davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have disputed this account multiply times and never gets fixed. I have called and talk to bank of America at XXXX and they told me it would be fixed. I talked to XXXX I got a case number from them to make sure I had something to fall back on and that case number is # XXXX she said It would take 45 days to fix. I was on the phone with them for 52 minutes. I have never received and information from them. I filed bankruptcy chapter XXXX in XXXX of XXXX with a discharge. The account number is XXXX. The account still says it is open-Derogatory? They last reported on XX/XX/XXXX on my credit. I don't know what else to do? XXXX cell XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX, thank you
Consumer complaint received 2019-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (MN)

XXXX XXXX XXXX keeps calling and leaving a message at my mothers number stating she owes money. It is a recorded call and never uses a name of who owes the money. My mother has a clean credit record and does not owe anything. They call daily. I will not allow her to call back. The number they give is XXXX.
Consumer complaint received 2019-02-24
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. (SC)

Starting on XX/XX/XXXX I started the process of Disputing debt through XXXX XXXX who was reporting 10 accounts to my credit reports, all the same, account number but different amounts totaling {$41000.00}. I first sent a letter XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX and again on XX/XX/XXXX to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the Metro 2 compliance  requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XX/XX/XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

I provided copies of my 8 different letters addressing each line item on my credit bureaus and copies of the signature required service proof of delivery receipts via XXXX along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
Consumer complaint received 2019-02-11
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. (FL)

Dear Sir/Madam : Starting XX/XX/ 2018, I have wrote several letter of dispute I have been ignored and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : 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 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 Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately! 




If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : any actual damages I sustain by you failure to delete the item ; punitive damages as the court may allow ; and costs of the court action, plus attorneys fees. 

I have forwarded a copy of this letter to the Federal Trade Commission.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2019-02-24
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. (AZ)

I sent a demand for method of investigation letter to Experian and the response is due back XX/XX/28. They are already " Updating my report with their findings. They have not changed anything and they sure are not sending me the documentation used to verify this like I asked for according to law. I have disputed these items over and over again over the years. They do nothing but send a form response and update nothing. They are refusing to send me the method of investigation like I asked.
Consumer complaint received 2019-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Best Service Co.,Inc (IA)

In XX/XX/XXXX I pulled all 3 credit reports. I noticed The Best Service Company account on my reports. In XX/XX/XXXX, I disputed alleged account with all 3 credit bureaus. It came back as verified. On XX/XX/XXXX I received correspondence from The Best Service Company. ( Letter enclosed ) Prior to this letter I did not receive a dunning letter. I was also not notified within 30 days of placing negative information into my credit file. I sent a certified letter on XX/XX/XXXX asking for validation of alleged account.
Consumer complaint received 2019-02-24
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. (SC)

Over the past year Ive tried with the credit reporting agency Experian to clear up misreporting to include sending my identification, copy of social security card, copy of name and social security verification letter from the social security administration to no avail, because its not about accuracy with this credit reporting company its about who they can keep charging for reporting. 

Two its on my credit report have been disputed as inaccurate information, a bankruptcy and a charge off of a vehicle loan that was previously removed under XXXX XXXX XXXX XXXX and reinserted under the name of XXXX. 

The bankruptcy listed on my credit report defines credit fraud, while I provided a letter from agency that Experian uses to verify public record information which stated I dont have any bankruptcies, Experian continues to report and say they verified the information which isnt true at all, particularly because the person using this information has a social security reported as XXXX, which isnt mine which is XXXX. So verification by last XXXX isnt sufficient. 

The record of XXXX shows another name not mine that has been verified as true by the CRA, but inaccurate in its actual info doesnt verify to me as reporting. 

The reporting of a XXXX  XXXX credit card, while the reported action is inaccurate but it violates the customer privacy act reporting act by giving this provided info
Consumer complaint received 2019-02-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/ 2019, XXXX, agent of XXXX XXXX, XXXX, contacted my tenant via telephone and discussed a debt I allegedly owe American Express, sharing non-public person information about this matter with the third party, including balance they assert I owe. I have since communicated with XXXX XXXX to discuss the matter and requested that they cease calling about this matter and rectify the breach of privacy. 

I filed a separate complaint earlier today against XXXX XXXX, but subsequently learned that the company that actually made the calls and breached my right of privacy is XXXX XXXX. As such, the complaint against XXXX may be withdrawn.
Consumer complaint received 2019-02-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (TN)

My loan with Wells Fargo Dealer Services was paid in full in XX/XX/2016 ; however the company still has an active lien on my title. After nearly 3 years of having the loan paid in full, this should not be the case. After trying to contact the company through their customer care department and social media, my attempts to have this corrected have been unsuccessful. I need this issue to be rectified ASAP so that I may gain access to the title for my vehicle.
Consumer complaint received 2019-02-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Gatestone & Co. International Inc. (GA)

On XX/XX/2019, XXXX, agent of Gatestone Company, International, contacted my tenant via telephone and discussed a debt I allegedly owe XXXX XXXX, sharing non-public person information about this matter with the third party, including balance they assert I owe. I have since communicated with Gatestone Company to discuss the matter and requested that they cease calling about this matter and rectify the breach of privacy. 

