved an email that stated that the loan application was attached and to return it. The application Fay Servicing had provided was completed and returned. After multiple attempts to contact my loan speacialist and after waiting 10 days I contacted Fay Servicing and spoke to a customer service representative who verified my application had been recieved and was in his words " complete except for the insurance declaration ''. It was during this call that i was told I was supposed to include a declaration of homeowners insurance with my application. I sent this in that day but recieved a letter from Fay Servicing days later stating my application for loan assistance had been denied due to an incomplete application. I explained that i had not been told in my email from my loan servicer that the dexlaration was needed with my application and that the the lender had obtained insurance on my home. I was told there was nothing they could do now brcause the 37 day prior to foreclosure date had past so a new application would not be accepted despite them providing incomplete information. I spoke to my loan servicer specialist who sent me the email lacking the complete application requirements and she said there was nothing she could do and my only option was to pay the costume mortgage payments an additional fees prior to foreclosure date. I then received another letter stating that Fay servicing have canceled the lender obtained insurance the day after recieving my insurance declaration. Now my home is going to be auctioned and i was not offered any services to avoid foreclosure because what i was offered was not offered correctly and this has resukted in my home possibly being lost due to this new servicer. Prior to the switching of loan servicers i was up to date on my payments and had no issues with my loan. Now im going to lose my home due to the new servicers errors.
Consumer complaint received 2023-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION (GA)

I filed for a XXXX  XXXX Bankruptcy back in XXXX and included a Navy Federal credit card with a XXXX balance. The credit card was included and discharged in the XXXX XXXX bankruptcy. Since the bankruptcy, Navy Federal has continued to try and collect the credit card balance and continues to put the balance on my credit reports, as an owing debt in order to harass, and lower my credit score. This harassment has been ongoing since XXXX and I was finally informed to contact this agency for assistance. This debt is also over seven ( 7 ) years old ( no payment over 10 years ), and they continue to put it on all three ( 3 ) credit reports to abuse, harass, and destroy my credit. Please assist.
Consumer complaint received 2023-03-14
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. (VA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2019-12-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (IL)

I was told several times that if I paid the debt that they would remove it from my credit report. I called the original creditors and they explain that it would be on my report for 5-7 years. I asked the collection agency to put it in writing and they refused. If they were going to remove it as they say then hey would put it in writing so they are lying to people to collect on these debts. Im not even sure if I owe it. I asked for a breakdown and the girl just wanted to argue. I want it in writing that they will remove the debt once paid.
Consumer complaint received 2019-12-27
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: Experian Information Solutions Inc. (PA)

I am writing you today as an aggrieved man. My identity was stolen along with my other pertinent information. I never authorized and or agreed for any of these companies to do an inquiry against my credit. 
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
Consumer complaint received 2019-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

I have never done business with Square. I did not order anything from Square. I did not authorize Square to debit my account in anyway. However, on XX/XX/2019, they debited my bank account {$100.00}, which caused an overdraft and a {$40.00} fee. They were never given permission by me to debit my account. When I called them, they refused to look into it and have forced my hand into contacting enforcement agencies. I'm not sure if you can help, but hopefully you can at least point me in the right direction.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2019-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (MN)

My mother was admitted to XXXX XXXX XXXX XXXX  on or around XX/XX/19 my aunt XXXX XXXX XXXX was present during admitting ( they were supposed to be deducting the monies for the stay from my mothers account ) The bank account was magically closed after her death so we have no proof if this debt was paid. The company is currently going after my aunt stating she is the responsible party ( she DID NOT sign up for this ). I have contacted the company several times telling them I am her son and beneficiary ( they don't respond or answer the phone ) yet continue to harass my aunt. I don't believe this debt is owed. I think this XXXX XXXX is a scam and frankly it should be shut down.
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Today upon checking my credit report on XXXX XXXX my score decreased significantly because XXXX  reported that my XXXX  MasterCard increased by {$4000.00} this is completely incorrect my balance did not increase by that amount.