I filed a separate complaint earlier today against XXXX XXXX, but subsequently learned that the company that actually made the calls and breached my right of privacy is Gatestone Company. As such, the complaint against XXXX  may be withdrawn.
Consumer complaint received 2019-02-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

My MUD tax payment from my escrow account paid twice on XX/XX/2019 and XX/XX/2019. 

I have called the company several times, remind them to fix the error. They never actually fix it, and reimbursed the funds back to me.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified this items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NC)

On XX/XX/XXXX I received a text message regarding a refund. I immediately called customer services to inquire if this was a legitimate text. It should be noted no information regarding this refund was available for me to review in my on-line profile. Also, I have long maintained that I do not want to receive any items via the mail as I don't believe I my mail is correctly delivered. This has been my known preference on this account for several years. After several back and forth transfers between the security team and the customer service team, I was told this was a legitimate text and I should receive a letter along with a check in the next 4-6 weeks. The customer service rep was unable to provide me any information on the amount of the check or any details regarding the time table. I then looked up the information through the media and discovered the refund was in regards to Reg Z violations. I waited the appointed time and still received nothing in the mail. In early XX/XX/XXXX, I again called the service team who told me they put in a request in to have the check reissued and I should wait an addition 15 days. I called back in late XXXX and was told they could direct deposit the funds into my account. They finally informed me the amount of the refund at this point. They explained I should wait 3-5 business days. On the fifth business day, I received a letter in the mail that stated " Please be informed that we are unable to assist you with an Annual Percentage Rate ( APR ) refund check. '' It should be noted that the letter did not contain the appropriate tracking number needed by XXXX, their third party provider. I again called customer service and this time I was given a number for XXXX. XXXX informed me a letter and check was issued back in XX/XX/XXXX. They could place a stop payment on the original check and I would have to wait an additional 40 days to issue the check. I feel as though Citi purposefully engaged in unfair, deceptive and abusive behavior in regards to this settlement in hopes I would be discouraged. I believe my situation is not unusual and more than likely evidence of a pattern of behavior that was intended to discourage consumers from rightful obtaining their refunds.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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 2019-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have received notification of an adverse credit reporting from XXXX XXXX. In XX/XX/XXXX, I contacted TransUnion and learned that I had a student loan through XXXX XXXX in the arears of 120 days. I contacted to XXXX XXXX to find out what I thought was a cosign on a loan was actually a loan in my name. I immediately contacted XXXX XXXX and learned that they had the incorrect email for contact. I was told by their customer service representative at that time that XXXX XXXX does not mail anything out, that all contact is made through email. I immediately remedied the past due amount. I filed a dispute with XXXX XXXX because I had never been contacted. I also filed disputes with XXXX, TransUnion and XXXX because of the impact this had on my credit rating which had always been outstanding. I feel the adverse reporting on my credit report was unfair since I had never been contacted. None of the credit reporting companies reversed the adverse reporting. I made a two timely monthly payments, then on XX/XX/XXXX, I paid the loan in full. I contacted XXXX XXXX again on XX/XX/XXXX to request the adverse credit reporting be removed from my credit report. I was told that XXXX XXXX sent 2 letters, and made 2 phone calls to advise me of my late payment status. I never received either of the letters or the phone calls. I have always had an outstanding credit rating. XXXX XXXX is unwilling to change their credit reporting because their records show that letters were sent and phone calls made. Neither of which were ever received by me. I have always had outstanding credit. I pay all of my bills timely. I immediately upon learning of the past due loan, remedied the past due amount, kept current and paid the loan off in it's entirety. XXXX XXXX is unwilling to reverse the adverse credit action because according to their records, they did attempt to notify me. TransUnion, XXXX and XXXX will not reverse the adverse credit reporting because XXXX XXXX claims it is valid reporting. I feel this is very unjust. I was never contacted by XXXX XXXX. It was I who made contact with XXXX XXXX and made remedy. I want my credit rating restored.
Consumer complaint received 2019-02-11
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. (NY)

I have a situation where XXXX XXXX is reporting on my credit for a transaction that was cancelled. This transaction is now reporting on my credit and hurting me both financially and personally. I have been writing home depot for years now and they continue to report this account while in dispute and their intent is to hurt and damage my credit reputation. 
At this point I am in correspondence with an FCRA to look at how the bureaus handled this investigation and he will investigate home depot 's process into this issue. This is an account that was charged interest and fees for a cancelled transaction. This is a disputed inaccurate account that is on my credit and needs to be removed. This is an violation of several laws including section 1681 ( i ) ( a ). There needs to be a reasonable investigation into this dispute matter AND its the bureaus responsibility to go beyond the original source. 
Please see attached information.
Consumer complaint received 2020-04-17
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-17
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. (NY)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-04-17
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: Army and Air Force Exchange Service (CA)

Hi thank you again for taking the time for reading my complaint. 

XXXX is taking longer than 30 days for debt validation. 

I have requested from MILITARY STAR to provide proper debt validation and they are unable to. They do not have a copy of a contract. 

I have also asked XXXX  to investigate this matter and it has been longer than 60 days.
Consumer complaint received 2024-10-29
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 NOTICED AND INQUIRY ON MY CREDIT REPORT I WOULD LIKE TO GET REMOVED. 
ACCORDING THE THE FCRA THIS INQUIRY IS NOT VERIFIED AND UNATHORIZED AND NOT FOR PERMISSIABLE PURPOSES AND MUST BE REMOVED. 


XXXX XXXX ( XXXX  ) XX/XX/year>